davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: TradeStation Group, Inc. (NY)

On XX/XX/XXXX a full account XXXX transfer took place to which my entire portfolio was sent over to another brokerage. Shortly after, {$2.00} remained in the account from XX/XX/XXXX to XX/XX/XXXX - despite me informing the brokerage that they should send the funds either to the address on file or via ACH transfer. I was unable to do so since I verified with them that the account was closed XX/XX/XXXX. 

Fast forwarding to XX/XX/XXXX - a distribution in the amount of {$14.00} was made into my closed account. On XX/XX/XXXX there was a {$10.00} fee imposed followed by another on XX/XX/XXXX. And on XX/XX/XXXX - a distribution of {$110.00} was made into my closed account. On XX/XX/XXXX there was a {$10.00} fee imposed. Since I had time to notice the deductions, I re-informed the brokerage that I would like all distributions of this closed account be sent to the address on file in the form of a check. 

However, they had refused, informed me that the only way I can transfer these funds out is to re-open the account and then make a transfer. While hesitant to do so ( given the technical glitches I previously encountered with their platform ), these funds were substantial, so I requested that they re-open the account. After going back and forth for some time, I finally requested an ACH transfer of the remaining funds.
Consumer complaint received 2019-07-17
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. (NY)

To whom it may concern, I had signed on my XXXX XXXX   account on XX/XX/XXXX and noticed hard inquiry 's I never authorized or signed up for. I am looking to have these removed as this is fraud and someone was trying to use my personal information. I just tried calling up some of these companies and they all pretty much said I have to dispute here in order for false inquiry 's to come off credit report here are the ones I do not recognize and believe them to be fraud ... I would like these to be removed from any credit card reporting agencies as I did not do any of this and it is inaccurate. 

XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: E*TRADE BANK (AZ)

XXXX ETrade Checking account closed in XX/XX/XXXX. Three years later, XX/XX/XXXX I receive an email instructing me to contact ETrade. Customer Service informed me account was never closed, and this was an error. Account would remain open if requested. I did so request account to remain open. In XX/XX/XXXXI received notification to contact Customer Service. Representative informed me, error was made and account would be closed, remaining balance would be mailed to address. I provided address, CSR informed me photo ID and " letter of instruction '' required since my address changed from original address on file. I provided State Photo ID with signature, and digitally signed letter. CSR contacted me and stated digitally signed letter insufficient to mail out remaining balance. Photo ID with signature and DIGITALLY SIGNED letter uploaded by accessing my account ( which had not been accessed for over 3 years ), and providing private authenticated info over telephone is sufficient enough.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

The XXXX  XXXX bankruptcy is inaccurately being reported. The dates and the case number are incorrect, this event has reached the XXXX year reporting mark as it was originally filed as a XXXX  XXXX.I would like this event removed from my credit report and/or provided the original reporting documents that reflect the information being reported...
Consumer complaint received 2023-02-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

I have had a checking account with XXXX since XXXX. Since that time my name has not changed, my address has not changed, my phone number has not changed, even my email has not changed. I am in the local branch office 2/3 times a month and know most staff on sight. On Saturday XX/XX/XXXX I was unable to sign in to my online account to use bill pay and to XXXX. I tried 3 time without success and finally called customer service since it was a Saturday and no branches were open. I was told I was not authorized to sign on the account. The account is registered to my trust and is my primary account. I told this person they were mistaken. No changes have been make to the account since it was opened. I was told I had to go to a branch on Monday, so no access to my funds no access to my bill pay and no ability to send my daughter a birthday XXXX  transfer! On Monday I went to the local branch that we use and staff said I had to fill out some paperwork as there was a system upgrade that locked me out of the account. I asked where the original documentation was from when I opened the account., they did not have or could not find it. I got my estate documents and went back to the bank. Filled out the paperwork I was asked to and they uploaded it to the system. I asked could they call and get me access to my account again, they could not a supervisor had to review the paperwork and she was not in the office. I waited until Tuesday figuring the system had to upload overnight. I was unable to get into my account and again called Truist customer service. They said they could not help my and it may take another 3/5 days. 

I am unable to pay bills, I may incur some finance charges. I have a XXXX XXXX XXXX and have never been late with a bill in my life. Truist does not seem to understand how important this is to me. I never got a phone, email or letter indicating any problems with my account. I was in the branch just 2 days before this occurred and no teller said anything about any issue. 

My pension check is direct deposited as is my social security so it will take time if I want to move my funds elsewhere. I get the sense I am not the only person that this has happened to. I am a XXXX XXXX who tries to do the right thing. Who hold big banks accoutable to do the right thing as well?
Consumer complaint received 2024-12-05
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: Fidelity National Information Services, Inc. (FNIS) (PA)

I am a XXXX XXXX XXXXXXXX XXXX, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Chex Systems credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of many unauthorized inquiries listed on my consumer report this request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Consumer complaint received 2019-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I used my debit card fine to purchase lunch today went back to work, finished my shift. Went to get a hair cut and my card was declined after I had received the hair cut. Called Fifth Third Bank and they were very secretive and asked me a ton of verifying questions. Not normal. I explained my car was declined and asked why cause I know I had at least {$900.00} in my checking account. They could not tell me anything. The team that suspended my account had gone home for the day and it was only XXXX EST. They couldn't do anything to help me or help me understand what was going on. I'm left here with no money and no reasoning to even give this business why I can't pay for the service they just gave me which is beyond embarrassing. You'd think a bank that you give your money to and trust would at least give you some sort of notice like a text, email or phone call before making a change like this. Also to maybe call me before making this change and work out whatever the issue is rather than turn it off and then go home for the day. This is beyond stressful as I can only hope this doesn't last more than a day otherwise how am I supposed to pay my bills. I have all my money in that checking account and my direct deposit goes there. My rent comes out next week. Lost all trust here.
Consumer complaint received 2022-06-17
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. (LA)

There are 6 late payments being reported by DEPT OF EDUCATIONXXXX ( 1 late payment for 6 different loans ). That information is false. My student loans should have been deferred due to a natural disaster in Louisiana that I was affected by. I had spoken with a representative with XXXX & they advised since I was displaced from my home, payments would be deferred for 12 months. 

I have a late payment reporting for DEPT OF EDUCATION/XXXX, Acct XXXX, Balance on XX/XX/2022 is {$2900.00}, Original loan amount is {$2000.00} DEPT OF EDUCATIONXXXX XXXX Acct XXXX, Balance on XX/XX/2022 is {$4100.00}, Original loan amount {$3800.00} DEPT OF EDUCATION/XXXX, Acct XXXX XXXX Balance on XX/XX/2022 is {$3200.00}, Original loan amount is {$2600.00} DEPT OF EDUCATION/XXXX, Acct XXXX , Balance on XX/XX/2022 is {$7900.00}, Original loan amount is {$6500.00} DEPT OF EDUCATIONXXXX, Acct XXXX, Balance on XX/XX/2022 is {$8700.00}, Original loan amount is {$7500.00} DEPT OF EDUCATION/XXXX, Acct XXXX, Balance on XX/XX/2022 {$3600.00}, Original loan amount is {$3500.00} In accordance with the Fair Credit Reporting act these accounts have 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 2023-02-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (WA)

I have been getting calls multiple times a week about collecting a debt owed to an old apartment complex ( that is an off-lease out-of-the-blue charge ) and they have also contacted my parents who have nothing do do with this. I also have an old roommate who has been being harassed about the same exact amount owed to the apartment complex but neither of us have received communication about how to split our payments. There is no way we will both be paying the full amount separately when it is one bill. When I called and asked about a payment plan or any help I could receive as I do not have the means to currently pay this, the collector repeated the same phrase You need to find this money in full and would not say anything to me/ offer me any assistance. Refused to discuss anything with me and repeated one sentence to me over and over.
Consumer complaint received 2023-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC. (OK)

I have a debt that showed on my transition report as a loan. I disputed this loan, as I have never signed any loan documents. A collection agency has the account now, and when trying to tell them the loan is not mine and it's fraudulent, they want me to give them personal information which I will not do. Like my full social security number.
Consumer complaint received 2024-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (NC)

I did not originally initiate my mortgage with Wells Fargo, they bought the mortgage a number of years ago. I did not have an escrow account on the original mortgage. I have been paying my monthly payment, and my own taxes and insurance with no issue. This year I was late on property taxes for XXXX, and got a letter from WF stating it was a violation of mortgage to be late on property taxes which I was unaware of. I had been working with the local tax authority to catch up, and paid in full on XX/XX/XXXX, posted XX/XX/XXXX. I received a letter from WF dated XXXX stating that since my taxes had not been paid by that date, they had paid the taxes on my behalf, ( this did not post to the taxing authority until XX/XX/XXXX ) and force placed an escrow on my mortgage. I immediately called, and spoke with someone, told them the taxes had been paid and they needed to work with the tax authority to get a refund. I got another letter on XX/XX/XXXX that I misread ( I thought it said a refund had been received and all was good ). I received a couple others regarding a XXXX payment required and an {$800.00} increase on my monthly payment. I thought the refund had been provided, and I ignored. On XX/XX/XXXX I got an email stating my payment was past due, and checked on my bank site as well as WF site and saw my normal payment had been made. They made another payment to the local taxing authority a few days later! It turns out the letter I misread had a number of statements, and I read the first, the one checked was refund was denied. I've now been talking with WF for 2 weeks. The root cause is that XXXX, an agent of Wells Fargo had sent the XXXX payment without using the XXXX BillID as required. Had they done so, the payment would have been returned, instead it was applied to the XXXX tax bill, which wasn't due at that time. The local taxing authority does not refund unless it is in excess of the amount. I have been unable to get this resolved, in numerous calls, and every call starts back at the beginning, and the person I thought was working my case does not return calls. I just spent another hour on the phone, spoke with 4 different people, and the last one was " getting up to speed '' when the call dropped. They did not call me back.
Consumer complaint received 2019-07-16
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 (TX)

In2018Iopenedapaypalaccount.MyemailaddressisXXXX.ImadeafewpurchasesontheypaypalaccountwhichIpaidmonthly.HoweverinXXXXIgotacallfrompaypalonwhichtheladyinformedmethatmypaymentwasmissing.Isaidthat'simpossiblemyaccountshouldbepaidoff.Shesaidyouhavea{$700.00}balanceIsaidnoshesaidwhatisyouremailIwentaheadtoverifymyemail.ShesaidnotitsXXXX,sheverifiedmylast4ofmysocial.Iexplaineditwasnotmyemailaddress.Shesaidtheywoulddosomeinvestigationandgetbacktome.SolastweekIgotacalllastweekmyaccountispastdueIwasIsaidimpossible.SheinformedmethatIshouldmakeapaymentbeforeThursday.Iwaspuzzled.TodayIreceivedacollectionletterfromXXXXstartingtheyarewillingtosettlemyaccountandthebalancewasXXXX.Withasettlementbalance.IcalledXXXXandshesaidtheverysameemailasmentionedearlier.Idon'tknowwhoemailitis,andcertainlynotmine.Thespellingofmynameiscorrectandaddress.ItriedreachingourtoPayPalreportthisfraudonmyaccount.Ineedhelpinresolvingthissituation.Thisisfraudagainstmysocialsecuritynumberandmycredit.
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

XX/XX/year> I was in XXXX early XXXX/Black Friday shopping I made a deposit in a local branch & stopped at a XXXX XXXX  gas station as the day continues I noticed that my phone was no longer working & my wallet was missing which contained my debit cards & identification XXXX night I was able to re access my Wells Fargo XXXX account to discover $ XXXX of my funds were taken out of my account though a cash app name XXXX XXXX me and XXXX This person have no ties what so ever and have never done any business with said person or XXXX XXXX account Im not sure if I was sim swapped or what I just know that my funds were Stolen these transactions are completely unauthorized
Consumer complaint received 2024-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I'm having an ongoing issue with declined transactions despite making my payments on time, keeping my balance well below my credit limit and numerous communications with Sears/Citibank customer service . There have been random stoppages on the use of my credit card citing potential fraud. This has occurred on XXXX XXXX XXXX XXXX These account only for the times that I have received a text about a potential fraud. There have been other instances where I've received no communication and have had to contact Sears/Citibank . My phone log includes contact with Sears on XXXX XXXX XXXXXX/XX/XXXX ( 5 calls ), XX/XX/XXXX ( 4 calls ) XX/XX/XXXX and XXXX ( twice ) .The automated system makes it cumbersome to reach a live person. Once a customer service representative is reached they are pleasant but ineffective at resolving the issues. The last communication with the fraud department included assurances that extra steps would be put in place to ensure disruptions to the use of the card primarily by my wife, who is an authorized user, would be minimized. I've explained several times that my wife is a traveling nurse and will use the card for daily living expenses outside the area of our primary residence. However, since then my wife on her return home attempted to use the credit card at XXXX in XXXX, XXXX  which was declined. At a gas station, again declined, XXXX declined. During this time I have checked my texts, voicemail and have not received any notifications. On XXXX after speaking with XXXX in the fraud department she explained that there was a charge of XXXX on XX/XX/XXXX that needed to be confirmed. I explained I had reached out to Citibank and confirmed the charge on that date. She acknowledge that there was record of that but that Citibank called me again on XX/XX/XXXX to confirm the same charge but they were unable to reach me. She wasnt sure why I needed to confirm the same charge twice.
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (CA)

I filed a indenity theft report also and contacted 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 2019-07-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

They did not contact me for many years after initial complaint. I had filed a complaint 5 years ago as they threatened me the same way, with a debt that they can not prove or that they did not send me the requested information about the debt they say I owed. XXXX  has sold this debt many times, but they have never proved the debt is mine, or sent me requested documentations regarding the debt, which I do not owe. Time and again whenever the sell the debt to a collection the new company sends out the threatening letter to hurt my credit or sue me, this company just threatened to report the debt to a credit agency, and threatened to damage my credit. The debt is not mine, I have not had any contact, other than the collection and have not had an account with XXXX since 2009.
Consumer complaint received 2024-12-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

XXXX. XXXX, XXXX has been reporting negatively on my credit report since XX/XX/XXXX. However, based upon information provided by the XXXX XXXX XXXX XXXX, I.C. System, Inc. was not licensed to practice in ( the state of my residence ) California until XX/XX/XXXX. Not only did I dispute the negative item in the amount of {$500.00} immediately in XX/XX/XXXX, ( to no avail ), this entity had no legal authority to furnish adverse information to the XXXX ( XXXX ) major credit reporting agencies at its initial reporting, because it was not legally licensed to do so at that time. Their illegal actions have resulted in a negative impact to my credit report. And they are currently reporting a 24 month past due history despite the fact that they were not legally authorized to do so, in addition to the fact that I have never had any financial/contractual relationship with them.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.