davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo bank in XXXX tx .. date XX/XX/19 time XXXX : XXXX transaction # XXXX teller : : XXXX accepted a money order for XXXX $ $ from XXXX. food store that is 50 yards away.. the teller said that by 48hours for sure. The money would be available for spending by the account holder.. that never happened..then on XX/XX/19 .. the money order was cashed ... XXXX   XXXX  money order department.. vertify this in a phone conversation..they claim the money was being held for vertification ... .up to this day they have not done their job duty function of care to a client.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (CA)

I have ordered an item on line with my paypal account ( credit card ), purchase under paypal protection, the seller never response to my email and my items never have been received. After one month trying to contact the seller my self and no results. I escalated the case to paypal on XX/XX/2020, was given tracking that case will be resolved on XX/XX/2020, I will be refunded. But on XX/XX/2020, checked paypal on line, the resolving date was pushed back to XX/XX/2020, called paypal customer services, spoke to 3 agents, the last agent was XXXX, no one were willing to solve the problem, spoke to the supervisor, XXXX, still unable to solve the problem. the date of case resolving just been keep pushing to the future dates. my refund has never been issued. 

Per paypal policy, this is under paypal protection, when customer filed a case and you give a day to resolve the case, you need to follow your promise. if you keep changing the case resolution day out to future, that mean you just play and game and never want to solve the problem. I have been a paypal customer for the last 10 years, never file any case, no dispute, this is the only one time, but was treat very unfairly. 
I need paypal to follow their promise and refund my payment now XXXX as promised on XX/XX/2020 )
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These accounts was charged off on ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history.a charge off account should include an active payment history. Inaccurate information falsely manipulate the statute of limitations. Credit bureau failed to investigate these accounts properly and there neglect has violated more than one rights listed below. 
15 us code 1601,15usc1681e ( b ), FCRA section 605 ( c ) ,15usc1681i,
Consumer complaint received 2023-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have made a transfer that was incorrectly flagged by OFAC and taken out from my account by Bank of America. The only communication I received from the bank is that my money are taken out and phone number to contact OFAC.

I followed OFACs instructions precisely and applied for license to release funds, 8 months later I received a response that no funds are blocked in my name.

I contacted Bank of America for at least 5 times, and spend more than 6 hours on the phone, however the only suggestion they offered is to file a claim that I did, including letter from OFAC stating the fact of no funds blocked, but BOFA returned it as invalid since this was not an ACH transaction, but " bank adjustment '' There is literally no one in customer support, who understands the process of how to release blocked funds that were kept XXXX due to some mistake on the bank side and no one is being held accountable for that.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ND)

Dear CFPB, I was a victim of the Equifax data breach, and as a result, obtained XXXX  Identityworks data monitoring. I unfroze my account with Equifax in the fall to get a loan, and discovered last night that I am a victim of identity theft. According to XXXX, a credit card was opened in my name and my address was changed. I called Equifax this morning to put the freeze back on to my account and they refused to do it without charging me {$16.00} a month. I mentioned that I was a victim of their data breach and now a victim of identity theft, they refused to help and referred me to the hotline for the lawsuit. 
I just want my freeze back, and as a victim of identity theft am legally entitled to it. I don't want some guy in a call center trying to hustle me to subscribe for an Equifax product, when they were the source of this problem. Can you help?
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (GA)

I gave access to XXXX XXXX XXXX to my Wells Fargo and XXXX XXXX credit cards to transfer funds to me. I got cash advances and wrote balance transfer checks and XXXX XXXX  XXXX agreed to make payments to the credit card companies to pay for the withdrawals. They made payments initially but then reversed the payments. The reversals resulted in my card credit limits being exceeded by a factor of 3.5. Wells Fargo notified me that my card account had been closed and that the balance was - {$170.00}. I requested them to send me a check to take the balance to XXXX and they did. Shortly after, the balance went to - {$25000.00} after XXXX XXXX  XXXX reversed their payment. The credit limit on the account was {$17000.00}. The credit limit on the XXXX account was {$20000.00}. The balance soared to {$72000.00} after XXXX XXXX   XXXX reversed their account payments. One payment that was reversed was for {$52000.00}. XXXX XXXX XXXX took similar actions with my XXXX XXXX account. The account credit limit was {$20000.00} and the account balanced soared to {$57000.00} after their account payments were reversed.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

