davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo wants you to believe, these unauthorized accounts are a matter of small dollar, random transfers of 10,15, 20 or so dollars between authorized and unauthorized accounts. This is grossly inaccurate. In our case, Wells Fargo opened a plethora of unauthorized checking, savings and credit cards accounts in the name of me, my husband and our businesses. Like peeling back an onion, it has taken an extraordinary amount of time and resources to discover these fraudulent accounts because Wells Fargo refused to provide a copy of the documents associated with these accounts. Wells Fargo, the organization, while simultaneously covering up their own liabilities continue aiding and embedding the parties involved in the perpetration these crimes.

And, its not just the missing money additionally, every dollar moved, transferred, wired, withdrawn ( et.al ) has taxable liabilities associated with these transactions by and through these fraudulent accounts. Making matters worse, Wells Fargo is continuing the victimization of their customers by withholding documents related to unauthorized accounts, precluding Wells Fargo victims from gaining access to the information needed in order for the victims to understand the totality of their liabilities and damages suffered. In my case, Wells Fargo told me these documents were deleted and/or purged from the system ..keep in mind, these are not old accounts. 

In addition to withholding documents from their victims, Wells Fargo has failed to comply with the stipulated agreement between Wells Fargo and their victims, to make Wells Fargo 's customers whole as a result of Wells Fargo 's fraudulent acts. Wells Fargo is being grossly untruthful with the Senate Committee, as evidenced in XXXX 2017 Wells Fargo Senate Committee meeting. The public is also misinformed. Wells Fargos victims are misinformed. 

The victimization will continue in perpetuity without further intervention from our legislative leaders. Wells Fargo is misrepresenting the depth and breadth of there deceptive practices, the number of victims who have suffered, the totality the losses suffered by the victims of Wells Fargo. Wells Fargo is continuing to withhold documents in order for the victims of Wells Fargo, such as me and my family, can determine the totality of our losses and damages and liabilities. Our family and our businesses have been devastated as a direct result of Wells Fargo 's fraudulent acts in direct connection with the systematic siphoning of money our family, our not-for-profit and related businesses.Millions of dollars are missing as a direct result. Tax levies are looming Wells Fargo is not making it right as promised. Wells Fargo is making it worse.
Consumer complaint received 2017-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

On or about XX/XX/XXXX this collection agency was reporting as XXXX, I disputed this information as not my debt and the item was deleted from my XXXX report. This same information is reporting again in XXXX with Transworld Systems as XXXX, the information was reported again with the same collection information as the deleted information. Additionally, the collection agency never sent any written notification of this alleged debt.On or about XX/XX/XXXX, this agency confirmed to XXXX that this debt was valid.
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NH)

I opened an account with Coinbase last year and have been transacting in the account since. For no apparent reason I was asked this week to upload my drivers license ( Note : I had already done this when I first opened the account ). I have now been denied access to my account, despite multiple license uploads. They have not only given me no explanation for this, but have sent me texts to notify me that my account was now accessible, when it is not. I have been denied access to my funds and appear to have no recourse. Please help.
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NJ)

Citibank for security purposes made a maximum of {$50.00} for next day institutional transfer.. Which is ridiculous. They should verify with me, if the transfers are legit before making that desition on my money.. or at least notify me. 
I learned after a few transfers failed. 
I have transfferes being aborted resulting in me loosing money, fees, and potentially credit report implications.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was reviewing a copy of my credit report after the XXXX breach for accuracies. Noticed an account I did not recognize. I felt this account was in error so I wrote the company, attached is the response letter they sent to me. In the letter I attached a copy of my social security, id, and copy of my credit file. Per the letter the company was unable to locate my information and advised me to contact the reporting agencies to get the matter resolved. I contacted the agencies and they were unwilling to cooperate with my request even after i uploaded the letter online for them so they could view this letter. I have done everything in my power to follow the correct procedures to get this matter resolved, and yet as I type this the incorrect account continues to remain on my credit report. Thank you for taking your time to read this.
Consumer complaint received 2022-09-10
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. (NC)

In accordance with the Fair Credit Reporting act, XXXX  account # XXXX & XXXX, XXXX account XXXX XXXX, XXXX account # XXXX, XXXX & XXXXXXXX XXXX XXXX  account # 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.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I have been working with Caliber regarding a loan modification and have submitted all documents in a timely manner. Since XX/XX/XXXX, I have been submitting all documents on time and within a 3-5 day period to ensure there is no time gap in between. I feel it is completely unfair to now tell me on XX/XX/XXXX that the application can no longer be reviewed because the docs were not received 37 days prior to the sale scheduled for XX/XX/XXXX when on XX/XX/XXXX I was requested to send in documents and sent them in within 3 business days. Why even tell me to send in the documents if they were aware they could not review it? Hence wasting my time when I could be preparing for something else. Now I am worried again about the upcoming foreclosure and do not feel I have been provided with alternatives options to save my home. At this point in time, I do not nor have I ever had a designated point of contact through Caliber nor has anyone reached out to me when I became in default to provide options to save my home. I initiated contact and reached out to an attorney to find out my options and feel my rights are being violated.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (OH)

My account statement for a Chase Credit Card was due on XXXX XXXX in the amount of {$1700.00}. I processed the payment in full on XXXX XXXX XXXX day prior to the due date in the amount of {$1700.00}. The back of the statement states and I quote " If you pay your account in FULL each billing period by the due date and time due, NO INTEREST is charged on new purchases month to month ''. I call this evening and question why when I paid my account balance in full per my last statement was I charged {$25.00} interest. I was told that is the interest due from the XXXX of the month until such time I paid my balance on the XXXX. That is contradictory to the information listed on the back of their statement. He then proceeds to tell me that if I pay the new balance in full with the interest charge by the due date I will not be charged any further interest. That is exactly what I did last month but yet am charged interest. I am forwarding this information to legal counsel as well as it appears there is " double dipping '' occurring and they feel the consumer wo n't questions this. If a statement balance is paid in full by the due date it is paid in full. At this rate you would never pay the card off as they would continue to generate interest monthly unless you overpaid.
Consumer complaint received 2021-07-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MRS BPO, LLC (TX)

this is my third time reaching out to you all regarding this company and they continually to violate my rights. i reached out and did a complaint with the CFPB hoping that you all will see the evidence and step in but no i have got nothing. please refer to complaint # XXXX-XXXX  and PLEASE look at what i provided and ill attach there response which was ANOTHER violation at this point i don't know what i need to do for you all to see how disrespectful they are as they continue to do it over.
Consumer complaint received 2021-02-26
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: Consumer Adjustment Company Incorporated (GA)

Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Consumer Adjustment Company a request to block a fraudulent account that is being reported on my credit report. The request was sent via certified mail recorded delivery.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (PA)

I'm a traveling XXXX worker working XXXX and have been for a year. Self INC closed my account in XXXX of 2020 without notice. I was never notified, I called multiple times requesting to speak with a supervisor. I never received notification through the application on my phone. So I'm confused as to how they reported me 30 days late. Especially when I have XXXX setup. I have an email from a supervisor admitting they the close my account. At the time of closure my account wasn't past due. Matter of fact SELF owes me money in which I have yet receive. There hasn't been proper follow-up on this matter. I'm grossly upset regarding how they handled this situation. They have been very non chalant and down right rude at times. I was even told to open a new account. But the closed one was never properly handled or addressed. Communication is terrible.
Consumer complaint received 2017-08-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (ND)

This is in reference to a previous complaint # XXXX. Wells Fargo did not answer this complaint correctly. I made the payment on the XX/XX/XXXX on line. It said payment was due by XX/XX/XXXX. According to them, the billing cycle was not completed even though the payment said " due ''. They said I was late making the payment. I was not. The website said it was due. I made the payment. I called Wells Fargo two days ago and they still have not returned my call. There is a website problem and they have yet to address it.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

I received a letter the morning of XX/XX/22 from TD Bank stating TD beyond checking with visa card access account would be changing the limits on the account. To my knowledge I have never had a TD bank account or debit card with TD Bank. The letter does show a zero dollar beginning and ending balance. 
I called TD Bank at number ( XXXX ) XXXX and spoke to their fraud department and they said they would take care of the account. They also suggested I create a report on XXXX website reporting the possible fruad I am worried someone opened this account in my name with out my knowledge or permission.
Consumer complaint received 2018-01-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (TN)

I got a payday loan of {$100.00} in mid XXXX from XXXX XXXX I tried to tell them I lost my job due to some XXXX XXXX problems. And I am trying to get the money to pay it back. But need more time they said it is okay then the next day I got a call from the saying if I dont pay it back I will have a warrant for my arrest and will be picked up by the police the next day which has been a day already and no police. Then after that they had someone call and left a voice mail on my phone saying they where calling from a district general attorney office in XXXX so I looked up the person name and that person does not have a office in XXXX they have a office in another state and when I try to call that number back it says it is a non working number.
Consumer complaint received 2018-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation (GA)

On XX/XX/XXXX, I received a phone call from Western Finance of XXXX, Georgia, at XXXX. I told the representative that payment would not be made today, however, payment would be made on XX/XX/XXXX. The representative, XXXX, immediately hung up. Approximately two minutes later, XXXX called. She told me that it is my responsibility to pay my bills. After repeatedly asking if I could make the payment, and refusing to allow me to speak with the office manager, she too, hung up on me. I have done business with this company and never been responsible for a late payment. Due to medical reasons, which are documented, I needed to delay payment by 8 business days. I was talked to as though I am less than human, called repeatedly, and hung up on. These practices are unprofessional, as well as predatory. I would not recommend doing business with this company in the future.
Consumer complaint received 2020-05-05
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. (IN)

