davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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 (MS)

On the XXXX I had my phone stolen by a man following us he saw I had opened banking apps. He stole my phone ran transferred money from my bank to 2 apps open XXXX and XXXX XXXX then to himself. The police recovered it while charges were pending and I placed a police report! I called the bank they promised me I would get my money back. They waited a month then after I did all the work to prove fraud! It was fraud Im on social security the bank manger promised me and even gave me XXXX $ back. Then they said they wouldnt help me. Took the XXXX $ back out XXXX older with XXXX kids. I never make charges they knew it was fraud now Im negative XXXX XXXX I have no money. Im XXXX and have nobody. Please please please help me
Consumer complaint received 2022-04-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (PA)

On date XX/XX/31 my credentials were lost on a night out and I was unaware. Per 15 USC 1693f ( a ) ( 2 ) I notified the financial institution ( Chase Bank ) regarding an error on my account from an unauthorized transaction. Under 15 USC 1693f ( e ) ( 1 ) ( a ) the financial institution did not make a good faith investigation of the alleged error, due to the fact of me having this same issue prior with my debit PIN number being written on the card for health reasons, Ive informed Chase Bank numerous times of this in which it should be notated. As well as the Digital Wallet feature not connecting my debit card to my apple wallet which would prevented this entire situation, I conveyed this information to the CSRs & the local branches, to no avail. My prior dispute/claim had the same incident and it was granted in my favor which Im also seeking an answer for as to why they encountered a problem this time. Ive been violated of my rights and would like a fair and proper investigation into my claim as I did not complete nor authorize it and Im seeking the funds and damages Ive lost within this claim per 15 USC 1693m
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I checked my online Bank of America XXXX unemployment account and found that {$15000.00} was stolen from my account. In reviewing the transactions, I saw that three unauthorized withdrawals for {$5000.00} each occurred on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called and reported this to Bank of America immediately on the same day. 
I did not authorize those transfers and my transfer-to account does not show receipt of those transfers. I do not know to where the money was transferred. A claim was opened and I was told it could take up to 45 days to resolve. I called the bank today, XX/XX/XXXX, to follow-up and was told that my claim was denied and no explanation was given. I filed a complaint and submitted a request for reconsideration, knowing that there could not be any possible evidence to find me liable for this theft. 
I spoke to a bank supervisor who reopened the claim and said it is unacceptable that there is no explanation and he told me to file a police report which I did. I have been calling 2 to 3 times a week and filed complaints and yet nothing has been resolved. I have faxed them the police report, the FTC ID Theft report, a written statement, and my photo ID. 

The written agreement with the bank says that I am zero liable for fraudulent activity and I know that I did not withdraw those funds, but the bank still to this date XX/XX/XXXX, has not restored my money and I am in financial hardship because of it.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (GA)

My credit Card was charged off for 2-3yrs. The pandemic started and I lost my job and have been unable to make any payments. I received my stimulus and tax refund for my kids to get us out of XXXX  onto my XXXX card and transferred it to my NFCU checking and then into savings. {$4600.00}. I finally found a home For me and my XXXX and when I went in the account to transfer the money out my savings to pay my deposit and 1st mo Rent I noticed they took {$4000.00} and left me with {$600.00} which I can not pay any of my priority bills with therefore leaving me and my kids XXXX  yet again. I reached out an the counselor in that XXXX asked me to send him proof that this was my tax refund/stimulus and hell reverse the payment. I sent it that same Day and I have yet to receive my money. The govt gave this stimulus money for pandemic relief. NFCU offers pandemic relief for their customers. How can you offer pandemic relief but be the cause of financial Hardship?!
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

in accordance with the fair credit reporting act XXXX account for XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-04
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-04-04
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: Premium Credit Bureau (GA)

On XX/XX/XXXX, XXXX XXXX XXXX  pulled a hard inquiry on my credit without my consent. I signed up for their services for credit repair but instead, they messed up my XXXX and XXXX credit score even more. I called them on XX/XX/XXXX to have it removed ; they told me in the confirmation email I received in XX/XX/XXXX that it states their services require a hard inquiry. I read them the email, and there was no indication of hard inquiry. So they told me to dispute it through XXXX and XXXX. I recorded the phone.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (KY)

XX/XX/XXXX someone opened a checking account in my name through BMO I was sent 5 letters in the mail from BMO telling me to call they're fraud department -when I called they shared with me someone open the checking account in my name XXXX XXXX XXXX identity theft
Consumer complaint received 2022-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

XX/XX/2022 - 4 XXXX transactions were made each for {XXXX}. one transaction of {XXXX} was sent to a close friend without my permission. I received that {XXXX} back from him. The other {XXXX} was sent to an unknown person. 3 separate transactions of {XXXX}. 
XX/XX/2022 - The day I was notified by my friend that he received that amount of {XXXX}. This is when I contacted Wells Fargo. I placed a fraud claim with Wells Fargo. 
XX/XX/2022 - I received a letter from XXXX denying my claim. Stating " We have determined that the transactions were made by you, or someone who had your authorization. '' XX/XX/2022 - I appealed this claim and asked for all investigative information as to why it was denied. 
XX/XX/2022 - I received my Right to documentation Package. All that it includes is " Account login history showing the customer 's geographical location when login was completed, IP address and other identifying electronic device details. '' and the claim denial letter stating " Claim denial was due no evidence supporting unauthorized transactions. '' Wells Fargo has failed to support evidence/ reasons why my claim has been denied. I had no association with the person that received these funds from my account. Wells Fargo took longer than 10 days to investigate and give an answer on this claim. 

