davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
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: GREAT LAKES (TX)

I have requested the indebtness in its original form which it basically a consumer contract with my name signed on that contract. I also asked for information used to verify their dispute which includes the creditor, the person that verified the information with them, the address and the telephone number in order to receive and know how this verified inaccurate account was produced in my credit account. They have failed in numerous account to do so. I have sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 asking them to send the original consumer contract with my name signed on it to verify this inaccurate unverified account however each time they have neglected to provide me with the information requested. Not only have I asked them to show proof of this unverified account and I have asked to have this deleted immediately according to the FCRA rights I have. They removed the account from my report but then stated on XX/XX/2019 my balanced increased. The name of the creditor US Department of Education/XXXX partial account number XXXX.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (TN)

On XX/XX/2019. There was an allocation of funds in the amount of XXXX from my XXXX card into my bank. The routing number was NOT to my bank. I have contacted the bank in which the way2go website reflected has having received the payment. They advised the payment was rejected and sent back. I have tried multiple times to contact the way2go program card with no luck to find out where the money is currently sitting. I am unable to get in touch with a representative to solve the problem.
Consumer complaint received 2023-06-26
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is my formal complaint to XXXX XXXX for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2021-12-07
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: WELLS FARGO & COMPANY (CA)

I am XXXX XXXX and I am submitting this complaint myself. WELLS FARGO is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to WELLS FARGO but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( WELLS FARGO XXXX, XXXX XXXX  XXXX XXXX )
Consumer complaint received 2021-10-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (FL)

My brother passed away on Friday, XX/XX/XXXX. The day of his funeral, Thursday, XX/XX/XXXX, I was trying to arrange with movers to take my brother 's belongings from a XXXX XXXX facility to our home in Florida. The movers wanted a deposit to be paid through XXXX rather than check or credit card which I felt was fine. 

My husband and I have joint accounts with SunTrust, now Truist, and I handle all the banking ; my husband doesn't do any of it. 

We have used XXXX before and I was trying to pay the movers through XXXX and had a problem with the transaction. When I called SunTrust, the representative asked if my husband was available because I needed my husband 's " permission '' to make this important transaction as his name was first on the account. 

I told the rep that my husband was not there, which he wasn't, and I didn't need his permission as this is a joint account and I won't open up another account in order to justify this transaction. The rep and I went back and forth with this and nothing was accomplished and I was extremely upset and angry. Yes, I do have a temper and I did curse. I went through XXXX trying to pay these movers, not only for the deposit but for the final balance as well. 

I tried going through the chat with SunTrust and that didn't help either. They could have cared less that I was burying my brother the day I called because they wanted my husband to call them to give his " permission to the little woman. '' They have now suspended our online banking as a result of this situation because I refuse to let my husband call them. I never even bothered to tell my husband about this because I know he would think this was ridiculous. 
It's the principal of the matter ; plus they caused me such grief the day of the funeral and thereafter due to this scenario. I will never forgive SunTrust for how they handled this delicate situation in such a thoughtless manner! 

I now have to go through my brother 's Guardian /Conservator ( I am the G/C ) account in order to pay our mortgage or check our other accounts. SunTrust just keeps piling on the grief! 

This isn't the first time I've had problems with SunTrust. They wouldn't let me close my deceased brother 's business account, even with proper documentation, until I mentioned that I was going to contact my lawyer. 

I could understand if I was trying to cheat my husband out of money, but to ask his permission to send money to the mover who was helping me with my deceased brother 's belongings was outrageous!!
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon checking my credit file, I am still seeing the items Currently Reporting on my XXXX, Transunion and XXXX Credit file and reporting derogatory information. Please note, the letter attached to this complaint file contains instructions for each bureau regarding this issue. Please adhere.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (OK)

XXXX XXXX XXXX ( XXXX ) To : you Details XXXX XXXX Case : XXXX This e-mail sent-to : ( XXXX ), You have a pending charge on your account, kindly confirm your login credentials and card security codes to access your account online. Login after the verification process to ensure all your transactions are accurate. 

Confirm Credentials XXXX XXXX All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Please review. 

All rights reserved. Copyright 2021 American Express. 