Requested documentation From XXXX verifying that this loan is mine they Refused to Provide Contract sighed by me for this loan. As the information reported is not Accurate
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I returned the vehicle in XX/XX/XXXX and XXXX sold the vehicle at auction in XX/XX/XXXX. After I returned the vehicle in XX/XX/XXXX, I made a payment plan with XXXX. I have never missed a scheduled payment and therefore the lates that are being reported are completely false. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number  ****XXXX. ( Please see page attached from my credit report. ) I returned the vehicle in XX/XX/XXXX and XXXX sold the vehicle at auction in XX/XX/XXXX. After I returned the vehicle in XX/XX/XXXX, I made a payment plan with XXXX. I have never missed a scheduled payment and therefore the lates that are being reported are completely false. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've contacted Transunion numerous times by phone and mail when you call your routed to some foreign country where you are just routed from operator to operator with no knowledge of your issue... Im disputing a Public record that's reporting on my Transunion consumer file that is incorrect Ive filed with attorney general, contacted the Courts and there is no finding of a public record ... CASE NUMBER XXXX
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to assert that, throughout the duration of the aforementioned account, I have consistently adhered to timely payments without any instances of tardiness. In light of this, I kindly request the provision of comprehensive documentation that substantiates and validates the purported late payment. In the absence of such evidence, I am requesting the expeditious removal of this inaccurate information from my credit report. I sincerely appreciate your prompt attention to this matter.

It is imperative to emphasize that the alleged late payment is, in fact, invalid. According to the Fair Credit Reporting Act ( FCRA ), there exists a provision allowing for a 30-day window within which discrepancies of this nature can be rectified. I trust that, in accordance with regulatory guidelines, swift action will be taken to rectify this discrepancy, ensuring the accuracy of my credit report. Your cooperation in this matter is greatly appreciated, and I look forward to a timely resolution. 

No knowledge of account being opened : XXXX
Consumer complaint received 2019-11-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLIANT CREDIT UNION (TX)

I received a letter from Alliant Credit Union dated XX/XX/XXXX claiming that they will convert the hard credit pulls to soft credit pulls. They claim it would take 60 days to reflect these changes. It is currently XX/XX/XXXX and none of the changes have happened. It has been over 3 months and the credit inquiries still show up in my credit report.
Consumer complaint received 2023-07-03
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023, I withdrew {$4000.00}, from my credit union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, TX, in the form of a cashier 's check. I then drove a few blocks to Bank of America Branch located at XXXX XXXX XXXX XXXX XXXXXXXX, TX, and deposited the cashier 's check. that was made out to my name. 

I asked the bank employee how soon the funds would be available and was told since its a cashiers check it should be immediately, but, no more than a day. Three hours later I received notification that BOA would hold my funds until XX/XX/2023. There is no reason for these funds to be on " hold ''. 

Had I cashed the cashier 's check and subjected my safety by having a large sum of money on my person I would not have this issue. The bank would not have held funds!!! 

This is the second experience of this nature. In the first, I was informed the credit union check was larger than the established amount of {$5500.00}. Based on this and the fact that a cashier 's check is the same as cash, I did not expect another issue that prevented me with the use of my money!!! 

Three hours after my deposit, I received notification that my funds would be held until XX/XX/2023, at XXXX XXXX local time ; Reason : " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' WHAT!?! This is totally unnecessary, and I believe BOA is being a bully. It does not take 13 calendar days/11 business days to verify a cashier 's check. This is ridiculous! 

The verbage on the website states, when asked : " How long does it take for a cashier 's check to clear in Bank of America? 
Funds deposited before XXXX XXXX ET on a business day will generally be available the next business day. Funds deposited before XXXXXXXX XXXX PT on a business day will generally be availasble the next business dayl. You will be notified if a hold is placed on any deposited funds ''. 

There is a systemic problem with BOA 's protocol. This cashier 's check is from a FEDERAL CREDIT UNION! BOA is holding my money and making compounded interest on it. 

I filed a complaint with BOA and the associate stated she would file a " grievance '' and I should hear something within a few days but she was sure my funds would be released. 

Comparison : My sister made a similiar withdrawal from the same credit union in the form of a cashier 's check then deposited it in her account at XXXX and her funds were immediately available without a HOLD!
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OH)

I am writing to dispute the following information that appears on my XXXX report from XX/XX/2023 : Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$570.00}. The original creditor is XXXX XXXX XXXXXXXX XXXX XXXX. 

I was also sent a contract from XXXX XXXX XXXX with handwriting that isnt mine I asked this company to not get in contact with me I have never received any services from this company.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to my research about FCRA 605, XXXX and TransUnion credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

XXXX XXXX XXXX- XXXX   XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (VA)

The attached documentation shows all the required info requested. 
I will enclose all the communication with JP Morgan Chase as how I had tried to resolve this issue directly with them. 
This all started in XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX when I was frauded to transfer funds for a investment and upon several days of transfers realizing it was just a scam I stopped and sought Chase, XXXX and XXXX XXXX for assistance for the loss of my funds. 
I explained this to all involved parties that I was scammed from XXXX XXXX for a investment and with no opportunity to pay to release the funds over and over again. I stopped and sought help to retrieve my stolen funds. 
Their were other transfers that were non wire but I am here reporting the info I had requested from Chase directly. 
Thank you XXXX XXXX
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the fair credit reporting act l. The list of accounts below has violated my federally consumer rights to privacy And confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States that I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. It also states that consumer reporting can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report Containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedate the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person should not furnish any information relating to a consumer reporting agency if the person knows or has responsible cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.