davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
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. (VA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$24000.00} US DEPT ED XXXX {$1300.00} US DEPT ED XXXX {$2300.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX ) XXXX XXXX XXXX {$400.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}
Consumer complaint received 2021-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (AZ)

Have a XXXX card that Wells Fargo funds. I have claimed chapter XXXX bankruptcy now it is final. they were notified from the court that the account was discharged. and they call everyday. XXXX isn't that harrassment?
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (HI)

Chase Bank has not honored the terms of its chase closing guarantee which guaranteed us {$2500.00} if the loan did not close on time, which it did not for us. We reviewed the terms of the guarantee, we are fully eligible and no ineligibility rules apply in this case. The entire loan process with them was tedious, frustrating and unpleasant, with the bank dragging its feet and making mistakes. My chase mortgage application was approved on XX/XX/21, Our purchase contract was submitted on XX/XX/21 with a 30 day closing. Because of Chase, the loan did not close on time. The closing did not happen until XX/XX/21. During the process All documents were promptly submitted by us when requested by the bank. Yet the bank was not diligent about responding to us or our real estate agent. There were many instances where we couldn't reach anybody at chase related to my loan and it seemed they were not even working on it. This complaint is specifically related to the closing guarantee but the issues we mentioned are to demonstrate that the late closing was their responsibility. Their response so far has been vague, unethical and evasive. They have not responded to our inquires at all.
Consumer complaint received 2021-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

-- -- -- -- -- -- -- -- Dear CFPB, I'm desperate for help. My family and I have suffered from a huge financial loss. 
From XX/XX/XXXX to XX/XX/XXXX, I transferred seven times totaling $ XXXXUSD from wire transfer from my XXXX XXXX Checking Account into Coinbase Bank ( Coinbase 's Bank is XXXX XXXX XXXX ) because I was scammed by a fraudulent platform, XXXX  ; Later, I learned that this was a scam. 

I fell for the scam because I thought that Coinbase is a very trustworthy company because of its great reputation. Therefore, I trusted Coinbase and gave in with all my life savings. Using the wallet transfer in Coinbase, I transferred all that money into a fraudulent platform ; Unexpectedly ( from the present perspective ), Coinbase gave no warning not only that this is a flagged-for-fraud wallet, but also a verified one. That means that Coinbase has an untrustworthy verification system, therefore betraying our trust. In a second, all my life savings are sent onto fraud, permanently losing it ( unless you help! ). 

I then reported this to the FBI, XXXX, and Coinbase. Most of them get little to no reply. For Coinbase 's reply, they DIDN'T CARE and directly tell us to complain to the FBI and states that they hold no responsibilities, although XXXX holds ALL responsibilities to this case ( separate report to CFPB ) including many others that were also scammed because of their naughty verification and system. I finally decided to request clearly to XXXX for a dispute of at least a partial amount for this case, but they refused. 

I also got all my personal information leaked ; Driver license and everything on it, are all leaked. I had to change my checking account ( I recently did so ). 

Please, CFPB, help recover our financial loss. Thank You! 
-- -- -- -- -- -- ---
Consumer complaint received 2021-09-29
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: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP (IN)

On XX/XX/XXXX, I noticed that my student refund was sent to an account that I no longer have. 
I attend XXXX XXXX XXXX XXXX. I began looking for my refund only to find out it went to an account I have not used since XXXX. 

Upon my bringing investigation, I was told {$2000.00} went to an account of an old girlfriend. 
We are not on good terms. I immediately called Key Bank to see if my name was listed on her account, and I was told my name was on no accounts, but my ex-girlfriend did receive the money and planned not to return it. 

XXXX sent the money because it was the account I had on file. However, I believed that my account was inactive, and I would have to provide up-to-date information before transferring the funds. 

I have filed a complaint with the XXXX, but I received a message that XXXX is not liable, and neither is KEY Bank if the money is not returned. 
I never authorized the transaction. XXXX states an account becomes dormant after 12 months of activity. This account has been inactive for three years, and their policy states that to reactivate, one must perform a transactional activity. I did not perform such action as I was locked out of the account. 
I did not re-authorize any funds to go into an account with no activity in three years. 

I have visually impaired, and these funds are my only source of income aside from my social security.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (NV)

MY BROTHER HAS STOLEN MY ENTIRE IDENTITY FROM ME. HE HAS CHANGED MY NAME, ADDRESS, BIRTHDATE, GENDER, EDUCATION, EMPLOYMENT AND AGE.
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I have contacted XXXX XXXX XXXX XXXX over a dozen times explaining the Identity theft I have occurred. They have not only not granted my chargebacks on my credit card ( My money protected by the FDIC ), they have also let a fraudulent check be deposited into my account of {$40000.00}. They also call 4-5 times a day in attempt to collect the debt. I can not pay $ XXXX that another individual stole from me. I will be providing my Identity Theft Report with this complaint. This has been going on almost a year and has destroyed my life. The amount on my credit card is more than double what my credit limit is. How can that even be possible? I am not even able to login into my accounts to check what other activity is going on as well as when I call in, the representatives will not gain me access to my accounts or give me my account numbers to report to the FTC, CFPB, as well as Equifax, XXXX, XXXX.
Consumer complaint received 2022-08-03
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (UT)

Purchased ink on XXXX was last purchase I made. Shortly after five fraudulent charges ( see attached letters dated XX/XX/21 and XX/XX/21 ) were made on XXXX on XX/XX/21 and posted on my credit card on XX/XX/21. Within two hours I contacted Barclays card services at ( XXXX ) XXXX and reported the fraudulent charges. Told them I did not authorize, purchase or receive anything. The company put a freeze on my account and reissued a new card to me. Sent me a letter on XX/XX/21 and XX/XX/21 stating that an investigations was performed and the charges were valid and put back on my account. Letters of dispute dated XX/XX/21 and XX/XX/21 ( attached ) were sent to Barclays card services. In both letters I told them that I had not authorized, purchased or received anything and that the charges were fraudulent the result of identity thief. The company keeps telling me that I made the charges I have not been able to change their minds and receive resolution.
Consumer complaint received 2022-08-12
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. (AL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, 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 2021-09-29
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. (TN)

