davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX an unauthorized access occurred to my online Wells Fargo bank account in order to add a phone number to my account. My email was being spam bombed to hide the email that was sent out stating a change was made. 

On XX/XX/XXXX a fraudulent wire recipient was set up and a fraudulent wire was done for {$4500.00} around XXXX XXXX  EST. Again my email was being bombarded with spam to hide this activity. However, this time I saw the email notifications shortly after this fraudulent activity occurred and called Wells Fargo. It took me 40 Mins to get in touch with someone who could freeze my account and was unable to get my funds back. 

I filed a claim with the bank as I did not authorize this activity. After speaking with a claim handler who verbally told me on the phone it was a clear cut case of fraud and they were going to recommend I be reimbursed, a manager reversed that decision and denied my claim. I escalated to the Manger of that department who reviewed my claim and Wells Fargo is claiming my " device id '' was the one that performed this activity so they can not reimburse me. 

The device they said performed these actions was my work laptop. I opened a ticket with my work IT who performed a scrub of my pc and said there was no malware and they also could provide logs showing my pc was not turned on when the unauthorized phone number was added on XXXX and I was not accessing the Wells Fargo proxy server on XX/XX/XXXX when the wire activity occurred. I informed Wells Fargo of this and I was told by the claim handlers manager that because their logs show my " device id '' They won't reimburse. They also refused to share their logs with me so I could have my IT department refute their " evidence ''. 

I can't even defend myself and the proof I have this activity was not performed by me does not matter to Wells Fargo. I've closed both my savings and checking accounts with Wells Fargo and had them open new accounts to avoid further exposure. I've filed a police report. I've notified the credit bureaud to flag my account as a victim of fraud. I've changed all my online credentials. I've done everything I can and have clear evidence I am a victim but I am being treated as a criminal by Wells Fargo. 

This is the most horrific customer service experience I've ever had. All I want is to be reimbursed for something I had no involvement in.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (PA)

US BANK RELIACARD HAS PLACED A HOLD MY GOVERNMENT ISSUED DEBIT CARD ( PUA BENEFITS. ) DUE TO A ADDRESS CHANGE. MY CLAIM WAS PROCESSED IN XXXX AND I HAVE BEEN TRYING TO VERIFY MY CORRECT ADDRESS TO HAVE A REPLACEMENT CARD ISSUED. I HAVE FAXED ALL THE REQUIRED DOCUMENTS OVER 5 TIMES AND EVEN VERIFIED MY IDENTITY ON THEIR WEBSITE. BUT CONSTANTLY TOLD MY DOCUMENTS ARE DENIED. IT HAS BEEN 6 MONTHS AND I HAVE NO ACCESS TO MY BENEFITS. I HAVE CALLED, EMAILED FOR OVER 4 MONTHS AND RECEIVE NO ASSISTANCE JUST THE RUN AROUND. I AM UNEMPLOYED DUE TO THE PANDEMIC AND HAVE NO INCOME AND REALLY NEED MY BENEFITS THAT THEY ARE REFUSING TO RELEASE. THEY KEEP ASKING FOR MORE DOCUMENTATION THEY EVEN REQUESTED MY SS CARD AND TAX DOCUMENTS FOR AN ADDRESS CHANGE WHEN I HAVE PROVIDED MY STATE ISSUED IDENTIFICATION CARD ON SEVERAL DIFFERENT OCCASIONS. PLEASE HELP I HAVE EXHAUSTED ALL MY OPTIONS WITH NO RESOLVE.
Consumer complaint received 2021-06-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (SC)

