davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-12
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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (NY)

Hi, I was scammed a few years ago by someone online. It really hurt me mentally and financially. I actually went into a heavy XXXX. I was scammed by someone online in a gift card scam. The WELLS FARGO credit card was used for this scam. I am unable to access the account anymore. The company should still have my data and be able to see all my purchases. They are gift cards that I would have never bought for myself or anyone else. I was fooled and scammed into buying them. I am admitting that I was the one who bought those cards, but they were not used by me. I was a puppet for that person. He tricked me into buying those cards for him and he redeemed all of them digitally. I think they were XXXX  cards. It's been a few years, so I don't remember which company gift cards and the exact dates I got them. The bank statements should show those purchases and I might also have some useful pics, but not a guarantee to find them. 

I tried to talk with the bankers and told them about what happened. They said they will investigate and get back to me on it. No one got back to me and it's been over a year now! 

This has been hurting my credit score every month for so long. It's stopping me from being approved for a lot of things because my credit barely goes up. 

I will really appreciate it if you guys can help me with this, please.
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I booked a flight to XXXX with XXXX XXXX using XXXX from XX/XX/2018 XXXXXX/XX/2018. On booking the flight i inputted my passport number which clearly states that I am XXXX. I also paid for a business class which amounted to XXXX dollars and I paid an insurance fee of XXXX dollars for the flight. I paid for a business class because I was going to make money on my trip of approximately 9000 USD and also, because I wanted to be very comfortable as I am very XXXX. 

1 ) XXXX or the airline never told me that I needed any document to use XXXX XXXX even though they saw that I am a XXXX, through my passport information. I booked this flight a week ahead of the trip and they had every opportunity to tell me this so I could book another flight, but they said nothing and made me go ahead with the booking. 

2 ) On XXXX, I request for refundable flight before booking and XXXX XXXX and other flights came up. I chose XXXX XXXX as I did not see any information that I would be needing any document aside for my Passport and XXXX visa to  fly with them as stated on the XXXX site. 

3 ) Upon getting to the airport, When I tried to check in, XXXX XXXX began asking me for documents that they dint tell me I must have to fly with them ( XXXX ). I immediately tried to get one, but I was told i can not have one because I come from XXXX. So they refused boarding me amidst my plea that i had no idea about the XXXX, the opportunity I would be missing and my XXXX status. 

4 ) I called XXXX ( the site i booked from ), who got on the phone with XXXX XXXX Manager pleading with them to put me on the flight or transfer me to another flight where I would not need an XXXX, but they refused. So I immediately told XXXX to cancel and called XXXX XXXX for a refund. Even when they fully knew it was their fault that I was refused boarding, they refused to refund my money back. 

5 ) So I called Wells Fargo and disputed the transaction but they got back to me, claiming that the Airline says I never arrived for the flight and I was the one that booked the flight ( which was not my initial claim ) I suffered a lot that day, not only did I lost a lot of money from not going on the trip, but I also fell very sick because of the XXXX XXXX XXXX put me through and because of my XXXX status Thank you
Consumer complaint received 2022-03-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020
Consumer complaint received 2018-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

Lj Ross has attempted to collect a debt for a company in XXXX XXXX mi XXXX XXXX that is not my account. I contacted LJ Ross and asked them to investigate this debt through XXXX XXXX because I have NEVER lived in XXXX XXXX michigan. However LJ Ross proceeded to try and collect on this account and has now added it to my credit file.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have found several bad/unknown addresses on my credit report that do not belong to me. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address from my file they are not correct : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX, XXXX OH, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX My name is XXXX XXXX XXXX. 

Please delete the following names : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

On Tuesday, XX/XX/XXXX Wells Fargo bank received instructions from " XXXX XXXX XXXX, XXXX Field Office '' to freeze my business checking account due to an investigation. Note : I have no knowledge of any investigation to date, nor have I received any correspondence of such activity. 
I am in receipt of that letter, which states " You shall refuse access for a period of NOT MORE than three court days, including the day of delivery.. '' ( Letter is attached ) The letter was received XX/XX/XXXX ( Tuesday ) .. I, and my bank, have not received any other communication from that authority since the XXXX. Due to lack of further action, the bank was required to release my account 3 days after Tuesday ( including date of delivery-Tuesday ), which would have been Friday, XX/XX/XXXX. 
However, Wells Fargo has yet to release my account, they have been giving me the run-around since Friday, and are refusing to release the account due to " lack of approval to release the funds. 
I have reached out to an attorney who believes their actions, or lack thereof, is completely illegal. They have followed instruction and froze the account, but are not following the instructions to release it. 
I want to note : I have not been able to do any sort of business for over a week because of this. I can not make sales because the account is still frozen. Also, all the checks made out to my vendors last week have all bounced, and they are refusing to work with me until they get paid. 
I really need some help to cure this injustice. I have tried reaching out to the XXXX XXXX XXXX office in XXXX XXXX. The agent who answered the phone seemed confused and says they don't know what I am talking about. She repeatedly told me that the XXXX XXXX " does not freeze accounts.. they do not work those types of cases, that is not their jurisdiction ''. 

