davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I have been a Union Bank personal and multiple business account customer for about 25 years. 

I normally make our two separate monthly mortgage payments on our two separate properties via Union Bank 's automatic online bill payment program from our personal checking account. Because we were refinancing both of those loans by entering into new mortgage loans, no XXXX mortgage payments were due. 

So on XX/XX/XXXX I went to the Union Bank online bill payment program to delete both of those " old '' automatic mortgage loan payments that would otherwise be made on XX/XX/XXXX. However, when I tried to do so, I found that they showed to be " In Process '' and I therefore could not delete them. 

On XX/XX/XXXX I contacted Union Bank customer service by phone. Initially, I was assured that they would just stop those payment checks from being sent out since they were still " In Process ''. But after spending almost three hours on the phone, I was told that they actually could not stop the checks from being mailed out. Instead, they would stop payment on both checks, assuring me that those checks ABSOLUTELY COULD NOT BE CASHED AND WOULD NOT BE PAID. I then told the agent that I wanted to receive confirmation of that IN WRITING. Although they tried to avoid doing so, they finally agreed. 

On XX/XX/XXXX I received an email from another individual at Union Bank confirming that the stop payment orders had been issued on both checks, and that " these items are unable to be cashed ''. 

On XX/XX/XXXX, despite assurances to the contrary, Union Bank PAID BOTH CHECKS BY WITHDRAWING NEARLY {$3500.00} FROM MY ACCOUNT WITHOUT MY AUTHORIZATION, AND WITH MY SPECIFIC INSTRUCTIONS TO NOT DO SO. 

I immediately contacted customer service again and accomplished nothing. I then contacted the branch manager who tried to get things resolved, but was only able to escalate the case to the " Office of the President ''. It is now XX/XX/XXXX, I have spoken to a person from the " Office of the President '' myself, and STILL nothing has been accomplished and they still have not credited the funds back to my account.

In my opinion, Union Bank has STOLEN {$3500.00} from my account, AND I WANT MY MONEY BACK IMMEDIATELY!!! Further, they should be criminally prosecuted for their theft of funds from my account.
Consumer complaint received 2022-12-08
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: JPMORGAN CHASE & CO. (FL)

I have no recollection of these inquiries on my account I have called I have written and nothing has been done XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX They have failed to respond to my disputes they have failed to respond to my calls this is in violation of my rights I have put in fraud alerts on accounts
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CT)

My debit card number was recently compromised somehow, and fraudulent charges were made to my Wells Fargo account. Immediately after realizing this, I made my report to their fraud and claims Dept on XX/XX/XXXX. They have never contacted me regarding the issue, instead Ive had to initiate contact, which I have on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Beginning with my initial report, I have maintained that several of these charges were recurring payments, and I saw multiple charges as I quickly scrolled through my account that evening. It was clear to bot myself snd the person taking the call that a look back at all transactions would be necessary to determine an accurate total. 
In my subsequent efforts to follow up, I have received a much different experience than in the past, and unfortunately this isnt the first time this has happened to me. Each conversation consisted of me being told their policies and entitlement of time to investigate. I have responded by directing them to he fast that I am on unemployment, receiving less than 50 % of the income I have for the entire 13 years Ive banked with them. My balance was low, and despite my communication of this concern, I was assured that any and all missing funds would be given to me quickly, and that and overdraft fees assessed would be reversed. By the time the week ended I still hadnt received even a provisional credit. My account had gone into overdraft, which it would have had my number not been compromised and/or if I were employed. At that point, I literally had not even a XXXX to provide myself with any basic needs, food, or anything really. The amount still owed to me is mainly a sum of the overdraft fees, charged to me by the bank while they conduct their investigation. Meanwhile my unemployment check, which has decreased dramatically has now just been completely absorbed by the negative balance in my account, which was caused by the bank itself. They dont seem to understand that I am a human, who had their money stolen, and and they have only mage the situation worse and left me in a pretty awful spot. 
** see attached letter I sent them today.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2021 unauthorized charges were made to my credit card. I called the bank and informed it. The claim was approved and they refunded the total amount of this charges and issued a new credit card with new information on it ( New number, new expiration date, new security code. 
In XXXX, another unauthorized charges were made. A new claim was filed but this time was denied. I requested to reopen the claim but they denied again alleging that the charges is a subscription or reoccurring bill. I called XXXX and they informed me that there were multiple XXXX ids involved on this transaction making this purchases suspicious. 
Again, in XXXX more unauthorized charges were made to the new credit card and this time they approved the claim. 
Their letter response doesnt show any type of investigation. They just assumed based on history of purchases and type of the purchase ( subscription/ reoccurring bill )
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I NEED EVERTHING REMOVED WITH IN 14 TO 30 DAYS THANK YOU
Consumer complaint received 2022-10-10
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: CAVALRY INVESTMENTS, LLC (CA)

I was served with a summons on or about XX/XX/2022 from XXXX XXXX XXXX on behalf of Cavalry SPV I , LLC whom I have no contract with, have done no business with, have no knowledge who they are, and owe no money to. Cavalry claims they have purchased my personal information without my permission from a charged-off account from XXXX XXXX My personal information was allegedly sold to Cavalry SPV I , LLC giving them ownership of the debt. Cavalry SPV I , LLC has not provided the purchase agreement or the terms and conditions of this alleged sale. I do not know how Cavalry verified the debt or obtained statements from XXXX other than the " Affidavit of Sale of Account '' provided that lists no name of debtor, account number, or amount owed of the account that was allegedly purchased, just a batch number. I owe Cavalry SPV I , LLC nothing and have never entered into a contract with them as I do not know who they are and have never heard of them. They have no signed contract showing that I owe them anything. I want them to cease and desist any contact with me. Selling my personal information has violated my consumer rights! 

