davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (GA)

I purchased a {$100.00} XXXX XXXX gift card in XXXX of XXXX. I put the card away and went to use it in XXXX of this year. The card is still brand new in the package and the associate at the register opened the card. This is when I found out the card had been used in XXXX of this year by someone with the last name XXXX out in California. I called XXXX XXXX and told them about this and they informed me to send in a fax to dispute this transaction. I faxed them on XXXX XXXX which showed the card in my possession. I faxed them again on XXXX XXXX from my job. I faxed them again on XXXX XXXX. I called them on today to find out what is going on with the resolution and was told that it was denied because it was outside of the time frame. I got really upset and disgusted when she told me to send in a letter of reconsideration because this happens all the time when someone buys a gift card or is given a gift card and go to use it and find out that it is empty. When she said it happens all the time is when I said to her why should send in a letter of reconsideration if you know this happens all the time. They know that I am in Georgia and that the transaction was done by someone without my name in California. I do n't know what to do at this point. It 's like I have just lost {$100.00} of my hard earned money.
Consumer complaint received 2022-02-19
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: EQUIFAX, INC. (OH)

I have been a victim of identity theft. My information was involved in the Equifax Data Breach and I have a number of fraudulent inquiries on my report that I need removed immediately. This is my written consent to remove the fraudulent inquiries/accounts. The accounts are unauthorized and I received no benefit from the accounts.
Consumer complaint received 2015-11-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MO)

On XXXX/XXXX/2010 I, purchased a new construction home through HUD First-Time buyer program. Wells Fargo Home Mortgage originated by mortgage documents for HUD. 
After closing I had discovered the home was never inspected during any phase of construction. The building permit was not valid, and the certificate of occupancy should have never been issued without inspection reports. The Builder 's Certification of Plans, Specification, & Site form was also fabricated. The individual who signed as a member of XXXX Properties is NOT a managing member. A building permit was never sent to the XXXX County Assessment Department, which is also required. HUD requires the lender to report allegations of fraud to the HUD XXXX office for further processing, but Wells Fargo has never reported anything to HUD XXXX. I kept trying to reach Wells Fargo the day after closing, but never received any reply. A few months later I receive a letter from Wells Fargo stating my mortgage had been sold, and XXXX Bank would be servicing my mortgage. 
Wells Fargo never addressed the allegation 's of fraud, and sold the mortgage to clean their hands of it. Wells Fargo would send letters stating they could not help with the issues, but under law they are suppose to refer the complaint to HUD XXXX. Wells Fargo, and XXXX Bank have continuously denied the alleged fraud. I have received form letters from both institutions denying fraud had accrued during origination. At the end of the day Wells Fargo, and XXXX Bank are defrauding XXXX XXXX, HUD, and I. All correspondences to my home were fabricated , XXXX does not exist, XXXX Properties Registered Agent has filed a statement with Attorney General XXXX XXXX 's office " XXXX Properties did not build the home, or receive payment for the purchase of the home, and has no documentation regarding the sale of the home '' Wells Fargo 's underwriters failed to comply with HUD property requirements. The City of XXXX XXXX terminated the employment of Public Works Director, and City Clerk for fabricating documents to my home, how is that not PROOF?
Consumer complaint received 2018-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (FL)

I have no idea who AR Resources is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AR Resources is indicating that an account with the account number XXXX  was opened with their company in XX/XX/XXXX and account number XXXX  was opened in XX/XX/XXXX. I never opened accounts with them or anybody else. These accounts must be a result of identity theft or someone opening accounts in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AR Resources as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AR Resources } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AR Resources, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2022-02-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I was trying to pull my credit report, and it no shows that it can not be calculated. just last week I had a credit score. The company is playing games that are causing mental and emotional stress. I was also notified by the XXXX that they was unable to pull my report, but just last week I had a credit score. It is labeled Exhibit 6 in my court documents. I demand that the company furnish the supporting documents and probable evidence that I have a obligation to the accounts that I disputed. This whole situation is bad and this company is willfully negligent in rectifying my affairs and defaming my character.
Consumer complaint received 2015-08-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (MO)

I went to a Wells Fargo ATM on Tuesday XXXX XXXX to deposit cash and a check into my account to cover expenses, after inputting my card and pin, the ATM said it was not taking deposits. 

I then traveled to another Wells Fargo branch and ATM only to have the same problem there. 

The next day ( XXXX ), same exact problem, at both branches ATM 's. The following day ( XXXX ) after work, I tried again, after dropping off my rent check which I knew would go through right away. This time I was able to deposit at the ATM, however, Wells Fargo still gave me overdraft fees on XXXX before they posted my check going through on XXXX even though I deposited it on XXXX. 

I called Wells Fargo and they would not discharge the fees because it was n't a bank error, and told me it was my responsibility to inform them if the ATM is not working and that they had no record of me attempting my deposits on XXXX or XXXX, only the deposit I finally made on XXXX, but that because my deposit would n't go through until XXXX, they would not waive my overdraft fees. 