Privacy Policy Terms & Conditions Support Account Subscribe
Consumer complaint received 2021-10-01
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: Commercial Acceptance Company (NY)

The following collection account on my credit report is fraudulent : COMMERCIAL ACCEPTANCE COMPANY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX I have previously contacted the credit bureaus of this inaccuracy and have not gotten a resolution. I am not liable for any debt to COMMERCIAL ACCEPTANCE COMPANY, XXXX XXXX, or any factoring company. COMMERCIAL ACCEPTANCE COMPANY has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.
Consumer complaint received 2021-10-01
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: JPMORGAN CHASE & CO. (NY)

The following account is being fraudulently reported on my credit report : JP MORGAN CHASE AUTO FINANCE # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have previously contacted JP MORGAN CHASE AUTO FINANCE and XXXX, XXXX, and XXXX Credit Bureaus of this inaccuracy and have not gotten a resolution. I have never requested or obtained credit from JP MORGAN CHASE AUTO FINANCE, I am not liable for any debt to JP MORGAN CHASE AUTO FINANCE or any factoring company. The account holder responsible for this debt is XXXX XXXX XXXX ( SS # XXXX ), who is my ex-spouse. Please assist me with getting this fraudulent account deleted from my credit report.
Consumer complaint received 2022-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY (CA)

Filed previous dispute regarding unfair and unlawful business practices that violated my rights as a consumer. Conclusion of the collection agency per resolution letter on XXXX XXXX stated that file had been closed and collection actions were terminated and client being Nordstrom was aware I contacted Nordstrom as well and verified this to be true on Monday XXXX XXXX. I have been contacted in the past and present month by XXXX collection agencies collecting the same debt with 2 different accounts numbers! I spoke to " XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX in which I provided a copy of the letter. I spoke to them today in which they advised that this file would be sent to there office of the president. I also received a notification in writing from XXXX XXXX in which are using a different account number and I also have sent them a copy of the attached letter sent to me back in XXXX. I contacted Nordstrom Card Services today and spoke to XXXX XXXX at XXXX who seem to not acknowledge the letter that was sent to me informing that the file is closed and collection actions terminated. I have informed Nordstrom and advised legal matters will follow if this matter is not resolved! 
The Company that they hired previous XXXX XXXX violated my rights as a consumer, in which the file gets closed, collection action are terminated. Gets closed as a result of that and Nordstrom acknowledges and now they come back almost a year later and dismiss the agreement made. XXXX XXXX XXXX has informed me as of today that they have sent the Nordstrom file that was closed on XX/XX/21 to XXXX active collection agencies XXXX and XXXX XXXX same amount different account numbers. Both agencies have been sent a copy of the letter dated XX/XX/21.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Hi, my name is XXXX XXXX XXXX. Somebody stolen my check and cashed the money from capita one on XX/XX/2019. The total Amount is XXXX. Capital one refused to gave me the refund. I am having a account with chase bank. XXXX would like to give me XXXX refund. I think capital one should give me the rest of the money which is XXXX. It was all capital ones fault. My chase account number is:XXXX my address is:XXXX XXXX XXXX. XXXX XXXX. Oh XXXX
Consumer complaint received 2022-05-26
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. (IL)

Bankruptcy on my consumer file saying bankruptcy was verified. Notify me who the bankruptcy was verified by because I have supporting documents showing the court did not verify such thing and XXXX XXXX has deleted it from their database. IF A SOURCE COULD NOT BE PROVIDED ON WHERE YOU HAVE GOT A BANKRUPTCY FROM TO FURNISH ON MY CONSUMER FILE THEN THIS BANKRUPTCY NEEDS TO BE DELETED IMMEDIATELY.
Consumer complaint received 2022-05-26
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: WAKEFIELD & ASSOCIATES, INC. (AL)

I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I haven't received any investigation results.
Consumer complaint received 2021-10-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am reaching out to see if you can help me find some assistance with the Depraved Indifference from Bank of America. For the past 2 years I have reached out to the Bank of America and have gotten the run around, the police, medical professionals and now a lawyer. My dad has been a customer at Bank of America for over 20 years and in the past 2 years is banking activities have become erratic and questionable. He goes to BOA at least 3 times a week and writes checks to to his " Girlfriend :, I have spoken to agents at the bank I have called to no avail. My dad has given over {$80000.00} away and now he is giving his pension and Social security way every month which leaves him with less than {$7.00} at times. I do not understand how the bank does have train individuals in place to help identify these cases. Unless the Bank employee are in on the SCAM. He is going to the same bank, with a chair sitting in line making friends with the people at the teller. 
I have spoken to the bank they said they can not help me, I asked the police to trace who these people are I have a police report but NOTHING HAS HAPPENED. 
I have tried to convince him that this " girlfriend '' is not real. I don't understand how hard it is to get help to find these people. I have their names : They are cashing the checks. There are even checks without his signature and forged handwriting. 

