davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo complaint number XXXX XXXX XXXX Account number : XXXX On XX/XX/XXXX of 2019, I was the victim of a robbery, the person who stole my wallet with my debit card has been identified as XXXX XXXX, a homeless man of XXXX yeard old that possesses criminal records I did a police report, and police and also a private investigation was started & all that was shared with Wells Fargo. 
I gave well Fargo all the information need it, I demanded Wells Fargo to check the bank security camera where would easily show that I never been in this bank, the bank answered me that they did not have enough evidence that the transaction was unauthorized.The manager of the place where I used to live is a witness, he saw the person stealing from my home, my boyfriend is also witnessed, this person has many criminal records, there is a video in weel Fargo where will show this person on the bank, however for the bank conveniently all that is no enough evidence, so I wonder then what is enough evidence to Wells Fargo? 
Their decision was based only on assumption without any real proves of facts and they arrived to the conclusion that the transaction was made by me. They base their negligent decision in a poor investigation based in nothing factual, they told me because I live nearby the location from where the money was taken, and because my bank account was inflated the day before, and because there was no attempt of using other pins, the criminal was a friend of my roommate that spend some nigth at the house, my answer to all that : I was victim of robber by a person that my roommate used to trust that is not my fault, who he got my exact pin number I don't have idea, that is not my busyness, I did not give to him, I don't authorize him to go the bank, I did not plane to steal from myself. Your decision of this claim have deeply humiliated me, you made me feel like thief, am suffering great pain, I was the victim and you have the power to prove it, but you insist in not to release the security camera from your bank, you are ignoring facts and you pretend to blame me, the victim for something that you should protect me, .I will no rest until bringing justice to this matter. 
I demand you release the bank security cameras.that is the ultimate prove, and to give me back the XXXX dollars stoles from me, and to hear from the witness that I mentioned before, now all of them are ready to come forward in my defense and they are ready to testify in any place. 
I will not let this bank get away after to treat me like a second class citizen. 
This is the last chance for you to do the right thing, my witness and I we are willing to go to tv station and find for a lawyer. 

if you are so sure that you are right then why you don't give me a copy of the bank security camera, that will prove that you are wrong and that you must pay the money stolen. To me all this situation is unfair and deeply dishonest from your part. 
sincerly XXXX XXXX XXXX.
Consumer complaint received 2023-01-13
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. (MD)

My student loans Ive been fighting since their first lawsuit, was finally excepted with their second lawsuit and I was approved XX/XX/2022, the discharge of XXXX percent shows to be removed within 180 days weve past that by 100 days, its affected my score every month within the 100 days on top of over the years by about XXXX points, thats not fair, their twos are harassing me and marking me feel like law is hopeless and that I need to be scared or depend on something other then my rights and law plus their letter.
Consumer complaint received 2021-06-15
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)

I have a very big mistake in my reporting someone just put items that do not belong to me or to my business activity. I am shocked this is absolutely not legal I am begging you to remove them. Please figure put who did it to me and I will file a report.
Consumer complaint received 2021-06-14
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. (MA)

XXXX XXXX XXXXXXXX made a Typo in my SSN number entry that led to incorrect SSN number update in XXXX XXXX and Equifax records. 

This further caused issue in my Federal Refund that is now delayed, IRS issued letter XXXX which requires me to verify my id on XXXX that uses XXXX  for reference and the online ID verifications are failing. 

I suspected and then got the typo in my SSN corrected at XXXX XXXX XXXXXXXX on XXXX XXXX, and also raised individual dispute cases with Equifax, XXXX & XXXX , however my SSN data have still not been corrected. XXXX XXXX dispute notification now incorrectly states 'The issue date of Social Security number that you gave us when you contacted us is not verified by the Social Security Administration ', while infact they did not ask me for this information during my phone call with them, and the documents that I have uploaded for them are scanned copies of my original SSN card, W2 and my license. 

I am now unsure if it is a XXXX problem or XXXX, and they are making me go pillar to post without taking full accountability to correct my personal information in their records.
Consumer complaint received 2021-04-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I entered into the Forebearance program with Wells Fargo ( WF ) and missed two payments, XXXX and XX/XX/XXXX. I was told by WF to continue payments when possible so I began making payments with the XX/XX/XXXX due date. On XX/XX/XXXX, XXXX had me sign a Loan Modification which moved my two missed payments to the end of the loan and gave me the new terms of the loan with first payment due XX/XX/XXXX. I continued making original loan payments. 