I do n't understand how they would have no record of my first XXXX attempts over 2 days to make my deposit at XXXX different ATM machines when I had to input my pin at those machines, plus I know I am on camera standing there at the machines. 

Why is it my responsibility to inform them their ATM 's are n't working for 2 days when they are attached to the bank? 

Contacting customer service was absolutely no help since they claimed that they have no proof that I attempted to deposit or even visited these ATM 's on XXXX or XXXX - despite me mentioning that I am on camera at those ATM 's and they accepted my card and pin before telling me they could n't take a deposit. 

If I input my card and pin at those locations, and I 'm on camera, how is there no record of me being there? Also, this is not a bank error? And why am I suppose to inform them their ATM does n't work? 

Not to mention after I did make my deposit, they still charged me overdraft fees because they posted those first before my actual deposit.
Consumer complaint received 2020-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Hi, I would like for you to extended my bill payments for my capital one quick silver credit card and my plantinum capital one credit card company. 

By requesting a bill payments waiver program. To help me pay my bills. 



Thank you, Sincerely, Bye
Consumer complaint received 2022-08-10
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please be notified that this is now my multiple warning that I fully propose to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-28
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. (OH)

So this is my 5th or 6th asking TransUnion to launch a dispute regarding a few negtive items on my credit report. There has been no sense of urgency to resolve the matter. The dispute results are being verifired as accurate, but I have not been provided with ant documentation of accuracy. Which is a violation of my FCRA rights. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. I do not want results as verifired as accurate I want proof ( which you should have ).
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

I have been trying to obtain a copy of my credit report for years to no avail. They ask you a list of questions, and if they have the incorrect information, they deny you a credit report. The information that they have is incorrect and I know why it is incorrect. The problem is that even if the information is incorrect, there is no one to speak to about it. When you call, you receive an automated voice message telling you to send personal information through the mail. I was just ripped off by the postal service last year. Out of XXXX boxes, the only XXXX that were missing were the insured boxes. They stole XXXX books that were supposedly insured. When I submitted a claim for them, I was denied any compensation, nor did I ever recover any of my books. I was not even compensated for over XXXX dollars in postage. And they want me to send my personal information to them through the mail! I would like the free copy of my credit report that I am told I am entitled to. How can I dispute anything on the report if I ca n't even see the report? The whole process is asinine.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (NY)

I sent letters out with two different credit agencies. XXXX XXXX Equifax. How ever its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S.C. 1681 Procedure in case of disputed accuracy If the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by consumers and the consumer notifies the agency directly or indirectly through reseller. Of such disputes the agency shall free of charge conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of disputed information or delete the item from the file in accordance with paragraph before the end of the 30 day period beginning on the date which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Ive submitted this complaint several times CFPB & EXPERIAN, XXXX and XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & EXPERIAN, XXXX and XXXX with FTC Fraudulent report support my position. It seems EXPERIAN, XXXX and XXXX are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the following accounts/inquiries removed/blocked per 605b with the attached documents again. Thank you ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX and XXXX  XXXX Bankruptcy Reference # : XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2022-02-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE ()

Dear sirs. 
I need your kind support for the below issue. 
I already sent emails calling every days. 
But still I didn't get my money. 
Today I called the name of person is XXXX XXXX. 
XXXX XXXX XXXX. 

Id. XXXX. 

Mob. XXXX stn. XXXX Ticket # XXXX sent date. XXXX. 

Sent by XXXX XXXX Status. Not receeived yet.
Consumer complaint received 2020-06-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}, {$7000.00}, {$7100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account.
Consumer complaint received 2015-08-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (MO)

I have banked with BMO Harris Bank for XXXX years. As a XXXX we get a lump of XXXX paychecks that are deposited in XXXX to cover our XXXX. I has addressed this with BMO and I was assured that I would not be charged the {$10.00} monthly fee for no direct deposit. They continued to ping my account, which caused it to go into the negative. I have recently married and due to merging accounts at my husbands bank I was keeping things at a bare minimum. I did however get student loan deposits into that account, so actually I did have direct deposits into the account. The banker at the XXXX XXXX, MO office assured me that it would all be taken care of, because between the XXXX months there was a total amount of overdraft fees and XXXX fees that totaled XXXX dollars. I was told they would fix it all and to not worry. Everyday that they were " working '' on it they pinged me with a XXXX fee. They total amount they took is now over XXXX and they closed my account. The lack of communication ( I was told I was busy,, do n't worry I 'll get to it tomorrow ) has now led to my account being upside down, when it should not have been and they have taken advantage of a situation that was their fault. I am a XXXX with XXXX sons who is in a XXXX at the beginning of the year. I expect my bank to be better organized and when I 'm told they will fix the problem they created I expect it to be fixed.