These are the people : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why is it so hard to get help. everyone know this is a crime/ scam but there is nothing in place to help!
Consumer complaint received 2018-10-02
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. (GA)

In 2018, disputes letters were sent to Experian, XXXX, and XXXX requesting they correct and validate the information on my credit report in accordance with Section 609 of the Fair Credit Reporting Act. If the information could not be validated by producing an original signed contract in accordance with the law, I requested the account be deleted. Each response, they failed to produce a signed contract. XXXX failed to date a response within 30 days of receiving the request. 

Experian Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XX/XX/XXXX No response -- -- -- -- -- - XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated
Consumer complaint received 2021-10-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (PA)

I applied for a home equity line of credit with PNC bank on XX/XX/21. I filled out an application online and spoke to a loan officer on the phone. I was given an application number and a secure account to log into that required me to put in the last 4 of my social security number. I was then sent secure communication from XXXX XXXX at PNC bank. She request that I send documents to support my application which I did on XX/XX/21 including proof of my income, information about my current mortgage. I received a call from her on XX/XX/21 saying that my income had been verified and that I would hear soon about an appraisal. I called on XX/XX/21 as I had not heard any updates and asked when the appraiser would be out to see me. She asked that I verify the last 4 digits of my social security number. When I gave her the numbers she said they did not match the application. This to me did not make any sense as I had to enter the last 4 digits to open documents to the application and had given my information on a recorded line and given the correct social security number. I asked to speak with a manager and voiced my concern about my security and this error with my social security number. She offered an apology without any explanation of how this could have occurred. I am concerned about when this error might have occurred in the process, if there is some inaccuracy or misdirection happening and that another person 's credit was ran for this loan given they had the wrong social security number.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo fraudulently opened an account in my name. I have never set foot within a branch, talked to a wells fargo representative and no loans past or present have ever been handled through wells fargo. No loans have ever been transfered to wells fargo through a company purchase or such. Yet i have recieved a notice from them they overcharged me and wrote me a check. This is one of 2 things. Either they are fraudulently opening accounts again. Or this is a ploy from them and as people cash it or contact them, it is assumed authorization and proceed with creating the account for the recipient. I will not talk to them or cash check for this reason.
Consumer complaint received 2019-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My account was compromised and I filed a fraud claim with the bank and advised them of this fraud activity. Suffering from XXXX I have to keep my Pin number written down and my wallet was stolen with this information. Bank Of America placed a temporary credit on my account at which pint totaled over {$800.00}. I revised a letter two months later indicating that the temprary credit will be reversed because they found no evidence of Fraud. I called into BOA in a panic and spoke with XXXX from Arkansas who after I explained my circumstance, disputed the reversal and told me " no money will be coming out of your account anytime soon ''. I was shocked to wake up on XX/XX/11 and notice that indeed my account is now overdrawn by {$800.00} ecause the bank debited my account, I immediately called and spoke with XXXX from Florida who stated that she was a supervisor and saw nothing that she could do. I asked XXXX what information they used to come up with this and she refused only telling me she will have a manager call me back. I called back in that two hour time frame and spoke with manager XXXX who stated that he was a senior manager from Florida who could not provide me with any information abot what was used, only stating that the pattern did not fit fraud. I then asked form documentation used to make this decision and again there was a refusal to provide this information. XXXX reports to XXXX in Florida
Consumer complaint received 2021-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WV)

On XX/XX/2021 my employer sent me {$1500.00} via PayPal. When I attempted to transfer my money to my bank account ( which I had been doing for a year or more ) PayPal refused, citing a security concern. When I asked what the security concern was, they said they didn't know, leaving me unable to resolve whatever the problem was. Ironically, they said I could still send money to a third party ( for example, to a person I've never interacted with before ) but I was not permitted to transfer my money to my bank account. As I write this, PayPal still has my money frozen. They control it and will not let me access it other than to send to third parties ( from which, conveniently, they can extract fees ).
Consumer complaint received 2021-10-01
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. (TN)

I previously submitted a complaint, No. XXXX against TransUnion and XXXX. 
This refers to TransUnion, which provided an answer. This complaint is primarily against the CFPB. You closed my complaint. The issue was two fold ; they took more than the statutory limit of 30 days to reply ; and they did not provide verifiable proof of the item in question. To merely state that THEY verified is insufficient to meet the requirements of the FCRA, and for the CFPB to simply relay and mimic their answer is not acceptable. In two weeks I will file suit in U.S. District Court to do what the agency should do, enforce the law.
Consumer complaint received 2021-10-01
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: EQUIFAX, INC. (NY)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.