davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

XX/XX/23 - started talking to a breeder about adopting a kitten from them. Was told it would be {$1000.00} and that a deposit would need to be made. Discussed in length specifics about the health guarantee, videos/photos and even spoke to this breeder on the phone for confirmation. 

On XX/XX/23 - sent {$350.00} for a deposit for a XXXX kitten due to speaking with the breeder through XXXX linked to my Wells Fargo checking account. 

Everything was good to go for delivery of kitten on XX/XX/23. Breeder contacted me on XX/XX/23 and began acting very odd and demanded more money. Refused to pay more until delivery as previously discussed. Breeder began sending untraceable accounts for fake people to pay the final {$770.00}. These accounts were made through XXXX and XXXX. None of which, belonged to the name of the breeder.
Consumer complaint received 2023-01-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX : XXXX XXXX date : XX/XX/XXXX To whom it XXXX concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, XXXX XXXX negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting agencies : XXXX, XXXX, and TransUnion ) XXXX shall be sent to me immediately. 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$490.00} Closed XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed Fraudulent Inquiries XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I received a notice that a creditor had denied me because of a fraud alert on my equifax credit report. I talked with equifax and they say there is not fraud alert at all and i should be fine. I logged into my equifax account and it does show that i have an extended fraud alert on there. They still say i dont when i call. I need this to go away and the problem to be fixed. I guess htey can not see their own alerts.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (CA)

I found below inquiries on my credit report which are not associated with any of my open account, I did not authorized these inquiries to credit report. Hence these inquiries should be removed from my credit report : XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX XXXX ( XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (PA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021, in the early afternoon, I went to the XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX  branch of the Bank of America. My wife and I are purchasing a house and in order to sign the contract with the seller, we were to wire 10 % of the purchase price to the sellers ( {$72000.00} ). I met with XXXX XXXX. I gave XXXX the wire information and she gave me a Funds Transfer Request Authorization stating the wire had been sent. Later that evening I received an email from the attorney 's office stating that they never received the wire transfer. I spoke with Bank of America and I was told that they had put an urgent label on my wire. I also reached out to XXXX and was told that the wire would be sent later that night or first thing the next morning ( XX/XX/2021 ). 

Today ( XX/XX/2021 ), I received an email from the attorneys around XXXX XXXX XXXX stating that they still had not received the wires. I immediately called Bank of America customer service. After speaking to numerous people who couldn't provide me an answer or locate my {$72000.00}, I was told that the back office who is in charge of the wire transfer process has no phone number and no way of being reached out to. No one can tell me where my money is, when it will be sent, where it is and who is in charge of the process. XXXX and BofA were well aware that I needed that money sent yesterday to close on our first home. I need to know where my money is as we are in danger of losing this home purchase.
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY (VA)

To Whom It May Concern About two years ago, before XX/XX/2018 I changed my phone number from XXXX XXX XXXX to XXXX XXX XXXX. It seems that shortly after I received very frequent calls from what appeared to be debt XXXX asking for " XXXX XXXX  '' " XXXX XXXX XXXX '' " XXXX XXXX '' " XXXX XXXX  '' At one time I was able to trace back the number to American Express, and I had several conversations with American Express also in response to my Corporate Business Card. American Express confirmed there was some suspicious activity on my phone number and perhaps even my corporate credit card, so I swapped out the credit card for a new one with a new number. 

However, the calls asking for " XXXX XXXX '', or " XXXX XXXX '' did not stop and they came from different numbers, some did not reveal their identities and were unable to provide callback numbers. 

Further, I have now a confirmed report from my mother-in-law who lives in XXXX ( XXXX XXXX XXXX ), who I frequently send text messages to and call. She also got a call from someone requesting " XXXX XXXX XXXX '', and I am following up on this as well. So far I have not noticed any activity on my smartphone which suggests it was taken over by a hacker but I am considering a phone number change and a new phone if the problem continues, however this is a costly action to take. 

At this moment I have not experienced financial losses but it appears there are criminals hacking my contact list and/or trying to take over my smartphone.
Consumer complaint received 2023-01-28
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX {$270.00}
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (CA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX  Inquired on XX/XX/2022 2022
Consumer complaint received 2023-01-28
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. (AR)

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here : 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 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  Opened XX/XX/XXXX Balance {$420.00} XXXX XXXX, XXXX XXXX Opened XX/XX/XXXX Balance {$3100.00} IXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt.
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (FL)

Basic lee I had some one who had hacked into my navy federal credit Union on line access or profile multiple times. 

And I have tried the keep the person out and navy federal credit union had froze my on line access then said that it was beyond there risk acceptance. 

But I dont think that it was fair to me because they have issues keeping people out of there systems and keeping them secure. 

Then some one tried to take out a personal experience loan in my name. 

Then there was multiple devices on my account from the person who tried to access my accounts from navy federal credit Union.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Financial is committing securities fraud and will not credit my account. I was sent a payment coupon/security by Capital One, I endorsed the security/coupon for deposit into my Treasury Direct account for deposit and Capital One Financial reuses to follow instructions and deposit the security/coupon, according to UCC Article 9. Capital One Financial is making a fraudulent claim that I owe them for a debt that I discharged with a Form 1099-C that I sent to their CFO two months ago. Capital One Financial remains to report fraudulent information to XXXX and XXXX Credit Bureaus, and this is against the consumer protection laws. According to the bookkeeping entries of Capital One Financial involved in the extension of credit, did Capital One Financial lend their credit as adequate consideration in the credit agreement or contracts? Yes or No? Did Capital One Financial follow generally accepted accounting principles, GAAP? Yes or No? Capital One Financial is making false statements and damaging my credit worthiness for no reason. I demand Capital One provide where the extension of credit that they claim I owe comes from? I reserve my rights under UCC 1-308. According to Chap. 48, 48 Stat. 112 the debt they claim I owe is already satisfied.
Consumer complaint received 2020-11-12
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: Experian Information Solutions Inc. (FL)

Hi On XX/XX/2020 I have submitted a dispute against the credit bureaus to eliminate some erroneous accounts in my credit report, but so far I have not received any responses from them. I have sent letters month after month since XXXX and I still haven't received any responses. I need help to know the status of my disputes. 

I enclose the first round of letters sent to the bureaus.
Consumer complaint received 2023-01-28
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments and erroneous reporting on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Please fix these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-10
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. (VA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-09-17
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

I have a private student loan account with Navient. I have attempted to call on several occasions regarding my repayment. I had an issue a few years ago discharging my co signer, as we were getting a divorce, so I used my settlement to pay off one of the loans, since I was misinformed that I couldnt take him off as a cosigner. However I had another loan with them. I tried naking attempts to refinance since the onterest was so high and I went back to school and they kept encouraging forbearance and defferments. I have owed the same balance it feels like for years. XXXX. I used to make XXXX payements biweekly to every week depending on my funds. Instead of applying this to principle ... it went towards the next months bill and so on. I will be paying this loan for the rest of my life at this rate. I asked for help, they recommend forbearance. Ive tried to consolidate with my other loans but since it is a private loan I can not. I made an ontime pay.ent last month for XXXX as that was my monthly payment however this month XXXX is due. It seems that every month a different balance is due. I dont know what to do and I need help. I am drowning in student loan debt. And this debt is going no where. No matter what I do. The interest rate is horrible, 11.5 % which is why i tried making payments more frequently. I geel taken advantage of. Please help.
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HORIZON BANK (TN)

I took the Covid-19 related forebearance because my workplace was closed and I couldnt make payments. Since the forebearance ended Ive tried to communicate with my lender to do a loan modification to bring my mortgage current but they refuse to communicate with me. Ive sent all my documents 7 times but I keep getting letters saying they dont have my documents and no one will talk to me except to say they need my documents and they are threatening foreclosure but no one will talk to me or help me. They are asking for documents signed by my ex spouse that I have been divorced from for 25 years for XXXX XXXX reasons and he signed a quit claim deed in our divorce and I have no idea where he is.
Consumer complaint received 2020-05-15
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. (PA)

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX {$65.00} Opened XX/XX/XXXX XXXX XXXX  {$3700.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX XXXX {$1200.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX U.S. Bankruptcy Court Reported on XX/XX/XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a card I had to put XXXX $ on I had the card for 2 or 3 yrs I git it to boost my score XXXX keep it low so my utilization will be low if I do use a high amount I pay it right away away or two every time my score starts rising and I mean XXXX a fraudulent charge of XXXX to XXXX dollars always appear either its a straight XXXX something dollars or little purchases to equal up to XXXX or XXXX dollars no more then my score automatically drops XXXX or more points and once the credit card company fixes the problem the credit agencies XXXX, TRANSUNION,XXXX NEVER FIXES THEM BACK TO WHERE IT WAS BEFORE THE FRAUDULENT ACTIVITY STARTED this has happened constantly for the past XXXXyrs I have been trying to fix my credit this problem has kept me obtaining financial independence and this needs to be fixed and held accountable for hat they are doing and put things back the way it was so people can have the American dream and be rewarded for being financially responsible
Consumer complaint received 2023-01-28
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. (FL)

THIS ACCOUNT WAS REINSTATED WITH XXXX IN XX/XX/XXXX ( SEE EXHIBIT " A ) THIS AMOUNT OF {$39000.00} INCLUDED ALL AREARS, COSTS & FEES IN THE UNIVERSE ) AND XXXX PAYMENT. SINCE THEN, I HAVE MADE TEN 10 ) PAYMENTS REFLECTING XXXX, XXXX - XX/XX/XXXX ( SEE ATTACHED ITEMS 1-10 ). ACCORDINGLY, I AM NOT REPEAT NOT BEHING IN ANY PAYMENTS. 
I BELIEVE XXXX IS CHARGGING ME FOR FEES THAT FROM THE PRE FORECLOUSURE THAT WERE ALREADY INCLUDED IN THE REINSTSTEMENT AMOUNT LISTED AT ( EX. ( " A '' ). HOWEVER, THESE FFES ARE NOT MORTGAGE PAYMENTS AND CAN NOT BE REPORTED AS PAST DUE. 

FINALLY, THIS INCORRECT REPORT IS CAUSING ME LACK OF ACCESS TO CREDIT, CAUSING DUE HARM, MISSING FINANCIAL OPPORTUNITIES, EMOTIONAL DISTRESS.BE PUT ON NOTICE ACCORDINGLY.
Consumer complaint received 2022-04-05
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. (NJ)

XX/XX/XXXX I submitted a dispute of a XXXX account. That account was not mine, didnt have my legal name and had my grandfathers address. Its a mixed file and I havent gotten a response from XXXX or TransUnion. TransUnion dropped my credit score below 650. Every time I file a complaint about a credit agent my scores sinks