davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (TX)

We wrote a check for our rent in the amount of {$1400.00}. When it finally went through, Wells Fargo had changed the amount to {$1700.00}, sending the account into overdraft. We have spent over four hours on the phone over two days trying to get them to rectify the error as overdraft fees accumulate. They refuse to allow us to send them proof of the mistaken amount ( a scan of the check provided by our leasing office ), or reverse the error so that my wife 's account can be positive again. In addition, they keep insisting she needs to call them again the next day or wait for their call, which is nearly impossible because she works XXXX for XXXX straight hours and is not allowed to go have an hour long conversation while at work.
Consumer complaint received 2021-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

On XXXX XXXX, 2021, I was contacted by someone on XXXX XXXX looking to buy an item I had listed. I generally use cash for these transactions, but the person asked for my Venmo username, and without thinking, I provided it. A few minutes later, they messaged me that they had accidentally sent me {$2000.00}, which was their rent money. They sent me many frantic messages begging for it back. I was skeptical, and took some time to research whether this might be a scam or not. The clearest advice I found came from Venmo 's help pages, which told me that if a stranger sends you money accidentally, and you see it in your Venmo balance ( which I did ), then it is safe to send back, and that is what they advise you to do. When I later spoke with a number of Customer Service representatives on the Venmo 's fraud line, they advised the same. I saw that my Venmo balance contained the extra {$2000.00}, so I accepted the request for a refund. After sending the money, the person stopped responding to messages and deleted their XXXX account. 
Almost immediately, I realized I had probably done the wrong thing and contacted Venmo again, and asked them to reverse my refund payment. They said I had done the correct thing and it was likely not a scam and they would not reverse my payment. 
On XXXX XXXX, I noticed that my Venmo account now had a negative balance, and that there had been a chargeback filed by the sender. From my online research, I assume their card was stolen by a scammer when the payment was made to me, and when I issued the refund, the scammer sent it to his own bank account. I submitted these details to Venmo, who argued on my behalf with the credit card company, but the credit card company found in the sender 's favor. I am now ( as of XXXX XXXX ) told by Venmo that I owe them over {$1500.00} ( they have already seized approximately {$500.00} that was in my balance at that point ). They have said there is nothing else they can do. I am frustrated and confused that there are no protections of the Venmo Balance, given that some protections would be offered by my bank account or credit card. Because the money was sent to me first, it was withdrawn from my Venmo Balance, instead of a source that might offer me better protections. I am even more outraged that Venmo ( on both its published help pages and Customer Service lines ) offers incorrect guidance, which only results in costs for users, but Venmo takes no responsibility.
Consumer complaint received 2016-09-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

In case # XXXX on XXXX/XXXX/2016, Wells Fargo stated they would have the account canceled in 2-3 weeks. They have not canceled the account as of XX/XX/XXXX and are unwilling to provide a date for when this will be resolved and have stated they will continue to send me bills demanding money for a loan they never funded, was canceled, and are aware was canceled. 

At this time, they 've violated the Right to Cancel time frame and their previous written understanding based on the previous complaint. They have been told I 'll only respond to things in writing as they have to refused to provide me with any information I can verify independently over the phone. 

Similarly, based on my call to XXXX, their statements that they are speaking with them to " resolve '' the issue appears to be incorrect as I was told there was no cancellation process underway by XXXX and the " contact name '' they gave me does not return my attempts to contact him. 

& gt ; The account was noted on XXXX XXXX, 2016, that the cancellation request had been received. We confirmed that the account cancellation is being processed and that can take two to three weeks. Once the account is cancelled that information will be forwarded to the county to have the lien released
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

I have send three rounds of certified letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all in 2021 ) for the correction of my Equifax credit report for inaccuracies and for Equifax to send me an updated credit report. Equifax has ignored my letters and when I've called them multiple times on the phone they have placated me with promises that they would update my file and send me corrected reports. I have received nothing and have been ignored completely. I'm at wits end, please assist me.
Consumer complaint received 2024-03-12
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. (OR)

ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX LAST 4 of XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : Subject : Opt-Out Request under 15 U.S.C. 6802 DeaXXXX XXXX XXXX XXXX XXXX I am writing to formally request that XXXX XXXX XXXX XXXX cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as outlined under 15 U.S.C. 6802. 

As a consumer, I am well aware of my rights to privacy and the protection of my personal information under federal law. According to the provisions outlined in 15 U.S.C. 6802, financial institutions are required to adhere to strict guidelines regarding the disclosure of nonpublic personal information to third parties. 

Upon review of my records, I have become aware that XXXX XXXX XXXX XXXX has been sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies without my explicit consent. This action is in direct violation of the regulations set forth in 15 U.S.C. 6802 and is unacceptable. 

I hereby demand that XXXX XXXXXXXX XXXX XXXX immediately cease and desist from any further sharing or disclosure of my nonpublic personal information to non-affiliated third parties and consumer reporting agencies. Furthermore, I request confirmation in writing that such actions have ceased, along with the assurance that my personal information will be handled in accordance with federal law moving forward. 

Failure to comply with this request will leave me no choice but to pursue legal action to ensure the protection of my rights and the safeguarding of my personal information. 
Thank you for your prompt attention to this matter. I expect a response within 30 days of the receipt of this letter. 

