davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year> I filed a claim. Claim number is XXXX. 

It was for XXXX fraudulent transactions on debit card ending in XXXX. I was issued a temporary credit of {$160.00}. 
On XX/XX/year> Wells Fargo reversed the temporary credit claiming they received proof the transactions were not fraudulent. I called Wells Fargo asking what proof. They told me several stories and I spoke with XXXX escalated managers. The first transaction was for {$72.00} for a liquor store called XXXX claiming I purchased Gasoline. I have never been to this store and this store in fact does NOT even have gasoline there. No gas pumps no gas period. They showed no proof other than a card was inserted and no pin used. I was issued a new card immediately upon the initial call on XX/XX/year> when I called to report fraud. 
The second transaction was for {$90.00} from XXXX through their vendor XXXX XXXX. Wells Fargo told me the reason this temporary credit was reversed was because XXXX XXXX sent picture of items delivered to my home. The picture is of items on a doorstep with no address located in picture and is not my home. Furthermore, I have snapshots of chat I had with XXXX today, XX/XX/year> where as XXXX shows me that they in fact agreed that refund should be issued and actually was issued, but in wrong amount. XXXX said they only refunded {$2.00} and agree items were never delivered or ordered from me. Unfortunately they can't issue refund any longer as it from 30 days plus ago, but that my bank should have refunded it and they never disputed it. Which is why picture that was supposedly sent to Wells Fargo from them was not my home, as they never sent them a picture! Wells Fargo basically refused to listen to reason and said Good Luck trying to get the money back and that filing a complaint here with you will only cause in retaliation and possibly closure of my XXXX plus year old bank account! I will include pictures of all this as well.
Consumer complaint received 2023-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-21
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: JPMORGAN CHASE & CO. (FL)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with JPMCB XXXX XXXX for many years. During our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I had a breakdown years ago, I was in a financial dilemma XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX son. As a result, XXXX of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better-paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.
Consumer complaint received 2023-02-18
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. (AL)

XX/XX/23 -- - : I have several times disputed with Transunion in reference to the US Dept of EducationXXXX XXXX student loan reporting now incorrectly as Open with a $ XXXX balance. I received a letter from XXXX stating effective XX/XX/23 ALL of my student loans had been forgiven ; now loans have a XXXX balance therefore status on any of my credit reports should now be this US Dept of EduXXXX XXXX student balance now XXXX ; Status/Remarks should now be Paid. Closed. ( I have attached copy of XXXX letter stating ALL of my student loans have been forgiven effective XX/XX/23 )
Consumer complaint received 2021-12-20
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: Experian Information Solutions Inc. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-08-11
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: National Credit Systems,Inc. (NC)

National Credit Systems has failed to send proper documentation to me regarding my request to validate this debt. It became increasingly clear the company is being willfully negligent in rectifying my affairs. Over the past few months, Ive made multiple attempts to have this debt reasonably investigated in accordance to federal law. There were no supporting documents and probable evidence sent to me to validate the debt. I am demanding that the above mentioned debt be removed from my credit account. Attached are supporting documents proving my attempt to dispute this debt multiple times and the laws that apply to this particular negligence on the companys behalf.
Consumer complaint received 2017-06-07
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. (FL)

For years   XXXX    XXXX   XXXX  reported only to experian about  XXXX  debt I do not owe, according to experian they 've verified that I owe  XXXX   XXXX   XXXX  these  XXXX   XXXX , not sure how because  XXXX   XXXX   XXXX  was never able to validate with me. experian has refused to re-investigate and after many years will not re-investigate the information.
Consumer complaint received 2023-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2024-04-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (TX)

I initially filed a complaint XX/XX/XXXX as CFPB ignored the issue and allowed WF to spend another 30 days to respond after Im already 30days past due in XX/XX/XXXX, I have not received WF response as its been 45 days-XXXX refused to assist me and refused to place me in a plan. NOW I AM 90 days past due in 2 days. WF set this up for me to fail, with intent to foreclose on my home. After XXXX weeks in on my complaint, WF ASKED FOR another 30 DAYS, cfpb ... .why would u give them 2 MONTHS TO SIT ON THIS to say we did everything properly by law to COVER THEIR MISTAKES, but continue to have " multiple '' class law suits every year!!!? why would THEY NEED ADDITIONAL TIME AS THEY ARE DOING ABSOLUTELY nothing BUT A SET UP TO FAIL IN WHICH LET ME REMIND YOU CFPB ... class action XXXX illegal foreclosure, add me to the suit including reimbursing me for all the damages, set up to fail repeated VIOLATIONS and their incompetence errors, responding to escalation : XXXX who called me asking about XXXX acts and act numbers when he could have done the research but hes too lazy and incompetent to do his job including XXXX, low down and rude refused to place me in a XXXX  agreement, WF OWES ME for the multiple violations and treating me unfairly for AGAIN another modification and set up for foreclosure, in 30 days they will tart foreclosure, then respond to you on how they can take my property. DO I NEED TO CONTACT HUD AND FILE A COMPLAINT against CFPB for AGAIN taking up for WF and allowing them to treat me unfairly?? The multiple glitches never corrected? WRONGFULLY Foreclose HOMEOWNERS, hERE WE GO AGAIN AS im A victim! this lien should be free & clear or if anothing 6 months no payments. Receiving THESE USELESS LETTERS, NO RESPONSE FROM XXXX, XXXX and XXXX! SEE DOCS ATTACHED. CFPB are you waiting for WF to WRONGFULLY Foreclose on my home in the next 30 days ... due to failing to offer or assist me during hardship on fha LOAN?? /as this is exactly what's happening AND YOURE BUYING TIME IS UNNACEPTABLE! i WILL FILE A COMPLAINT AGAINST YOU cfpb AND wf TO FHA HUD TOMORROW, YOU CAN COUNT ON IT. sitting on this giving WF more time is unacceptable, time for what?????? what do they need time for?????
Consumer complaint received 2021-12-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I am the victim of a XXXX scam please assist me in any way that you can. 