After a month of no update to my loan profile on Wells Fargo online, I contacted WF and they said it takes time to process and my profile should update soon with the new terms. My profile said I was overdue on payments and had an outstanding overdue balance. I continued to contact WF weekly and they promised it would update soon. And I continued to make full original loan payments on time. 

Then WF contacted me in early XXXX and said I no longer qualify to the new loan modification since I continued making payments. They advised me GNMA requires 90 day deferred payments and I only had 60 day deferred payments. They said I need to miss one more payment to qualify and I should miss XXXX payment to qualify. I missed the XXXX payment as advised. 

I was then contacted this week, XX/XX/XXXX, and told I do not qualify for the loan modification I signed in XX/XX/XXXX because GNMA is not offering it any longer. They said I must enter into a new loan modification and will need to make 3 more consecutive payments to qualify. 

I have called WF numerous times to complain and explain my situation over and over but most times the representative on the phone transfers me and/or does not know how to help. 

What can I do now?
Consumer complaint received 2021-06-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America made a Typo in my SSN number entry that led to incorrect SSN number update in XXXX XXXX and XXXX records. 

This further caused issue in my Federal Refund that is now delayed, IRS issued letter XXXX which requires me to verify my id on XXXX that uses XXXX for reference and the online ID verifications are failing. 

I suspected and then got the typo in my SSN corrected at Bank of America on XXXX XXXX, and also raised individual dispute cases with XXXX XXXX & XXXX , however my SSN data have still not been corrected. XXXX XXXX dispute notification now incorrectly states 'The issue date of Social Security number that you gave us when you contacted us is not verified by the Social Security Administration ', while infact they did not ask me for this information during my phone call with them, and the documents that I have uploaded for them are scanned copies of my original SSN card, W2 and my license. 

I am now unsure if it is a BoFA problem or XXXX, and they are making me go pillar to post without taking full accountability to correct my personal information in their records.
Consumer complaint received 2022-12-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In accordance to the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-06-14
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: Continental Services Group, Inc. d/b/a ConServe (TX)

ConServe Accounts Receivable Management is reporting an account to consumer reporting agencies and in doing so they are in violation of 15 U.S. Code 6802 ( b ) ( 1 ) which states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity as mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) nor an explanation of how to exercise the non-disclosure option mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) in order to not have a personal account reported to consumer reporting agencies. This account should be removed from all consumer reporting agencies pursuant to 15 U.S.Code 6802 ( b ) ( 1 ) ( B ), and 15 U.S. Code 6802 ( b ) ( 1 ) ( C ).
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

I requested an update on XX/XX/2021 as to how much additional spend I needed to make on my XXXX card prior to the end of the year to earn a free night award. I was told as of that date I need to spend {$910.00} to reach {$15000.00} in spending. I spent {$1600.00} net of returns. When the free night did not post I sent a secure message to Chase and have been told multiple different excuses, including on XX/XX/XXXX that I did not qualify since I had {$460.00} in refunds, XX/XX/XXXX that I did not meet the spending requirement with no explanation, on XX/XX/XXXX that I only spent {$12000.00}, and from the same representative on XX/XX/XXXX " I reviewed your previous correspondence, and the specialist indicated your approximate spend to earn the free night was {$910.00} in late XX/XX/2021. From the date that this correspondence was sent to you to XX/XX/2021 the spend was not met as there was a merchant credit that is not counted towards your spend. '' This is still incorrect as a simple review of my transaction shows, let alone the number of attempts and constantly changing answers from Chase.
Consumer complaint received 2022-07-06
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: American Credit Acceptance, LLC (FL)

In accordance with the Fair Credit Reporting Act AMERICAN CREDIT ACCEPT with account number XXXX has violated my rights : 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

The creditor hasn't mailed me anything to the address that's on my driver license that will be attached. Just looking over my credit report and I have several different address that don't belong on my report.
Consumer complaint received 2022-03-22
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: AMERICAN HONDA FINANCE CORP (SC)

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit.

U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report.

Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.
Consumer complaint received 2022-07-06
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 XXXXXXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MI)

I have XXXX accounts with Barclays. I made a electronic payment of {$3900.00} to the account Barclays XXXX Card on XX/XX/XXXX and it was applied to my account on XX/XX/XXXX. When I notified Barclays about the error with my other Barclays account with the missing payment I sent to them of {$3700.00} to be applied to my XXXX XXXX Barclays card and was forced to escalate the missing {$3700.00} payment they completed a balance transfer from my XXXX Card that had less than {$450.00} remaining, without my consent to complete a balance transfer or without notifying me. They transferred the {$3900.00} payment to the XXXX XXXX account and charged me a balance transfer fee and additional adjusted interest payments. My new balance for a card that was almost paid to zero is now over {$4500.00}. My account they transferred the money to now has a negative balance of over {$3400.00}. 

I have called numerous times and nothing is being done to correct this issue.
Consumer complaint received 2021-03-10
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: I.C. System, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : AT T ) XXXX ... I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX ... I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-12-03
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)

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXXXXXX XXXX  XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

I believe Coinbase is trying to defraud me and steal my digital assets. I have given them opportunity to correct this issue for about 4 months and they have failed to do so.

Re : Case # XXXX - Re : DO NOT CLOSE Ticket # XXXX It has Not Been resolved! - Buy/Sell Account and Send/Receive Disabled for more than 2 months with Zero Support from CB - Just ROBO auto responders XX/XX/2021, Ticket # XXXX was opened with Coinbase for Complaint of locking me out of features on my account. My assets amounted to about $ XXXX. Since then Coinbase disabled features on my account Buy/Sell as well as Send/Receive.Coinbase gave no viable reasons. I have repeatedly created tickets and got no help from Coinbase just the same Robo message that someone will contact me in 5 business days but its a lie!!!! 
On XX/XX/XXXX, they closed out ticket # XXXX and claimed they had resolved problem which was a lie I checked my account and the problem was not resolved. I reopened Ticket # XXXX and reiterated that they hadnt resolved my problem and to keep the previous ticket # XXXX opened. 
On the subject date of XX/XX/2021, I had added a new card payment ; my bank completed a purchase transaction into Coinbase account and Coinbase debited my account for the purchase - I have attachments to prove this. I then further investigated with my bank on XX/XX/XXXX and they confirmed that my bank 's customers have been experiencing a lot of payment issues with the Coinbase platformCoinbase isnt synching their security payment confirmation system with the banks. That is no fault of mine as a CB platform user! CB gave no reason why they are removing me off its platform, CB has prevented me access to my assets and from utilizing my assets to capitalize on investment opportunities for more than 4 months! CB has caused me emotional and financial stress. I can't transfer my assets or even withdraw to my bank ; CB enabled only Coinbase Vault account to force me to deposit into their custody account. 
Then funny enough and miraculously on XX/XX/XXXX they advised me to update my card that was expiring ; I did and their system won't confirm the 2 deposits they sent into my account!!! It just said Card verify failed. My identity has been verified multiple times and Okd by Coinbase. On XX/XX/XXXX, Coinbase sends me My account has been verified and I can now invest BUT it's still the same thing, My Buy.Sell as well as Send.Receive buttons are still disabled. COINBASE PLEASE ENABLE MY FEATURES SO I CAN ACCESS MY FUNDS!!!!!! I NEED TO GET THIS PROBLEM RESOLVED AND PROPERLY COMPENSATED FOR LOSS OF INCOME OPPORTUNITY.
Consumer complaint received 2022-03-22
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: WELLS FARGO & COMPANY (SC)

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit.

U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 
Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

My credit reports from XX/XX/2020 thru XX/XX/2020 showed a balance from XXXX XXXX of {$2900.00}. This account is very old and has been closed for many years. I look forward to it falling off my report due to age within the next 19 months. However, the creditor has committed fraud and is reporting a fraudulent balance in XX/XX/2020. My credit report is now showing a balance of {$4300.00}. Unfortunately, the creditor is not able to verify the balance and report it correctly. I've contacted the creditor many times for the past 2 years. For your reference, see attached letter from XXXX XXXX. This document shows that the creditor recorded a balance of {$2900.00}. This document conflicts with the information reported by XXXX XXXX to your credit bureau.