Sincerely, XXXX, XXXX
Consumer complaint received 2021-12-28
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. (VA)

Transunion has violated my right to privacy by furnishing my personal information as well as information in regards to any account I may have without my prior consent. I never gave Transunion permission to furnish any of the information on my report. They have took it upon themselves to harm my credibility, furnish damaging items on my report, and has made it impossible for me to sustain a positive image. I have tried numerous times to get this situation fixed. They have violated several federal laws under Fair Credit Reporting Act. The main being 15 USC 1681b, which states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates '' I never entered into a contract with TRANSUNION giving them permission to furnish any information on me. Also, Pursuant to 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer report.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

THERE ARE ACCOUNTS ON MY REPORT THAT ARE CLOSED WHICH SHOULD NOT BE ON MY REPORT AS WELL AS ACCOUNTS THAT HAVE INACCURATE DATA PER BUREAU. i HAVE SENT ACTION LETTERS DEMANDING REMOVAL AND I HAVE BEEN TOLD NOTHING HAS BEEN RECIEVED AND NOTHING CAN BE DONE. PER THE LAW VIA 15 USC 1692 AS WELL AS 15 U.S. Code 1681b - Permissible purposes of consumer reports THEY NEED TO BE REMOVED ME BEING THE CONSUMER. 15 USC 1602i. tHESE ARE ALLEGED DEBTS. I AM UPSET TO SAY THE LEASE THIS INFORMATION HAS BEEN Inaccurate and has caused major loss within my life as well as i have been harassed by these companies at terrible hours of the night and early morning. only i can validate any debt and none of these are validated. these charge offs and collections are unlawful per 15 usc laws 15 usc 1681a2-b what congress says should never be on a consumers credit report.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Victim has never been an account holder with BECU, but her mother, Suspect has an account with BECU. Victim was not listed as a joint account holder with Suspect for that account nor has she had access to that account. 

In XX/XX/2023, XXXX stated in her deposition that she forged Victim 's name to receive payments into her sole BECU account from XXXX XXXX for a joint tenancy in mineral interests. 

In XX/XX/2023, BECU  produced copies of checks in response to a subpoena from Victims attorney. 

Based on the documents produced by BECU to date, BECU allowed Suspect to deposit approximately {$120000.00} with only the endorsement of Suspect, when checks were made out to " 'Suspect ' and XXXX ' XXXX. '' BECU allowed Suspect to deposit XXXX checks totaling {$32000.00} with the forged signature of Victim, including XXXX check that was originally voided by BECU for missing Victim 's endorsement. 

Suspect used a BECU ATM in XXXX, WA and a XXXX XXXX XXXX ATM in XXXX XXXX, WA to deposit these checks. 

Despite multiple requests, BECU has still not provided Victim with copies of XXXX checks totaling {$20000.00}. 

There were also XXXX XXXX payments made totaling {$80000.00} that BECU has not provided the direct deposit authorization form/process for. 

Victim should have received 50 % of the payments for the amount in dispute totaling {$120000.00}. 

For 2 months, Victim and her attorney have been attempting to contact BECU to resolve these issues with the unauthorized payments in the form of single endorsed checks, XXXX payments, and payments accepted with Victim 's forged signature. Victim sent an Affidavit of XXXX to BECU on XX/XX/2023. However, BECU claims the originator of the payments is at fault and has been unwilling to resolve or respond further to Victim 's requests.
Consumer complaint received 2021-12-28
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. (FL)

While checking my credit report, I notice an account from XXXX XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2021-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a letter about a request for case dismissal regarding court case # XXXX from Midland Credit Management. I was unaware of this case and that an account had gone to collections for an alleged debt of {$2600.00}. 
I checked my credit report and noticed a derogatory remark on my report, I contacted Midland Credit Management and they said they will send a letter on dispute instructions. I went to the XXXX Police Department on XX/XX/2021 to file an identity theft report. I did not apply for credit through Midland Credit Management nor did I authorize anyone to do so on my behalf.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (DC)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2021-12-28
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: Experian Information Solutions Inc. (DC)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2021-12-28
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. (DC)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : US DEPT ED XXXX DPT EDXXXX XXXX US DEPTED XXXX US DEPT ED XXXX* DPT EDXXXX XXXX DPT EDXXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX US DEPT ED XXXX DPT EDXXXX
Consumer complaint received 2017-02-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

My wife and I bought a new vehicle from a local dealer. The financing was placed through Bank of America. After receiving the first billing, I attempted to pay online. This did not work. It was a trying circumstance to establish the online presence. I ended up calling in and making a payment over the phone. 
The second month payment became due and I was agin unable to get the website to recognize me. I ended up calling an XXXX number and got a wrong department and was transferred. That call then lasted 17 minutes and led to more frustration.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (DE)

I am writing to file a formal complaint against National Credit Adjusters regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$510.00} .However, I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus.

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency.

Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity.

In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my signature, which purportedly confirms that proper notification was sent to me. Additionally, I request that you provide me with detailed information about the alleged debt, including the name of the original creditor, the date of default, and the specific charges being claimed.
Consumer complaint received 2024-03-12
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file.
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX