davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Since the beginning of XXXX I have been collecting unemployment through the EDD.  Every time I go to withdraw money my account is locked or restricted. When this happens I have to call customer service to have it unlocked. It almost feels like I have to ask permission to access my funds every time I need access to them. XXXX, XX/XX/2020 at XXXX XXXX., I tried making a withdrawal of {$300.00} from this account only to find that it is restricted again. I got in contact with customer service where the first CSR who spoke with me. She mentioned that there is no reason why my card should be locked or restricted and transferred me to the fraud department. While giving my information to this department they transferred me unexpectedly in the middle of a sentence to a department that is not open and was disconnected from the phone call. I called back and was told by a second CS are that there is no reason why my account should be locked. The debit card I have is new and hasn't been used and this is the first time I am using this card. They then connected me to the fraud department again where they said they can not do anything and I must call the closed Department that I was originally transferred to where the phone call disconnected tomorrow morning at XXXX XXXX. eastern standard time. I need access to these funds because of an emergency and have to take someone to the hospital. If this person dies because of this reason it's going to destroy me. What they are doing is unfair, unprofessional, and I'm pretty sure its illegal. I called back a third time where a third CSR told me there is no reason why my account should be locked and I should have all access to my funds. He then said that there is nothing that they can do on their side and transferred me to fraud again where the person I spoke with did not say anything or do anything and hung up on me. At no point did I use profanity or slander the individuals I spoke to but I did profess that I was upset with this situation. I even told them that this is an emergency and need access to my funds. Even my online account can not be accessed and they won't tell me why. I am in fear for this person who needs a doctor and I am extremely upset that the banking system feels they have the right to do this to me. I would like to press charges to the fullest extent of the law to make sure that this banking institution doesn't do this to another person again.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (CA)

I am requesting LexisNexis Risk Solutions place a freeze on the credit/information report. They are requesting I provide them with a copy of my social security card, drivers license and other personal information. I am the victim of identity theft, so I am not willing to provide anyone with any personal information. I have a personal and religious objecting to companies using numbers as a means of identifying me. Regretfully, I can not prevent LexisNexis Risk Solutions collecting personal information and using my social security number or drivers licenses number to identify me. I can comply with my religious beliefs by not assisting nor supporting the use of a number as an identifier.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AZ)

Called into Chase customer service on XX/XX/23 to discuss getting promotional benefits early. The specific benefit was the companion pass on their XXXX Credit Card. The customer service agent advised that I could receive the companion earlier than the expected timeframe and I would see it applied to my account by XX/XX/23. I booked my flight ( departure on XX/XX/23 ) based off this information and under the expectation that I would use the companion pass for my XXXX XXXX XXXX daughter. 

Reviewed my XXXX account on XX/XX/23 and did not see the companion pass added to the account. I contacted Chase customer again on XX/XX/23 and escalated to a supervisor to review my account. The supervisor advised that I was given inaccurate information and told me I would not be receiving the companion pass benefit prior to my flight. I told the supervisor that I never would have booked this flight had I known I would have to pay for the additional seat for my daughter. The supervisor advised that they would provide feedback to the customer service agent but there was nothing else they could do for, regardless if I booked a flight under false pretenses. When reviewing flights today to add my daughter, it was going to cost nearly {$400.00}.
Consumer complaint received 2022-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

I requested a refund of {$10000.00} in payments from my loan servicer, Nelnet on XXXX  XX/XX/XXXX. I was then told I needed to resubmit my request to refund the {$10000.00} in payments on XX/XX/XXXX. I have been given no timeline on receiving the {$10000.00} refund of the payments made in XXXX.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (NC)

I called XXXX XXXX XXXX several times after they installed the satellite XXXX  in the past. I should not owe them any money. The contract was recalled before the deadline ( I was given so many days to get out of the contract with the company ). I had to move out of my apartment and I asked XXXX XXXX to void the contract and come retrieve their equipment. I also asked IC Systems ( creditor ) to remove this information from my credit report and they refused. I never used the services but XXXX XXXX sent me a bill for well over {$1500.00}. They then listed it on my credit as owing {$580.00}. 