Received a loan from company in 2014 for about {$11000.00} on a used vehicle. Paid quite a few payments and the balance barely budge still at about a little over {$9000.00}. Company will not budge on fair resolution of the situation. This loan has been a nightmare and Im just may have to file for bankruptcy. Santander is a preditory lender who uses illegal practices and that my loan is now in litigation for the State of South Carolina this account should be permanently deleted from reporting as negativity. Please remove per. Attorney General XXXX XXXX.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 I was scammed out of {$1000.00} for an online purchase. I reached out to my bank Wells Fargo to dispute the charges. I was told that a claim was open, I should be receiving my money back into my account and someone from Wells Fargo should be contacting me within 7 to 10 days. No one ever contacted me. I called back and Wells Fargo said I should be receiving something in the mail. I never received anything in the mail from Wells Fargo. I called back to Wells Fargo to get an update on the claim and was told to call back in a couple of days. I called back in a couple of days and was told there was no claim on file and the process would have to start over. I was informed a claim was opened up, Wells Fargo would investigate and to call back and speak to someone in the advocate department. When I called back I was told someone would call me back and there would be a resolution by XX/XX/2020. I never received a call back from Wells Fargo and had to call Wells Fargo back. There is still no resolution to my claim and I am still getting the runaround for over a month from Wells Fargo. If you could please assist me in getting this matter resolved. Also, I filed an FBI Internet Crimes as well. My FBI report is for {$960.00} however the total amount taken from my account was {$1000.00}. Please let me know if you need any additional information. 

Wells Fargo Claim # XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Recently pulled my credit report and it contained addresses I've never lived XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Employers I have never worked for : XXXX, XXXX XXXX
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account number XXXX, Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number 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 I reviewed my Consumer Reports and noticed that I had two late payments on an account 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. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2020-12-11
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. (FL)

XXXX, Equifax and XXXX  failed to address my concerns in a timely manner. They are claiming that I am working with a credit repair company when I am a victim of identity theft. I need for all of these companies to comply with credit reporting act and comply. I am resubmitting my identity theft report along with my ID so that the changes can take place within 5 business days of this complaint. You are preventing me from employment because of the fraudulent information that's on my reports that you can not verify with any of my physical signatures.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: KEYCORP (MD)

I received a credit card in the mail from Key Bank that I never requested in any way. They were totally unable to explain why this would have occurred to my satisfaction. I think they 're opening " fake accounts '' in the same style as XXXX XXXX. I would like this investigated and to hold whoever is responsible for it accountable.
Consumer complaint received 2017-09-26
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)

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i  ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX, account number XXXX ; 8. ) XXXX XXXX, account number XXXX ; 9. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of  the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (OH)

To Whom It May Concern : The reason for my dispute is the following accounts : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX . I am unable to locate documentation that they complied with these requirements, which is a violation of the FCRA & FDCPA 609,623,611, Section 807 ( 11 ) & FDCPA 809. Under Sec. 809,  they failed to send me my initial communication before placing these alleged items on my credit reports ; further violating the FCRA, these above-mentioned companies are held liable as well for defamation and in the state of OHIO. I fail to see where any of these companies are in compliance with OHIO LAW. I also have reported these accounts to the FTC and XXXX Police Dept. I need these miscellaneous accounts to be removed from my credit report.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX ( XXXX ) has been inaccurately reporting myself as an authorized user for a credit card when I received confirmation on XX/XX/2021 that I had been removed. This fraudulent reporting has cost me hundreds if not thousands of dollars and negatively impacted all 3 of my credit scores.
Consumer complaint received 2022-04-26
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report on the previous files. I am a victim of identity theft and did not authorize these charges. I am asking that these charges on my report be removed to correct my credit report. I have already reported the theft to the Federal Trade Commission 's Identity Theft Affidavit. I would greatly appreciate that these charges are deleted from my report as soon as possible because it is hindering me. I would like to advance my lifestyle and I would need these things situated as soon as possible to do so.
Consumer complaint received 2021-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (FL)

The Debt is for A business that has been closed for years. I requested documentation showing where I am personally responsible, and the contract provided only shows the business information, and none of my personal information. i never gave them any of my personal information to get this account open. it was all done under the business.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