The alleged amount owed that I being sued for is {$3800.00}. I will pay a creditor I do not legally owe.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CO)

I have paid my bill every month on time. Maybe a day or so late a few times but i just had my credit pulled and i see where they have shown me late every month since XX/XX/19. I did lose my job due to Corona and then i actually contracted Corona myself. When this happened i called the company in question to get relief and close the account. they said that if i paid XXXX initially and made the minimum payments due then I wouldn't have to worry about late pays on my report so i paid them the XXXX initially and then i continued to get enough money to make the minimum payments on a closed account but the late pays continued to be put on my report. I have tried to get them removed because this is not what i was told on the phone and i made the payments. The account was also closed. Please help me. Its effecting my ability to get a home loan.
Consumer complaint received 2022-10-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

I received my prequalifying from Freedom Mortgage for {$500000.00}. We found a house and submitted the contract to Freedom Mortgage on XX/XX/2022. I did not receive any guidance or information until XX/XX/2022, after I sent an email asking if they needed anything from me. They sent me a loan disclosure and I immediately asked if the closing cost could be adjusted. They came back and said yes and they would send me the new loan disclosure. I got the new disclosure and found that the closing costs went up almost {$5000.00} versus my request to lower it {$5000.00}. At this point, I sent multiple emails throughout the next two weeks with no response. I called and left multiple messages with no response. The house was suppose to be closed on XX/XX/2022. Finally, on XX/XX/2022, the lender finally contacted me and said they are working it. On XX/XX/2022, they said they could not lower the closing costs. On XX/XX/2022, I find out the loan was not even approved and they said they were working it and I received no information after this. XX/XX/2022 came and gone and I lost all my escrow. I still to this date, XX/XX/2022, have received XXXX communication from them. They also did not provide the needed information to the title officer during this process. They set on the VA appraisal for over a week and I received it the week prior to closing. So, we lost the house and the escrow due to Freedom Mortgage not upholding their responsibilities as a mortgage company.
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (CA)

The issue was that this company gave us wrong information in regards credit score I had to open an investigation with the Credit Bureaus and contact them to find out that your company told us was extremely low we are talking about a credit score XXXX  to be lowered supposedly XXXX this outrageous. Also refuse to show us the scores nor give us the source of your third party company witch was extremely wrong. I wanted to stress this incident also it reflects the unprofessional service and malice and discrimination process to the FTC Credit Laws in our State.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MI)

On XX/XX/XXXX, I had filed a complaint with Wells Fargo Bank, due to a slew of charges that were taken out of my account, as my debit card was not in my physical possession. I have spoken to multiple agents and customer care representatives who have been absolutely no help in the process. Due to the nature of the charges that spanned across three weeks, I focused on the larger sums, which are as follows :XX/XX/XXXX : XXXX XXXX - XXXXXX/XX/XXXX : XXXX - XXXX XXXX - XXXX XX/XX/XXXX : XXXX XXXX - XXXX XXXX - XXXX XX/XX/XXXX XXXX  XXXX - XXXXXX/XX/XXXX - XXXX XXXX - XXXX XX/XX/XXXX XXXXXXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX When given a decision, Wells Fargo Bank denied my claim and requested that I go directly to the merchants to issue a refund. Therefore, I went to each merchant through chat and phone, in which none could assist, as the charges were done in-store, with the exception of XXXX XXXX. I called Wells Fargo once more and told them that the merchants authorized a refund and the Wells Fargo agent informed me they can not issue the refund and in addition to this statement, I can not open a new claim disputing these transactions. 
The amount I have disputed is high and it's frustrating beyond all belief for a bank to have protection for its consumer, yet refuses to utilize it to protect someone from these actions. I have contacted each merchant again, and still the same response from both parties involved.
Consumer complaint received 2022-10-23
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. (IN)

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 1681XXXX 

XXXX XXXX XXXX-account XXXX XXXX XXXX XXXX-account number XXXX XXXX XXXXL-account number XXXX XXXX XXXX XXXX number XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-15
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: TRUIST FINANCIAL CORPORATION (CA)

There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.
Consumer complaint received 2020-10-15
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: General Motors Financial Company, Inc. (CA)

There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.
Consumer complaint received 2022-10-10
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. (TN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far on disregarding my disputes. AGAIN, this state is unbelievable! Transunion and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Transunion so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let this fraudulent account distress my credit score. TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why. I have contacted the furnisher and they agreed to deleted this from my file : DPT EDXXXX XXXX
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

I have a Reliacard by US Bank from Colorado XXXX. I had my Vehicle broken into and They stole my phone and Luggage that caused Identity theft that i was unaware of until they had Spent over {$5000.00} on my Card thru XXXX. I immediatly notified ReliaCard customer service when i noticed funds missing. I ffaxed the paperwork to them XX/XX/XXXX as the rep told me to for the complaint. I gave them 2 weeks they asked for and never heard a Word so i call back XX/XX/XXXX and tell them unacceptable. They tell me looks like never recieved docs they needed w2-DL-mail. So i faxed them. I recieved provisional credit onto card and thought ok were getting somewhere ... NOPE my account is locked. I have now called daily and most recent weeks stats I put in over 42 hours on the phone including hold time. They say they cant release account only level XXXX can but noone will get me to level XXXX fraud or tell me how to reach them. They have become rude and still 2.5 months later I have no access. This has caused me to sleep on the streets. not eat and noone cares. I have uploaded every document to reliacard thru website multiple times XXXX XXXXhave faxed and emailed XXXX I am told this is escalated but nothing.. The call center sucks AND us bank should not put their name on a card if they cant help because i have made several visits to the loc al branch only to be told they are only the PLASTIC behind the card ... I CANT DO IT ANYMORE.. THEY GPOTTA BE STOPPED