I have expenses to pay : store rent, employees, kids tuition, etc. 
Please help me resolve this ASAP!
Consumer complaint received 2017-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

false advertisement!!! Open a new account in late XXXX and got approved 2 days later with {$250.00} bonus confirmed in the email ( attached ). I met all the requirements for the signup bonus. Ive also sent in the signature form and waited the 45 days as they requested. Sent a message online via message center and told me that I will receive a response within 14 business days. However, now it has been 20 days, I havent gotten the bonus still and no mail at all. Account number XXXX
Consumer complaint received 2022-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC ()

I tried making a Gemini account, but I need a verified account in Gemini for crypto deposits and withdrawals from XXXX browser, but its been 2 months and my account still didn't get verified I have already shown much of my patience and not willing to wait further, so please help me get my gemini account verified as soon as possible
Consumer complaint received 2022-03-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We signed a Home Equity Line of Credit ( HELOC ) with Bank of America NA ( hereinafter BOFA ) on or about XX/XX/XXXX. Upon request in person at a BOFA branch and by telephone around XXXX XXXX, BOFA acknowledged that our Promissory Note was sold, but unable to identify the true buyer ( s ). In good faith belief, we assert that our loan had been securitized and bundled with other loans to sell as stock by BOFA. We seek from BOFA to verify who is the Rightful Owner/Holder In Due Course of our Promissory Note with a " Qualified Written Request '' for copies of all sales contracts, servicing agreements, assignments, allonges, transfers, indemnification agreements, recourse agreements and any agreement, including Power of Attorney issued by BOFA to XXXX XXXX XXXX XXXX if any, related to our loan from its inception to the current date.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, XXXX, and Experian with no success. They have refused to update information. Account to be removed : XXXX XXXX XXXX XXXX # : XXXX
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account XXXX, XXXX account number XXXX XXXX have all 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 an account without my written instructions
Consumer complaint received 2023-03-19
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified several inaccuracies that require your attention. The following are the details of the disputed items : The personal information listed on my credit report is incorrect. The previous addresses listed, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX are not accurate. This violates my rights under the FCRA to have accurate information on my credit report. 

Several credit inquiries, including those by XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, have reached the statute of limitation and should be removed from my credit report. This violates my rights under the FCRA to have only accurate and timely information on my credit report. 

The accounts listed with the account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have questionable names and numbers. I request that you either clarify this information for me or delete these accounts immediately from my credit report. This violates my rights under the FCRA to have accurate and complete information on my credit report. 

As per the FCRA, I request that you investigate these items and make the necessary corrections to my credit report within 30 days of receipt of this letter. Please inform me of the results of your investigation and the actions you have taken. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I RECEIVED NOTIFICATIONS OF NEW INQUIRIES ON MY ACCOUNT THAT I HAVE NOT AUTHORIZED OR EVEN HAVE A CLUE OF THE THEY ARE BUT THEY HAVE SHOWN UP AS INQUIRIES THESE ARE THE COMPANIES! 

XXXX XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX XXXX  You applied for a loan on XX/XX/2021 XXXXXXXX XXXX  You applied for a credit card on XX/XX/2021 XXXXXXXX XXXX You applied for a credit card on XX/XX/2021 XXXXXXXX XXXX  You applied for a credit card on XX/XX/2021 XXXXXXXX XXXX You applied for a credit card on XX/XX/2021 XXXXXXXX XXXX You applied for a credit card on XX/XX/2021 XXXX You applied for a loan on XX/XX/2021 XXXX Co You applied for XXXX credit card on XX/XX/2021 XXXX You applied for credit on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/2021 XXXX  You applied for a credit card on XX/XX/2021 XXXX
Consumer complaint received 2018-10-24
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)

Credit Card shows XXXX XXXX not my account my name is XXXX XXXX account doesn't belong to me. SS number and name doesn't match. SS Card number and name is XXXX XXXX. 

FTC report filed for two accounts XXXX XXXX XXXX and XXXX. Also inquires are not mines I have a fraud alert that one must contact me at number listed before credit is issues. I was also part of a breach
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-03-12
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: EQUIFAX, INC. (FL)

To Whom It May Concern : I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. 
Since I never gave permission for anyone to inquire about my Credit Status, they are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX SERVICES XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code , imprisoned for not more than 2 years, or both. 
This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-19
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. (NC)

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-24
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XX/XX/XXXX and in XX/XX/XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies XXXX, Transunion and XXXX. Any question can call XXXX XXXX XXXX at any time. More than a year ago you made the complaint by phone with the case number XXXX and I have not received a reply.
Consumer complaint received 2024-03-02
Product: Credit reporting 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. (FL)

Hard Inquiries : I wrote XXXX dispute letters also online dispute to all three credit bureaus in XXXX & XX/XX/XXXX in Temp to have them fix these errors or remove the entire inaccurately late payment of my credit file but it was a failed attempt, I reached out to CFPB to help me with this matter. 
I do not give any authorization to any creditor to run my credit nor was I looking for a credit card or loan. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As for late payment, this payment is current and has been a consumer report to update the information. 
XXXX XXXX XXXX. 
XX/XX/XXXX {$480.00} monthly Auto payments. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX, are currently on terms with the leasing agreement. 

XXXX : Account XXXX was paid in full.
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

i made 2 purchased from XXXX  each totaling XXXX.XXXX  charged my Amex card twice.My card showed charges of XXXX each and then one charge of XXXX which totals my original purchased.I contact both XXXX   and Amex and explained the issue.XXXX tells me that theres no hold and AMEX should fix the account issue.Amex refuses to address the issue and credit me the XXXX that has disappeared.I contacted them and they refused to help.