IC Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

am in the process of purchasing a home for my family and it was requested by a lender to pull my EQUIFAX credit report. As part of the review I found there are inaccurate items and should not be on my credit report. The lender indicated to me that missed payments will cause my interest rate to be higher. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX # XXXX and ACCOUNT NAME : XXXX XXXX XXXX XXXX # XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 90 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

About ten years ago my aunt died. I was the appointed Power Of Attorney on her behalf and the beneficiary of her checking account at Wells Fargo Bank. The account was closed after her death. I received a check for the sum of {$11.00} dated XX/XX/2022 recently made out to her name only, for some unspecified fees that were charged to her account. I went to the local Wells Fargo and tried to present the check, death certificate, probate form and last statement of the checking account that listed me as the Power of Attorney. I was told to call a number on the letter that accompanied the check. I called and explained the situation and was told I should present tne check to a bank or send in a special W form to them. This is circular system that isn't worth the effort and probably just serves lawyers. It reinforces my opinion that the banking system doesn't really serve customers, but mainly corporate interests.
Consumer complaint received 2022-07-18
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. (MD)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$350.00}
Consumer complaint received 2022-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MT)

I was the victim of a scam for purchasing a piece of heavy equipment. I wired {$27000.00} from my account at Wells Fargo to a bank account at XXXX XXXX. I met with a Wells Fargo agent and he filed a Wire Return Request with XXXX XXXX, and then said, This is not going to work and theres nothing else I can do. I have documents from the transfer, but they have sensitive information contained on them.
Consumer complaint received 2024-11-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (CA)

I was originally with XXXX  XXXX  that is where all my bills payments went to then suddenly one day someone came to repo it knocked on my door. I immediately contacted XXXX and was told wells Fargo dealer services had it. I contacted them they said they didn't have the loan I contacted my bill pay request cancel checked and where the money went. XXXX states all payments were sent to Wells Fargo. I ended up having to settle out anyway and pay XXXX XXXX XXXX early and ruined credit then wells Fargo sent me back two of my 3 payments
Consumer complaint received 2020-12-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (WI)

I have opened savings account in response to Citi offer to deposit $ XXXX to the savings account and receive the {$700.00} reward. I have deposited the funds however Citi closed my account originally because their branch in FL sent documentation with the check into the wrong department. Citi cashed the check but lost rest of the documents therefore allowing deadline to pass. 

An addition, Citi fraudulently charged me {$30.00} service fee each month while I complained with requirement to deposit $ XXXX to avoid service fees, monthly {$30.00} fraudulent fee which lowered my balance each months. 

I addressed this issue with Citi multiple times with no avail. 

I need all fees refunded promptly.
Consumer complaint received 2023-03-08
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)

My name is 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.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-03-14
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: CLGF Holdco 1, LLC (PA)

In accordance with the FairCredit Reporting Act XXXX XXXX has Violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B- A creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose. 

15 USC 1681A ( 2 ) ( I ) reporting containing solely as to transactions or experiences between consumers and the person making the report
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (RI)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense XXXX. I want to uphold my rights as a consumer, it is so XXXX  that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2021-11-24
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: Exeter Finance, LLC. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Omega RMS, LLC (CT)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX CT XXXX OMEGA RMS Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious OMEGA RMS Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX, CT XXXX
Consumer complaint received 2020-12-01
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-12-01
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. (TN)

I have recently reviewed a copy of my credit report. I consumer XXXX XXXX notice that there are several inaccurarices on my report that I didnt authorize. These accounts are violating my rights according to the FDCPA. The credit reporting agency continues to violate my rights according to 15 USC 1692d " Any bad debt furnished on your reports is runing your reputation and its defamation of character. ''
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (AZ)

Yes, I still am a Wells Fargo customer. I have an open active Wells Fargo Visa Credit Card. 
I have it in my posession. I have not closed my account. Why is Wells Fargo making calls to me? A male calling me at XXXX XXXX  from XXXX and harrassing me today XXXX, XXXX  and stating, " You are not a customer of Wells Fargo XXXX '' This has to stop! I certainly am a Customer. My account was opened by me In XXXX, Oregon and I have the legal documents to provide .This is continual direct verbal attacks and harassment from Wells Fargo XXXX The call today is legally documented at XXXX minutes and XXXX seconds. 
Why am I receiving Wells Fargo advertising and emails and calls from Wells Fargo? Why is Wells Fargo sending me checks from illegal activity on my present credit card. Please explain? I have an open active account. My question to Wells Fargo is how many accounts did you open under my name without my knowledge and permission? A Wells Fargo manager in XXXX purged accounts without my permission. 
Please prove to me that I am not a customer of abuse. 
Please contact the XXXX, Arizona police and schedule an appointment for viewing of this Wells Fargo Visa credit card that I have in my profession. 
I am not a liar. 

I have established who I am to you in your banks and have the legal documents in my posession and you should have them also. I want my settlement court ordered final check. I will not be accused and abused by the Executive Wells Fargo office or other unknown people calling me directly. Please check my Wells Fargo history I have an opened XXXX XXXX and as soon as you pay up my court ordered settlement I will rid of my card. 

Please do not harrass me. I have done nothing illegal. Please note you once again have my address incorrect. You have been provided the correct mailing address numerous times. My banking account is not closed. 




LouA