davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items listed on my credit report. Upon reviewing my credit report, I noticed two negative items that require immediate attention. 

Firstly, I found an inquiry by XXXX XXXX , XXXX on XX/XX/XXXX, which was not authorized by me. I have no recollection of authorizing this credit pull, and therefore, I demand that it be removed from my credit report immediately. 

Secondly, I noticed an account listed under the name of XXXXXXXX XXXX XXXX XXXX XXXX XXXX with an account number of XXXX. I do not recognize this account and kindly request that you investigate whether it belongs to me. If it does not belong to me, please delete it from my credit report. 

I understand the importance of maintaining a good credit score and I am taking the necessary steps to resolve these issues as soon as possible. I would appreciate your prompt attention to these matters and the removal of these negative items from my credit report. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: N26 Inc. (NJ)

I contacted N26 in XX/XX/XXXX to inform them that my brother, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am XXXX XXXX and I am the administrator of his estate. After a month of waiting, I received an email in XX/XX/XXXX indicating that the bank was directing my request to the appropriate area. From XX/XX/XXXX until XX/XX/XXXX, I have had a lot of back and forth via email with this bank about closing my brother 's account ( see attached emails ). I have sent the requested paperwork but the response has been slow. I get emails indicating that because the bank no longer operates in the USA that the closure process takes a lot of time. I have been waiting and waiting, and have sent emails periodically asking for the status. I got emails saying that they mailed letters to me regarding my brother 's account, but I never got them. They finally sent some bank statements to me, but not the check. The bank informed me that they had sent a check to my brother 's last known address but it was never cashed. That was six months later in XX/XX/XXXX. I sent new instructions on XX/XX/XXXX and asked for an email confirmation that the documents were received. Now I am getting emails from the bank with a rude tone suggesting that I am contacting them too much! I started this in XX/XX/XXXX and still do not have my brother 's funds. The bank first stated that they could send a check, and then XXXX weeks later they tell they can't send a check. They want to deposit the funds via XXXX but didn't send the specific information that they needed from me. At this point, I must make a complaint because this bank is giving me a lot of attitudes now. I have given this bank plenty of time to close this situation out. Even though the are not in the XXXX, this matter involves their business when they were still operating here. I want to file a complaint about N26 because 1 ) they have not responded in a timely manner, 2 ) are still holding on to my brother 's funds, and 3 ) claiming the delay is because they are in XXXX, and 4 ) are now saying that I am now the reason for delay because I have sent emails to them. No way should be taking NINE MONTHS to get {$120.00} back from these people. Please see the attached emails. Accounts that are held in the name of a deceased party should be handled in a timely manner. I gave them full instructions on what to do, and they have asked me for the information TWICE. This situation is causing a lot of mental distress, and the fact that their representative is emailing me from XXXX, after XXXX months of waiting ... is a bit ridiculous for a financial institution. It does not appear that they are operating ethically with this USA-based account.
Consumer complaint received 2020-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I was contacted by XXXX XXXX XXXX about a doctor bill I told them I wasnt seen there on that date. They said my grandson name i said he is grown XXXX and i am not responsible for his Bill 's. He moved out my house at XXXX. They put his bill on my credit report. I disputed it and they came back and said it was my debt. He is own his own and grown and I am not responsible for his bill. He has no XXXX and he is a grown working man. I am upset that this collection is on my credit when clearly I wasnt seen on this day nor was I present with him.
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

Using the Wells Fargo XXXX online money transfer my father sent three transfers that were made to the wrong account due to the phone number being one digit off. I was the intended recipient. We completed the Wells Fargo claim process on XX/XX/XXXX  and learned that the money went to XXXX XXXX XXXXXXXX to the incorrectly input phone number. 

Our claim was denied on XX/XX/XXXX  stating the transfer was completed as requested. During this process we were told to contact the XXXX XXXX XXXXXXXX customer to retrieve the funds. This customer took the money and is not returning phone calls. 

