davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WA)

On XX/XX/21, I received a phone call that spoofing the phone number of the US Immigration and Customs Enforcement ( ICE ), they blamed me that I haven't updated my alien registration number and accused me of trying to hide my identity. They forced me to choose between being arrested for a few days for paying them a deposit called " Immigration Bond ''. They also spoofed the phone number of the XXXX XXXX Police Department to make me believe that I'm under the investigation of the FBI. Then, as a result, I have to choose to pay them the deposit, they said I have 30 minutes and have to do what they said otherwise I'll be against the law. They monitored my phone to force me to transfer an amount of {$1600.00} to them, the recipient is XXXX XXXX, and his email is XXXX. The account is verified by Zelle, therefore, I want to report Zelle in verifying scammers ' accounts. 

Zelle is backed up by many banks, so each of their customers should be legally authorized to have a bank account. However, Zelle shows no responsibility for aiding and abetting frauds and scams. By claiming no responsibility and offering zero assistance, Zelle and the banks using it are facilitating wire fraud and money laundering. Zelle accounts are all linked to US Bank Accounts, which means that Zelle knows the recipient 's real name and social security, and they can easily freeze or reverse the transaction, or even tell the sender who the money was sent to so they can file a small claims case. Instead, Zelle let XXXX XXXX, the owner of the above Zelle account must have used the same account to scam multiple people.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (FL)

i had XXXX in XXXX and was in the hospital for a little over a month and i came out in XXXX XXXX and went back on XX/XX/XXXX for complications and didnt get out till XX/XX/21 i couldnt make my payments to any credit card company and there the only one who reported me late and i called them and told them they said they enrolled me in some program and would wave everyting for 90 days and not they didnt any they destroyed my credit
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

My grandson, XXXX XXXX, contacted me to inform me that Wells Fargo is closing both his account and our joint account as a result of fraudulent activity on his personal account and his relationship with the joint account. 

When I called in regards to this matter, Wells Fargo stated to me that the only way that I can keep this account open is that my grandson and I go into the branch together to have his name taken off the account. I stated to Wells Fargo that due to my XXXX, I would not be able to drive the distance to XXXX XXXX, California from XXXX XXXX, California, which is approximately 1 hour and 45 minutes drive because of my sleeping condition, and even if my grandson could come out here, I asked if I could go into my local branch and remove my grandson from the account as an accommodation due to my XXXX, and the representative put me on hold. When she returned to the line, she said that unfortunately, the only way is for you both to come in at the same time. 

My grandson attempted to visit his local branch, but Wells Fargo refused to withdraw his name from the account, stating that he would need to schedule an appointment and that I would need to accompany him. 

I made a third attempt calling in and explaining my situation to one of the representatives, she stated to me that the only way that I will be able to keep the account open is if my grandson went into a branch, and I went into a branch at the same time, which does not sound reasonable as what I stated to her, I stated to her that because of my medical appointments and XXXX  condition, I would not be able to meet at the same time, If my grandson would be able to come out to me, The representative then told me there was nothing else they could do. I contacted the Wells Fargo complaint department and spoke with what I believe to be a Wells Fargo advocate, who stated that he would be able to assist me further with my complaint. 

I gave him all of the information with my grandson on the phone, and after we spoke, he stated that he had contacted the department in charge of the account and that there was nothing he could do to help me, but he was able to accept my complaint. 

Finally, Wells Fargo stated that they would give me until XX/XX/2024 to resolve the issue and get my grandson to sign off on the account process. 

All of my deposits have been blocked. My hardship, my work paycheck, which was sent to Wells Fargo for deposit, was blocked and returned to the employer. 

I was unable to obtain food, XXXX XXXX, and gas to travel to and from work and medical appointments. I explained all of this to the complaint department and will proceed.
Consumer complaint received 2022-11-09
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. (CA)

XXXX XXXX is reporting on my personal credit file with XXXX and TransUnion credit reporting agencies. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agencies & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. Under the Fair Credit Reporting Act section 605b, I am requesting that the Credit Bureaus remove the disputed account reporting on my Credit Report : XXXX  XXXX Balance Owed : {$0.00}. If the Credit Bureaus believe that the disputed account belongs to me, I need the Credit Bureaus to send me copies of proof of verification as well as proof of address. In the event that the Credit Bureaus can not provide me copies of documents I seek, immediate deletion of the disputed account will be appreciated.
Consumer complaint received 2023-01-17
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} Late Dates XXXX and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Late XXXX.
Consumer complaint received 2023-01-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I drafted a letter of negotiation and a payment promissory note to tender payment through my bank for an auto loan settlement. Within the letter of negotiation I requested also a refund pursuant to 12 CRF 1026.11 - TREATMENT OF CREDIT BALANCES. 

In order for a payment promissory note to be valid you need to have a Medallion Signature Guarantee. I have an account with Bank Of America which they offer the service for free. They refused to medallion stamp my payment promissory note and only answer I could get is that they don't stamp those. 

So I was prevented from tendering payment by refusing to stamp thus was unable to present pay thru my bank to a clearing house and also because my payment promissory note was for the full amount I also requested a refund pursuant to 12 CRF 1023.11. 
Your appointment details : Confirmation # : XXXX Where : XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX Discussion topic : Medallion Signature Guarantee When : XXXX XXXX XXXX XX/XX/20XXXX XXXX
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 used XXXX ca card at bank. XX/XX/2021 card info was stolen and used at another bank without my knowledge. Call bank to notify card canceled and issued new card bank of Americas call XXXX and card was closed for fraud and claim was closed on XX/XX/2021 verified on XX/XX/2021 with XXXX say sent over release of fund form on XX/XX/2021 boa say no time frame to unlock I just have to wait same script every time I call submitted freeze tracker to XXXX and both playing blame game thuu it s is draining and frustrating getting run around and no results or answers did everything I was supposed to do told by both parties
Consumer complaint received 2023-01-17
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. (CT)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXXXXXX XXXX ), XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$240.00} ). Its been over XXXX  days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sa-Vit Enterprises, Inc. (NJ)

This company is attempting to collect a debt that I do not owe to my insurance company. I was informed by my insurance company that covid19 testing was always covered, and I went to an in-network XXXX XXXXXXXX to receive the test. Over a year later I received a collections notice, and this was the first time I ever heard anything about my claim being denied. I should not owe anything because this test was supposed to be covered 100 % as I was told. I would not have gotten the test if I hadn't asked to make sure it was covered first.
Consumer complaint received 2022-03-22
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)

I, the consumer am aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of 15 U.S.Code 1681 ( b ). I filed a complaint on XX/XX/2022 ( XXXX ) due to the illegally furnished accounts on my consumer report by TRANSUNION. Again, I gave no form of written instructions to accept, furnish or report any information on my behalf. This is considered identity theft. I, the consumer am aware the term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. It has been more than 30 days since this complaint was filed, per Exhibit A. Notice, it is a fact after 30 days if the information can not be verified, or if the information is found to be inaccurate or incomplete, the information must be deleted, modified as complete and accurate. The information associated with 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 is still reported inaccurately and illegally in my consumer report before the investigation and shown in my consumer report after the investigation. This information should have been deleted and I should have been notified of this deletion. This is a violation of 15 U.S. Code 1681i ( 5 ) ( A ) ( i ). I demand to know the persons who certified this information otherwise remove all the accounts listed. It is a fact, affiant is aware, each requirement of the FCRA which Transunion fails to comply with, holds the company liable for {$1000.00} per action and pursuant to 15 U.S.Code 1681i when an investigative report is prepared, no adverse information in a consumer report may be included in a subsequent consumer report unless the reported was verified. Each month this false information was incorrectly verified making TRANSUNION liable for each consecutive reporting shown in Exhibit B-J.
Consumer complaint received 2023-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Thaxton Investment Corporation (SC)

I filed XXXX XXXX bankruptcy in XXXX. I paid my bankruptcy off in XXXX, all debts were discharged. I receive a call from XXXX last week stating that they are feign to collect a debt that was sold to them from Quick Credit in XXXX SC. I let them k ow this debt was discharged through bankruptcy. On XX/XX/XXXX this account was put on my credit report. How does an original credit sale a debt that was discharged through bankruptcy. I have reached out to Quick credit and XXXX. I am in the process of buying a house and due to this debt being added to my report my score has dropped and I may not be able to buy my house now.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

An SBA loan was deposit on my Chase account. After that Chase close my account and came to a conclusion that the SBA loan was not available for me. After closing my account supposedly they will sent the loan back to the SBA, but that never happened. I contact Chase, not only by phone, but also physically at one of their branches, but nobody was able to give me any information or solution to this matter. 
I have been in contact with the SBA customer service, because I received email and letters from them charging monthly payment plus interest fee, for a money I never received and it was supposed to be returned by Chase.

As a mention before the SBA confirmed that they never received the money.

The bank is ignoring all my requests from this matter and they still havent returned the money.
Consumer complaint received 2021-03-12
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: Tower Loan of Mississippi, Inc. (MO)

On XX/XX/2021 Tower loans did a hard inquiry on my credit. After looking I found this company is doing a hard inquiry quarterly on my account. I did not authorize these inquiry. I called the number on inquiry and it goes to a doctors office. I want this fraud stopped.
Consumer complaint received 2023-01-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

My intent was opening an account with CIT Bank which already I have an account with them and I was opening a Certificate Deposit with No Penalty Account. XXXX redirected to CITI Bank, I opened the account and realized it was penalized if I Have to with draw early. 

I called one week after opening the account immediately and explained the situation XXXX redirecting CIT Bank accounts to CITI Bank. There were no proper explanation all they were saying account opened online, to with draw it will be penalized. 

Now I have situation I have to pay my daughter tuition fees, there are penalty. 

All CITI Bank associates spoke to me are rude. 

I would like to escalate to this bureau to investigate on XXXX and CITI Bank and close my Certificate Deposit with interest incurred with out any penalties.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


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