To Whom It May Concern : The reason for my dispute is the following accounts : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX . I am unable to locate documentation that they complied with these requirements, which is a violation of the FCRA & FDCPA 609,623,611, Section 807 ( 11 ) & FDCPA 809. Under Sec. 809,  they failed to send me my initial communication before placing these alleged items on my credit reports ; further violating the FCRA, these above-mentioned companies are held liable as well for defamation and in the state of OHIO. I fail to see where any of these companies are in compliance with OHIO LAW. I also have reported these accounts to the FTC and XXXX Police Dept. I  need these miscellaneous accounts to be removed from my credit report.
Consumer complaint received 2020-12-11
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)

XXXX, XXXX  and Transunion failed to address my concerns in a timely manner. They are claiming that I am working with a credit repair company when I am a victim of identity theft. I need for all of these companies to comply with credit reporting act and comply. I am resubmitting my identity theft report along with my ID so that the changes can take place within 5 business days of this complaint. You are preventing me from employment because of the fraudulent information that's on my reports that you can not verify with any of my physical signatures.
Consumer complaint received 2017-12-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

I have received no help from my services center ; nothing but lies, I asked for a forbearance during the disaster of hurricane Irma and was told I was on one : now I attempt to reach them for 2 weeks requesting a call back via IVR but no response To ask for an extension due to my home is still damage due to the impact This has been the most horrible experience I need help
Consumer complaint received 2023-03-26
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

I am a small business owner. I used PayPal as my on-line point-of-sale. In XXXX, they froze my account with my money in it ( {$21000.00} XXXX with no notice or explanation. When I inquired, they could not explain why the account was frozen, but said my money would be released in six months. No details were given despite my persistent questioning and I was not requested to provide any documentation Six months later ( XX/XX/21 ) I called to check on the status. The {$21000.00} in the account had been transferred out, directly into PayPals corporate offices account. They could give me no details as to why this money was being taken from me, will not provide documentation to explain my apparent fault, and will not provide a supervisor to elevate my inquiry to, or refer me to any department to pursue this. They will not provide a ticket number to pursue this as they say the case is closed. Their only statement is that I am in breach of their user agreement, and that this situation typically involves drugs, nudity or weapons. As a respectable business woman, I am horrified at these accusations. 

I am a XXXX XXXX ( XXXX XXXX. ) and have my practice in XXXX XXXX. My clients refill their recommended supplements through my on-line store and thus PayPal. These supplements are from professional line manufacturers, and as such are high quality. This also means that they require my store to be password protected so that only my clients can purchase them. Each of these clients I know personally The {$21000.00} they have taken from me came to me as many small purchase transactions from my clients. I had been using PayPal as a payment gateway for many years, without a single chargeback or complaint. 

I have repeatedly called them with no success I have filed a complaint with the XXXX  and California Attorney General XXXX am in the process of writing my Congressman & the CEO of PayPal In my research, I see that this situation has happened to many others for many years, and most fail to get their money back. I believe this is an injustice on the part of PayPal that needs to be resolved not only for me but for other customers. I do not know of any other business that can just take your money without due process, providing documentation, or at least a verbal explanation as to why, with no opportunity to correct their information and the issue.
Consumer complaint received 2023-03-26
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-26
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report on the previous files. I am a victim of identity theft and did not authorize these charges. I am asking that these charges on my report be removed to correct my credit report. I have already reported the theft to the Federal Trade Commission 's Identity Theft Affidavit. I would greatly appreciate that these charges are deleted from my report as soon as possible because it is hindering me. I would like to advance my lifestyle and I would need these things situated as soon as possible to do so.
Consumer complaint received 2021-06-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (TX)

I was trying to buy {XXXX} worth of Bitcoin from Coinbase. I was charged three times for the Bitcoin so roughly around XXXX {XXXX}. I have not received any of the cryptocurrency but have been charged. The part that is odd to me, is that my three transactions do not show up on my recent history when on the Coinbase application. I have read online there are others with a similar story. I have contacted Coinbase but havent heard back from them since I filed a complaint with them on Thursday. I want the cryptocurrency or my money back ASAP. Thank you!