On XX/XX/XXXX around XXXX PM I received a text message from Wells Fargo asking if I had attempted to send money to A recipient using XXXX. The text message asked me to reply yes or no, so I replied no. Less than XXXX seconds after my reply, I received a phone call from Wells Fargo customer service. I picked up the phone and the XXXX explained to me that somebody named XXXX XXXX was attempting to transfer {$3000.00} out of my bank account using XXXX. The XXXX explained to me that in order to reverse the transaction I needed to transfer the funds back into my account using the XXXX platform. The agent walked me through the steps on how to reverse the transaction. The agent told me to log into my bank account, access XXXX, type in my phone number as the XXXX recipient and transfer {$3000.00} back into my bank account. I completed the request of the XXXX and I was relieved that Wells fargo had protected my account from thieves. I was told that the transaction would take XXXX hours to see any changes in my account. 

Once the transaction was finished, I requested for the XXXX to send me a confirmation email of our interaction which he agreed to do so. XXXX minutes had gone by and I did not receive an email so I decided to call Wells Fargo to figure out why I hadnt received the confirmation email yet. 

Wells Fargo then explained to me that they never called me, and I was not speaking to a Wells Fargo customer service XXXXt. They had just notified me that I had been a victim of a scam. 

During the phone call with Wells Fargo, I filed a claim and waited almost XXXX weeks. On XX/XX/XXXX around XXXX AM I called Wells Fargo to follow up on my claim. At that time, Wells Fargo had notified me that I would not be receiving a refund even though this was a scam. They said they were unable to locate the funds therefore, they were not able to refund my money. They suggested that I file a police report which I did. I called Wells Fargo back after filing a police report. They further explained to me that I would not be receiving any funds back even though I filed a police report as they suggested. 

I would like to file a complaint against Wells Fargo bank. I was scammed and it feels like no one wants to help me recover my funds back. To lose {$3000.00} to a scam is disheartening. I had confidence that my bank would reimburse me the money that I lost, but they treated me as though this situation was all my fault. I have been a customer of Wells Fargo 10 or 15 years so I was expecting for them to handle this situation differently.
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX  has violated my rights. Or a list of Inquiries : 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am a XXXX holder for over 10 years. I am attempting to inquire about the benefits on my card. I have XXXX Capital One XXXX XXXX XXXXXXXX  and I contacted XXXX to verify my benefits before I travel out of the Country. Capital one provided me with a Guide to Benefits. 

This Guide to Benefits contains detailed information about insurance and retail protection services you can access as a preferred cardholder. This Guide supersedes any guide or program description you may have received earlier. 

After contacting XXXX, they are saying my XXXX XXXX XXXXXXXX has no benefits at all, and all customer service reps ( XXXX ) whom I have spoken with over the last XXXX weeks are saying this is unheard of and very unusual. 

I have spoken with XXXX Supervisors and a Supervisors Supervisor, who claim to have escalated my concerns to XXXX It has been XXXX weeks, and still no response from XXXX. I call everyday to XXXX a manager who has escalated my case, at XXXX. XXXX keeps telling me they are still waiting to hear back from XXXX Execs. 

I travel out the country in XXXX  days, and I need a letter from XXXX verifying my rental car coverage as well as my trip cancellation coverage. I need to know that I actually have all the benefits that are promised to me as a XXXX XXXX Card holder. 

I have spent numerous hours trying to get a normal verification of benefits letter from XXXX, yet no one can help me or no one can explain why my XXXX XXXX cards ( XXXX ) dont have the benefits outlined by Capital one and my XXXX XXXX XXXX benefits guide. XXXX XXXX XXXX Please do not let XXXX get away with promising benefits to customers to open accounts, but not standing by their agreements and benefits when a customer tries to use them. THESE ARE DECEPTIVE FINANCIAL PRACTICES ON BEHALF OF XXXX. PLEASE HELP THE CONSUMER!
Consumer complaint received 2023-07-17
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. (TX)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Dispute of Credit Reporting Agency Dear Sir/Madam , I am writing to file a formal dispute regarding the information listed on my credit report. I have made previous attempts to resolve the matter directly with Equifax, but have been unsuccessful in reaching a satisfactory resolution. 

I want to bring to your attention the following details regarding the dispute : Account Information : Name on Account : XXXX XXXX Account Number : XXXX XXXX Date of Incident : XX/XX/2023 After reviewing my credit profile on XX/XX/2023, I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was and account that I did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect hat the account is disputed and therefore a second validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no update and account is still reflecting on credit report. I do not believe the account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving this account belongs to me and all information is correct.

Enclosed with this letter are copies of relevant documents that support my claim.

I kindly request that the CFPB investigate this matter and take appropriate action to help resolve this dispute. Please keep me informed of any progress or communication with the financial institution regarding my complaint. 

Thank you for your attention to this matter. I appreciate your assistance in helping to resolve this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-28
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. (MA)

I have submitted multiple requests to dispute multiple items on my credit report and Transunion has not done their part in making sure that the information on my credit is accurate. I am attaching a list of items that they failed to address. I am asking that Transunion does their part and removes these inaccurate accounts from my credit report.
Consumer complaint received 2023-02-18
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)

My name is XXXX XXXX. I am a victim of identity theft and need the following accounts to be deleted from my credit report. I have submitted documents to the credit bureaus multiple times and the items still have not been removed.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, 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. (CA)

THESE INQUIRIES ARE FRAUDULENT AND DO NOT BELONG TO ME XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX