davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

Between XX/XX/XXXX and XX/XX/XXXX, Wells Fargo charged me thirty one ( 31 ) overdraft fees, each costing {$35.00}. All of these were for transactions involving a debit card. There were no checks ever written against the account. 

I spoke with Wells Fargo multiple times about this, manually changing my account settings so that instead of paying a charge, the transaction was instead declined. During the Covid outbreak, if something like this happened, I would call Wells Fargo and they would reverse it. Moreover, they would decline charges made by the debit card when enough funds were not in the account. This " flexibility '' on their part was because they were obligated to do so due to the pandemic. However, the moment they were no longer obligated to offer compassionate fee waivers, my account settings reverted back to giving the bank " discretion whether to pay a charge when sufficient funds were not available ''. I never asked them to change the settings to pay transactions that would result in an overdraft charge. In 18 of the 31 transactions, the underlying charge was less than {$20.00}, and in 6 cases, the charge was for less than {$10.00}. Essentially, charging me a 300 % overdraft fee. When I contacted them recently, explaining that I had been XXXX  with a XXXX XXXX, and informing them that I had XXXX XXXX on XX/XX/XXXX to remove the XXXX, I was treated as if I was telling them a lie and the rep was incredibly rude to me. 

I explained to the rep that I was under strict orders from my doctor to avoid any stressful interactions at all costs, because it would likely trigger a XXXX. Even after explaining this detail, the Wells Fargo rep responded with something extremely rude and then stated " we can not waive any more fees, perhaps you should get a job ''. I can not believe someone would say something like this after learning I was recovering from XXXX XXXX and as a result I was on XXXX leave until XX/XX/XXXX. I literally ended the call with my hands and body shaking and practically in tears.
Consumer complaint received 2021-09-13
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: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I HAVE SEVERAL UNRECOGNIZED ACCOUNTS SHOWING ON MY CREDIT REPORT. I AM DISPUTING THE FOLLOWING ACCOUNTS XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I HAVE REQUESTED DOCUMENTATION A FEW TIMES IN XX/XX/XXXX AND XX/XX/XXXX. I NEVER GET ANY CLEAR ANSWERS OR PAPERWORK. THESE ACCOUNTS ARE FRAUDULENT. I DISPUTE THEM UNDER FCRA 623, 611, AND 605B.
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NY)

I contacted Comenity bank at XXXX on XX/XX/XXXX advising I was being charged interest when it was supposed to be a promotional period. Comenity took over from XXXX for the XXXX extra points card in XX/XX/2022 and I have had nothing but problems since they took over the account. There was supposed to be a promotional period for each box office transaction for tickets for the XXXX over {$250.00} for six months no interest ( please see attached photograph from the website ). The bank has not held true to the published statement, nor have they responded to my complaint filed on XX/XX/XXXX. I was advised on the call on XX/XX/XXXX that the interest that was charged in error would be removed and the promotional period would be in stated. Neither of these actions has taken place, in fact you will see where the XXXX XXXX and XXXX statements all show interest being charged even though I have complied with the requirements for the promotional period. I called Comenity again on XX/XX/XXXX and was advised that nothing has been done with a complaint, they have 60 to 90 days to respond to that complaint, and I just need to be patient. I advised them that it had been 60 days at that point and I still have no resolution nor have I received any correspondence from them with the exception of my statements. I would like all of the incorrectly charged interest payments to be removed from my account and all balances that should be applied to the promotional accounts applied correctly. My call reference from XX/XX/XXXX call when I spoke to XXXX is XXXX, and in that conversation I advised I would file a complaint if I did not hear anything back from them by Friday, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX.
Consumer complaint received 2021-01-24
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)

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX & XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX XXXX : XXXX XXXX XXXX- Account : XXXX XXXX XXXX XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX Creditor : XXXX AT T XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

Convergent Outsourcing but the original creditor is XXXX XXXX. Theyve received full payment owed and I have proof of payment. XX/XX/2021 this account was reported to collections but it was never removed and it is effecting my credit score along with holding me back from obtaining business credit. This account was paid in full and its closed. Its needs to be removed and its entirety immediately it is not a true accurate description of my credit report.
Consumer complaint received 2021-11-16
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. (NY)

This ( XXXX XXXX XXXX acct. # XXXX XXXX XXXX ) was and is a disputed bill, not a contract default, late payments or a write off. It took them months ( from XX/XX/XXXX to XX/XX/2020 ) to notify me of the ( lease return amount ) and when they did they sent me a bill ( attached ) with what is described on THEIR letter as a settlement offer. as you can see by the letter from XXXX and my canceled check for the amount THEY proposed to me. The letter stated they would consider it paid in full. 
Why are credit agencies helping them harass me and destroy my credit rating ( so far a full year ) what is going on? 
I am requesting a full investigation on how this is possible? Under what law they are allowed to do this? 
I am requesting restoring my credit standing by removing incorrect, false and harassing information by XXXX XXXX XXXX. 
I am willing take any and all legal means at my disposal to defend, restore and protect my ( prior ) excellent credit history. 
Request speedy resolution and corrections.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NY)

Citibank Card Services failed to properly and diligently investigate a dispute. The company ignored documentations that I provided to them which were a clear and direct response to their requests. My dispute was closed twice in favor of the merchant by stating that they have not received any documentations. After my most recent attempt, the company refused to reopen the case. I have insisted to be contacted by phone by someone from their investigation team to explain their decision as to why the case was closed. No one ever tried to reach me to explain anything by writing or verbally. The only thing I received form the company were letters stating that the case was closed in favor of the merchant. It appears that the investigators of the company have biases that are partial toward their business partners and ignore all evidence provided by the consumer no matter how strong the evidence is. Such practices are unjust and unethical and it must be investigated. I have been a customer of Citibank for more than 30 years and I expect to be treated much better than this.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My mother dies XX/XX/2020. BOA inheritance department dispersed all funds to siblings but mailed my money to old address. I have filled out 4 new ID affidavits and spent over {$300.00} in notary fee. All they ever say is they are going to cut new check but after 7 months they refuse to do it. Always telling me they need new ID affidavit and each time it costs me {$180.00} notary fee. The are holding my money hostage and wont allow me to donate it or receive it.
Consumer complaint received 2021-01-24
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: SYNCHRONY FINANCIAL (OR)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXXXXXX XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-03-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IN)

I am requesting assistance with my dispute with JP Morgan Chase regarding fraud. I received a text alert with a web link from a hacker posing as JP Morgan Chase. The text alerted me that I needed to take immediate action to unlock my account. In order to unlock my account the text message requested I click on the link and send a picture of my State ID, a picture of my debit card ( front and back ) and also a photo of myself without glasses or headgear. The steps I have taken to prove to JP Morgan Chase that I was a victim of fraud are as follows : On XX/XX/2022 Hackers compromised my account and withdrew {$4000.00}. 1. ) I realized my account had been compromised on XX/XX/2022. I also contacted Chase on this date. Results : The Chase representative then opened a dispute on my behalf and stated I should hear from them in 3-10 business days. On XX/XX/XXXX Chase sent me a letter stating they closed my dispute because they believed the transaction was authorized. 2. ) On XX/XX/XXXX I visited the Chase Branch to speak to a representative regarding the letter. Results : The Chase representative provided the fraud department 's phone number. 3. ) On XX/XX/XXXX I called the fraud department and they requested additional evidence. I then provided a screenshot of the text message I initially received, a screenshot of the email I received when the hackers created a XXXX wallet, and a full description of the incident. Results : The Chase representative that they would re-open the dispute and re-investigate the claim, and would hear back from them in 3-10 business days. Results : On XX/XX/XXXX I received a second denial letter from Chase. 4. ) I called the Fraud department and requested to speak to a supervisor, and they transferred me to XXXX, from the executive office, who requested me to email all the proof I previously sent to them. Results : On XX/XX/XXXX, a Chase representative called me to make me aware that the dispute will remain closed. After an exhaustive process with Chase with no resolution, I decided to report it to the XXXX Police Department on XX/XX/XXXX. On XX/XX/XXXX, Detective XXXX launched an investigation and issued a warrant to Chase to retrieve the ATM surveillance footage from the day the hackers illegally withdrew money. On XX/XX/XXXX I contacted Chase regarding the Police report and they requested I send over all the previous documents including the police report. Results : On XX/XX/XXXX, a Chase representative called me to make me aware that the dispute will remain closed.
Consumer complaint received 2021-04-12
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Porsche Financial Services, Inc. (GA)