1 ) We believe advising customer contact to a customer who knowingly took the money not intended for them is risky and ill advised. 

2 ) There are no controls to match the name with the phone number provided to XXXX. 

3 ) There was no support from XXXX XXXX XXXXXXXX to help rectify the error. 

We submitted another request for further review and reimbursement to the Wells Fargo Executive Office ( case number XXXX ) XXXX XX/XX/. This request was denied on XX/XX/ again stating the the transfer was completed as requested. 

XX/XX/ - {$1000.00} - claim XXXX XX/XX/ - {$1000.00} - claim XXXX XXXX XXXX {$250.00} - claim XXXX
Consumer complaint received 2021-02-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

I contacted Experian, XXXX  and XXXX to look into a Chapter XXXX Bankruptcy that was given to them. I filed a dispute because I believe that the U.S Bankruptcy court did not provide them with this information. Experian said " The Company that reported the information has certified to Experian that the information is accurate. '' The court was US BKPT CT MI  XXXX XXXX.
Consumer complaint received 2023-03-20
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. (IN)

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

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

15 USC 1681 Section 604 A Section 2 : It 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 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

( I C SYSTEM INC ) has been sending me collection notices in the amount of ( {$1700.00} ) The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I C SYSTEM INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number XXXX XX/XX/XXXX Balance {$1700.00} ( I C SYSTEM INC ) has been sending me collection notices in the amount of ( {$550.00} ) The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I C SYSTEM INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number XXXX XX/XX/XXXX Balance {$550.00} XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

I mailed a Sears credit card payoff XX/XX/XXXX. The check had my name and last 4 of my account on it. It was cashed and not applied. I called multiple times wondering where my payment was and why it had not been applied yet. Finally, I sent a copy of my cashed check and they said they found it and it would be backdated and applied. It is now XX/XX/19 and it says I am due for XXXXXXXX XXXX payment and it has still not been applied to my account. I received a letter that said it would be applied within 2 billing cycles. I should have a credit of over {$200.00}. This is completely unacceptable. She is looking at the check while I am on the phone with her and it was cashed a month ago and it is still showing up on my credit report that I owe over {$1100.00} when I should have a credit. She can not explain to me why it can take up to 3 months ( if you include the time it was cashed ) to apply this payment to my account.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Previously submitted letter to Transunion, no response. Filed complaint via CFPB, the case was closed out and advised to allow an additional 30-60 days to remove unauthorized inquiries and update personal information. Nothing has been done on the complaint and it was closed out, when it has been well over 30-45 days.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023 I was the victim of an Internet Fraud Scam. I believed that the people I was dealing with were from Chase Bank and XXXX. They informed me that my financial information had been compromised and that people involved in XXXX XXXXXXXX and gambling had already taken thousands of dollars from my accounts. They told me that the only way to handle this was to get encrypted accounts and that they would help me complete that. The scammers told me that the people who had taken my money were from Chase and therefore I needed to follow their instructions. I then wired {$38000.00} to to a person named XXXXXXXX XXXX at XXXX XXXX XXXXXXXX in XXXX, CA. When I got home, I realized that I had been the victim of a scam and I called the police. XXXXwo police officers came to my home. The police report that was sent to me Indicates that I am the victim of " PL 155 Larceny ; Larceny Petit by False Promise and PL 155.3501 Grand Larceny 3rd Degree, 23H Felony. '' On XX/XX/2023, a detective from the XXXX precinct in XXXX, NY called me to tell me that he was able to contact law enforcement in XXXX, CA and that the recipient 's account was able to be frozen, except for {$10.00}. Thus, {$37000.00} was on hold and did not get sent. He told me to work with Chase to get my money back. Since that date I have been working with Chase to resolve this. I was told by the Wire Department at Chase that if I got a Hold Harmless Letter from Claims at Chase, the money could be sent back to me. Claims at Chase is refusing to do the Hold Harmless Letter because they say I initiated the wire transfer. I contacted Complaint Escalation at Chase but with no success in getting Claims to submit the Hold Harmless Letter. I have tried to explain to Complaint Escalation and Claims that I am the Victim of a Crime, that my money is waiting for me, and all that is needed is this letter allowing XXXX XXXX XXXXXXXX to release the funds.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BMO Bank, N.A. (MN)

Bmo refused to open a dispute for 2 transactions on a credit card account for ach payments not authorized or made by me.

Review statement attached for details.
Consumer complaint received 2024-03-09
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)

See Attached Documents I have been montoring my credit reports due to multiple incedents of my information being included in several data breaches and my identity compromised over the last XXXX years the last one being XXXX and I have found many many inaccuracies added to my credit report and I have attempted to fix these issues through the dispute process and to no avail XXXX has not investigated my request or fix the inaccuracies I am requesting the CFPB to step in and demand these inaccuracies to be corrected immediately!
Consumer complaint received 2019-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (FL)

I applied for an apartment with a co-applicant we were denied try to contact the apartment complex via email telephone numerous times with no response. After 2 weeks I contacted my bank and asked if I could file a dispute explain to them what was going on and they said yes they would open an investigation after the investigation they refunded me the money for the application fee. 3 months later my co-applicant received a letter from a debt collection agency saying that he owed {$150.00}. I called the debt collection agency and they said that he was liable because he was a co-applicant for my XXXX Dollar application fee plus {$50.00} for the returned item from their Bank. I tried to explain to them that I had filed with my bank a claim and they investigated and said I had the right to receive my money back they were very rude and hung up.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (NJ)

In XX/XX/2018, I closed an American Express Account. I had been dealing with several issues of identity theft, related to my ex-husband 's theft of my credit cards and personal information. The bills for this card were not going to my address as a result of this. When I was alerted to the debt, I attempted to get the debt consolidated with XXXX XXXX XXXX, an organization I had been working with to pay off the debts accrued by my ex husband, in an effort to repair my credit. American Express made it very difficult to consolidate under this program, even though I was able to do this easily with my bank, which had recommended the program as a legitimate non-profit debt consolidation ( not forgiveness ) program. 

I spoke to an Amex representative and explained the situation to the individual on the phone, stating that I would pay off the debt in full, but that I wanted adverse information about the debt off my credit report, as I had not acquired the debt, nor had I received any indication the debt had been accrued, since the bills were not sent to my address. 

I agreed to a lump sum payoff under the understanding that this adverse information would be removed from my credit report. The cost was substantial to me, around {$10000.00}, but it was worth the price of fixing my credit and moving on from the debts accrued in my name. I was under the impression the individual I spoke with on the phone agreed to these terms. However, several months later, the adverse information is still on my credit report and, in fact, until last month, American Express was still reflecting that I had not paid the debt, though I had done so more than a year earlier. 

I am very distressed by this situation, as the identity theft has severely impacted my XXXXredit score and made it nearly impossible to move on from my divorce and find a new home for myself and my children. I would like this issue resolved, and for further advice on how to remove other negative items on my report that have been the result of identity theft.
Consumer complaint received 2018-11-08
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. (GA)

I need your help with Equifax, XXXX, XXXX  that is reporting bankruptcies and other accounts that are not mine. Please have them to prove where I filed bankruptcy and opened these accounts. I would like for the incorrect information to be removed from my report immediately. XXXX1. Bankruptcy : Discharged CH-XXXX Equifax : XXXX-XXXX-XX/XX/XXXX XXXX : XXXX   XXXX : XXXX.

2.XXXX XXXX Equifax : XXXX XXXX : XXXX   XXXX : XXXX.

3.XXXX XXXX Equifax : XXXX  XXXX : XXXX.