I, consumer XXXX XXXX, have 6 unauthorized inquires present in my consumer report that originated from identity theft. 15 USC 1681 c ( 2 ) states that consumer reporting agencies must block any information in the consumers report derived from identity theft. The unauthorized inquires include : XXXX XXXX, XXXX XXXX ( listed twice ), XXXX, XXXXXXXX XXXX XXXX, and XXXX. In pursuant to 15 USC 1681 b ( 2 ), I never gave any of these companies written instructions or authorization to pull my credit file. I request that all 6 of these inquiries be removed immediately from all 3 credit reporting agencies ( XXXX, XXXX, and Equifax ) Thank you.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Neon Newco Corporation (NJ)

I have contacted the Netspend numerous times trying to dispute a {$400.00} charge on my card that I did not authorize. They gave me the run around for almost 4 months for me not to get my money back. A charge was made regarding concert tickets i never attended nor authorized. Every time i called Netspend to speak to a supervisor one would never call me back. This the worse experience every had in my life and I cant afford to lose {$400.00} during a pandemic with no job!
Consumer complaint received 2021-08-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Military Mortgage, LLC (PA)

I received the mail a letter from Low VA Rates LLC offering me {$250.00} if they couldn't gt me a better rate than I have offered. They offered me a 1.8 % rate on a 30 year fixed rate. I have a 1.75 % offer. They refused to honor their offer.
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DC)

I participated in XXXX XXXX XXXX COVID 19 mortgage forbearance program. Well before it's expiration, I requested that Wells Fargo Home Mortgage pursue on my behalf a FlexModification with my mortgage holder, XXXX XXXX XXXX. Rather than follow my instructions, Wells Fargo proceeded with a payment deferral program, rather than the XXXX I requested. Wells Fargo admitted the error and agreed to proceed with my request for a XXXX. After multiple unrequited calls and emails to my Wells Fargo " home preservation specialist '' I have received no documentation, no emails and no telephone calls in response to my request for an update to my XXXX request.
Consumer complaint received 2018-06-02
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. (GA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX, XXXX  and XXXX with no successful resolution. Equifax, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-09-29
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. (GA)

On XX/XX/XXXX I sent a letter with respect to off base and obscure things on my credit report right up 'til the present time more than 60 days after the fact I have not gotten a reaction at this point. I feel like I am being exploited and being disregarded of my debates. Area 611(a), it is clearly expressed that an inability to explore these things inside 30 days gives motivation to quickly eliminate those things from my credit report it has been more than 60 days so they ought to be erased expeditiously. I request these records be erased promptly or I will petition for prosecution because of the pressure you caused me. My data was additionally affected by the Equifax break and may have under the control of some unacceptable individual. Attached also is a copy of the FCRA and FDCPA with highlighted violations, proof that I was a victim of the Equifax Data Breach, Police Report, Copy of my credit burea report showing that Equifax and XXXX  has already reconized that XXXX XXXX XXXX account is not my account and have already removed it. According to the FDCPA  807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: A person's credit report is suppose to match across the board a copy of my credit reports and the FDCPA book have been attached as evidence of this violation. 

Last but no least there is also a copy of my FTC REPORT and Police Report . 

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the equfax data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over.
Consumer complaint received 2021-07-27
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. (FL)

I missed a payment, it was over looked on my part. I have attached a goodwill letter and my bankstatement showing funds were avaivale to make the payment just due traveling for work I over loooked it.
Consumer complaint received 2019-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (CA)

Several years ago I won a Dispute against XXXX XXXX for Id theft / unauthorized charges and it was removed. XXXX has now reinserted the same debt under a different debt buyers name. This is an account that was fraudulent and should be removed ASAP.
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Vengroff Williams, Inc (MN)

I was sent a collection debt notice from XXXX XXXX. My drivers license that was stolen was used to rent the cargo van fromXX/XX/XXXX-XX/XX/XXXX. I did file a police report in XXXX and will be submitting a copy to the collection agency to resolve it.
Consumer complaint received 2021-09-20
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: DISCOVER BANK (SC)

In the on going dispute of my consumer rights. Discover has purposely neglected abiding by federal law. 

New information : Discover sent a debt collection to my address that I did not give them permission to do. 
I have on a recorded phone call Discover stating that they do not and will not abide by federal laws. 

Audio recording will be handed over to their governing body and their state attorney general and all other applicable legal entities.
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: U.S. BANCORP (OH)

I was at the end of my lease and after paying it on time for 4 years while I went through a bankruptcy which I never included with US Bank and my XXXX XXXX XXXX lease. I started my lease in XX/XX/XXXX and when I went through the buying process I was advised that in the last 4 years they never reported my on time payments to any of the credit agencies. I spoke with US Bank and they informed me in XXXX that they decided if there was a bankruptcy filed by the consumer they would no longer report to the credit agencies. I am fighting this because first my lease started before they made that change and also feel that it is unfair that my payments were always on time even while it was being reaffirmed and was discharged that I paid on this vehicle and never was shown when I did the loan to buy it out. I went through a tough time but I never did not pay it on time and full payments.
Consumer complaint received 2022-08-12
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. (CA)

This is XXXX XXXX andI am submitting this complaint to dispute the fraudulent information from my Credit Report. Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, section 605b, which states that the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$23000.00}