I'm filing an official complaint with the 3 major reporting companies, " Transunion, XXXX, and XXXX ", this complaint derives from not only me losing my wallet and important personal information, but due to the fact that I've been incarcerated for the past 8 years, only to be face to face with this nightmare of my identity being compromised. I'm respectfully and peacefully demanding that these unknown and unauthorized accounts be blocked and removed immediately from my credit file ( s ). Please remove the following # 1. XXXX XXXX XXXX  # 2.  XXXX XXXX XXXX # 3 XXXX XXXX # 4. XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # 6. XXXX XXXX XXXX # 7. XXXX  XXXX XXXX XXXX # 8.  XXXX XXXX # 9. XXXX XXXX XXXX
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (TX)

Velocity Investment is try misrepresent themselves has as XXXX XXXX in a law suit against me. I have found that the are not associated with XXXX XXXX. The are saying I owe {$20000.00} dollars from a depth they purchased. I never owed them XXXX XXXX {$20000.00} either, due me surrendering the car 6 years ago. Velocity couldnt even provide information on what this debt was for except it was from 2015. The statue of limitations in Texas is 4 years, the claims are over that. The have never velocity investments has never communicated with until send a notice for a law suit.
Consumer complaint received 2021-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM A VICTIM OF ID THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED THE FOLLOWING ACCOUNT IN MY NAME : XXXX XXXX XXXX # XXXX OPENED : XX/XX/2020 XXXX. XXXX
Consumer complaint received 2017-11-30
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. (SC)

I have submitted countless verification letters to Experian and XXXX in reference to medical accounts reporting on behalf of XXXX/ XXXX XXXX XXXX. Not only have they failed to comply in providing the requested verification documents ; once I followed up with a request of their method of verification Which allots them 15 days to respond .... this was failed on their end as well. They simply sent back notice if " verified ''. This is unacceptable and not in compliance according to the FCRA. Furthermore I have never released any if my medical information to this reporting third party ; so this may very well place these companies in violation of the HIPPA Act as well. I would like these accounts removed Immediately based on these violations.
Consumer complaint received 2017-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Im going thru extreme financial hardship and can hardly afford to put food on the table for my family, and Im going on unpaid XXXX XXXX XX/XX/XXXXand will have absolutely no income what so ever. Im trying my hardest to avoid bankruptcy but it is very hard as companies are unwilling to help people in need or in these situations. I have tried to settle with this company prior and it got me no where. Im hoping this will help and get this resolved, as Im trying my hardest to do what I can.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

As a summary, the following reasons to amend my credit report are supported by the appropriate Consumer Financial Protection Bureau U.S. Code of Title 15 On going written complaints, disputes and calls trying to clean up credit report. Have asked several times for verification. From XXXX with no response 1. Information is too old to be on a credit report. 2. The account payment history is incorrect. 3. Creditor agreed to delete account from the credit report. 4. Several addresses do not belong to me. 5. Incorrect status The statutes supporting my disputes are : I. USC 1681 a 4. Right to privacy II. USC 1681 a 2 Exclusions paragraph iii III. USC 1681 b e. False information IV. USC 1681 b Did not use a manner which is fair and equitable to the consumer in reporting negative allegations without permission. V. USC 1681 b a2 Need written permission. VI. USC 1681i ( 5 ) Removal of inaccurate/invalidated credit information. Please remove immediately. VII. USC 552a ( i ) ( 3 ). Failure to maintain any records with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness. VIII. USC 16812s-a Medical bills IX. USC 1692c. Consumer notification X. USC 1681a Charge off. Rules of construction. Paragraph 2 section iii XI. USC 1666B9 ( a ). Late Payments
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

This complaint involves XXXX XXXX XXXX XXXX Account XXXX. 
This account is found on my XXXX XXXX Credit Report. I am disputing the accuracy and legitimacy of this account charges. When these charges initially surfaced, I contacted XXXX and reported the charges fraudulent. The largest of the largest charges, I was able to track to a furniture store who provided me a copy of the signed document receipt. They provided information that an older female signed the invoice and the delivery address was not my address nor was it an address I had ever lived. I provided XXXX  this information and subsequently, I provided XXXX all local Police Reports, and Federal Identity Theft Task Force reports of the identity theft and fraudulent use of the card. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and XXXX XXXX have failed to do either. The other two credit bureaus, XXXX  and Experian have removed this account, with prejudice, from my credit report. 

A second matter is related to a bankruptcy, XXXX filed XX/XX/XXXX. The filing is subject to a mandatory removal XX/XX/XXXX. I have repeatedly disputed this reporting based upon the fact the bankruptcy court dismissed the case without any discharge and that all creditors were paid satisfactorily. While your position is that XXXX XXXX reserves the right and ability to report the information for ten years, you have no statutory obligation to do so. I continue to labor under the reporting of this bankruptcy and it has a major impact on my credit report and FICO Score. I am asking respectfully that you remove this bankruptcy from my credit report early and allow me to move forward in the current dire circumstance.