4.XXXX XXXX XXXX XXXX  : XXXX 5.Bankruptcy : Discharged CH-XXXX   Equifax : XXXX-XXXX-XX/XX/XXXX XXXX : XXXX XXXX : XXXX.
Consumer complaint received 2019-07-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (OR)

Approximately XX/XX/XXXX, I tried to use Transferwise to transfer funds of about {$150.00}, to a student in XXXX who is in his last year of college. I have been supporting him so that he can finish and get his degree in Mechanical Engineering. He and I have had an on-going friendship for over a year and I am comfortable with his truthfulness. I feel like I am his mom. We text on a regular basis, and he never has asked me for more than he absolutely needs. In fact, he does not ask at all ... I just send him a little money whenever I wish to help him out. I anticipate no longer needing to send him any money after he graduates in XXXX. I have no doubt he will be able to secure a job. 

Now, I find I can no longer send him any funds and this breaks my heart. There is also a XXXX year old boy in XXXX that is an orphan and lives is an orphanage in XXXX. I have been helping to pay his tuition for the past 2 years. He wishes to become a doctor. He is highly intelligent and I want to see his dreams fulfilled. I am so proud of this teen. 

But, I am barred from sending him any money also. This is not right. The funds are MY money. I don't need the government to " save '' me from myself. 

I am not, nor are the people I support in XXXX, money laundering. I have vetted these young people and am comfortable with their truthfulness. I am extremely careful with whom I make friends with. I want to be able to send them funds for as long as its needed, or at least until they have finished their educations. 

I am requesting your help in this matter. 

Thank you
Consumer complaint received 2019-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TN)

I informed and moved out of the apartment of the merchant in question, XXXX XXXX XXXX XXXX XXXX, FL, on XXXX, XXXX, that I had to break my lease because my contract with my employer ended on XXXX XXXX, XXXX. The manager stated that she would drop the early termination fee and that I would only owe the 60 days notice and other fees in relation to moving out.

1. The first invoice had all the fees including the early termination fee.

2. The second invoice had the corrected amount.

3. The third attachment illustrated that I paid XXXX XXXX in full. 

I have informed National Credit Systems every time they called in the final quarter of XXXX that I have paid XXXX XXXX in full and yet they persist in attempting to collect a non-existent debt. Finally, the last time they called in XXXX, I told them to quit calling me as they refuse to correct their records. 

Then National Credit Systems falsely accused me of being a deadbeat to the three credit bureaus. I was able to clear the matter with XXXX on XX/XX/XXXX ; but not with the other two.
Consumer complaint received 2019-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (VA)

MoneyLion Bank is operating a fraudulent rewards scheme where new customers are promised a promotion match on their initial direct deposit, but these matches never take place and the bank is arbitrarily refusing to honor the terms of the promotion. 

The " pave the way '' promotion operated by MoneyLion ( XXXX : //XXXX.XXXX.XXXX/XXXX/ ) promises a 17 % match on initial direct deposits - this match was not honored on my account even though promotion terms were met. Several comments on public forums seem to indicate that MoneyLion is refusing to honor the terms of the offer, based on arbitrary requirements ( see comment section here : https : XXXX ) I deposited {$3700.00} to my new MoneyLion account via direct deposit on XX/XX/2019. A second direct deposit of {$5000.00} was processed on XX/XX/2019. These direct deposits meet the offer terms and I should be awarded the 17 % bonus on the original direct deposit. 

I request that MoneyLion acknowledge the inaccuracy of their promotion terms, and provide appropriate remedy.
Consumer complaint received 2023-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Account - XXXX XXXXXXXX XXXX Amount : {$3100.00} This account is a validation made pursuant to the Fair Debt Collection Practices Act. This is a violation against the fair credit reporting act by the agent reporting fraudulent information. I have requested that the following information be sent to me in writing but no proof received .Agreement with your client that grants you the authority to collect on this alleged debt .Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Verification that this debt was assigned or sold to collector. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.