The terms of the lease were unclear to me prior to my signing the lease. Despite my many efforts to ask questions about my lease, I was a continually brushed off and my questions dismissed. I am not satisfied with Porche Financial nor the terms of this deal.
Consumer complaint received 2022-07-23
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. (TX)

Again, I was a victim of identity theft and this is another request to block the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the reciept. Ive already included this report in my previous complaint # XXXX and XXXX & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please delete the following items from my file : 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 Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXL ) XXXX Balance XXXX XXXX {$3400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$430.00} ; XXXX XXXX NA Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2024-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Attention : XXXX XXXX XXXX XXXX Credit Bureau XXXX, Account Number : XXXX SSN : XXXX This has been the most unfair inconvenience that I have EVER experienced regarding errors on my credit report. There is no way of resolving this account. I have disputed it MANY times to NO avail. It continues to come back as verified although every time I call XXXX ( XXXX ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, and Capital XXXX ( XXXX ) XXXX, NOBODY CAN LOCATE THIS ACCOUNT. How does it come back as verified when XXXX can access the account?? I have sent certified letters to XXXX regarding this HUGE inconvenience and received a response that they can't help me. XXXX is the only bureau that has provided me with some relief and removed the account because they said it's unfair and against the law to leave it on my credit report. XXXX ended its partnership with XXXX Bank ( the card issuer ) and partnered with XXXX XXXX. It has now ended that partnership and partnered with someone else. Meanwhile, I am in limbo unable to speak to anyone that can help me to get this removed from my credit reports. This is a huge inconvenience and against the law. Regular people shouldn't be left to deal with the fallout from XXXX mergers. I spend hours EVERY SINGLE DAY regarding this, and nobody has any information on this account. I have included news articles that show XXXX 's ending of distributors of its store credit card and I'm certain that I'm not the only person that this has happened to. Please remove this account from my XXXX and XXXX
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-09-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TD BANK US HOLDING COMPANY (NY)

I have a small business account with TD bank, NA as of XX/XX/XXXX. I went to the XXXX XXXX XXXX XXXX  NY XXXX, branch to obtain 2 certified checks.The TD Bank Teller ( XXXX XXXX ) and Assistant Manager ( XXXX XXXX ) refused to allow me to take money out of my business account and disburse two cashiers checks. Refusing to accept my current state ( EXP.XX/XX/XXXX) issued NY drivers ID and setting a higher standard for confirming identify by requesting I provide a passport and social security card. No effort  was made to verify that I was a signatory on the account, EIN, location of business, last deposit amount or total of monies in the account. They profiled/using bias/racism against me and refused me service and access to my small business account. As a XXXX owned business I took offense at the TD reps conduct where they claimed they did not care if I had an account or withdrew my money to close the account. I had to leave the business without obtaining the service I was guaranteed as a customer of TD Bank. I contacted my business relationship manager afterward and he confirmed only by a state issued driver license was needed for the transaction.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX bank and XXXX XXXX XXXX XXXX gave me credit cards. 
I spent only less 30 % of credit limit to improve my FICO SCORES AND CREDIT SCORES to purchase home as XXXX XXXX VETERAN to support my kids ( I am custodian parent XXXX XXXX XXXX bank and XXXX XXXX XXXX XXXX did not update on time credit utilization point helps a lot I have FHA XXXX XXXX as the first time home purchaser who is XXXX XXXX VETERAN XXXX XXXX bank and XXXX XXXX XXXX XXXX should update credit utilization rate to three credit bureau ASAP.