I am asking for a refund of the {$XXXX} that was lost.
Consumer complaint received 2022-04-04
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-04-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

on XX/XX/XXXX, I noticed that several inquries through Capital One Bank USA, Capital One, American Credit ACCEXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX were applied to. I personally have nit applied for new lines of credit. I reached out to all the creditors to have these inquries removed but they gave me a hard time. They suggested that I dispute these matter via the CRAs ( credit reporting agencies ). I would like these inquries removed. Next, on XX/XX/XXXX I see that XXXX XXXX XXXX has an inquiry. I too would like this removed from my credit reports as I did not apply for any new lines of credit.
Consumer complaint received 2016-12-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a checking and credit card account with Bank of America. I was called on XX/XX/2016 by BofA Collections. I authorized a payment of {$110.00}. On XX/XX/XXXX I was notified my acct was overdrawn. I checked on XX/XX/XXXX an illegal transfer of {$220.00} was taken out of my account and applied to my CC. 
On the XXXX the {$110.00} was transferred out. I called BofA and their CS Rep stated she will xfer the {$220.00} back in 1-2 bus days. I waited a few business days and nothing. I filed a fraud report, the rejected it since they did n't loose any money, I have the letter. Collections stated it was pending the transfer takes up to 7 bus days. Several other business days went by. I called fraud to dispute their letter. They needed to do an internal investigation if an employee is making these transfers illegally to get his collectable number up. That rep stated she would have her manager transfer the money in 24 hours and they would look into it. Many days later I still have not seen the transfer. I believe it is a bank directive to have their employees bring their collectable numbers up by what ever means. I warned several people at BofA that this is worse than XXXX falsifying accounts. 
This was theft and at a large scale, grand larceny. Please investigate. I would like the money transferred back and I will decide on the next payment. This inconvenience caused me me to be late on a lease payment and I had to sent {$40.00} more.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

Please Please Please Help Me I have submitted dispute letters to XXXX XXXX asking for incorrect and inaccurate information to be investigated and removed. THEY WILL NOT COMPLY with the law of FCRA. its been 45 days and no response. i have asked for names/addresses of entities reporting inaccurate info on my consumer report for 3 years now and i haven't been given no response to my request. Example : if XXXX Co submits reports on me then i need to know its XXXX XXXXand there address and phone contact. Equifax responds to me 3 months later after i requested a investigation into a child support on my consumer report with " The Child support on your report has not been changed because the Company '' that reported it verified its accurate ''. Child support doesn't submit ANY info to consumer credit bureaus. So who is this " Company '' Equifax is referring to. AND WHY IS EQUIFAX BEING SECRETIVE ABOUT WHO IS REPORTING INACCURATE INFO ON MY CONSUMER REPORT. AFTER I HAVE ASKED FOR INFO/COMPANY/ADDRESS/POINT OF CONTACT BUT EQUIFAX IS REFUSING/AVOIDING TO FURNISH THIS INFO TO ME THE " CONSUMER '' Equifax SOLE PURPOSE IS TO FURNISH UNVERIFIED INFO ON A CONSUMER REPORT WHERE ITS A VIOLATION OF THE LAW CAUSE THEY ONLY SEEK A PROFIT FROM REPORTING. CAN YOU PLEASE HELP ME OR PLEASE PLEASE PLEASE REFER ME TO LEGAL COUNSEL ASAP. ENOUGH IS ENOUGH. I REFUSE TO LET EQUIFAX TO CONTINUE RUIN MY LIFE FOR FAILING TO " OBEY THE LAW ''. i HAVE ATTACHED LETTER THAT I SENT OFF ON XX/XX/2022 AND IT IS NOW XX/XX/2022 AND STILL NO RESPONSE. AND IF I DO RECEIVE ONE IN WILL BE NEXT MONTH AND THEY WILL NOT INCLUDE ANY INFO I ASKED FOR. ONLY EVASIVE ANSWER SUCH AS " '' The child support on your report has not been changed because the Company '' that reported it verified its accurate '' I NEED TO KNOW WHO THIS " COMPANY '' IS SO THAT I MAY ADDRESS MY GRIEVANCES WITH THEM AS WELL AS EQUIFAX .PLEASE HELP
Consumer complaint received 2022-04-04
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. (IL)

Dear Sir or Madam : Theres inaccurate and incomplete information listed on my credit report. I have made multiple attempts to get this information resolved! Ive been ignored with no response! Im requesting that the following information thats appearing on my credit report be removed at this point. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fu
rnish an account without my written instructions.
Consumer complaint received 2022-04-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (ND)

In my divorce proceeding my ex-husband was awarded the property granted he was able remove me from the loan. I was required by Freedom Mortgage to provide a quit claim deed before they would begin the process. XX/XX/XXXX a Quit Claim was filed wit XXXX XXXX Recorders. From the months of XXXX and XXXX Freedom Mortgage provided Promissory Note documents with errors five times to my ex-husband XXXX XXXX reportedly five times. Finally end of XXXX documents were approved. I was required to provide 2 separate notaries for the initial quit claim deed as there were error on the notary document provided by Freedom Mortgage. XX/XX/XXXX The Veteran 's Administration release me from the loan, documentation was provided to Freedom Mortgage on XX/XX/XXXX. Once the Promissory Note was approved the Assumption documents were prepared. Again requiring several attempts to provide XXXX with correct documents. XX/XX/XXXX both XXXX and I signed separately, the Assumption documents with a Notary and returned overnight to Freedom Mortgage. Freedom Mortgage notarized the documents on XX/XX/XXXX. I spoke with XXXX in the Assumption department who confirmed I was removed from the loan and proceeded to remove my access to the Freedom Mortgage loan portal stating I was not longer on the loan. As of today XX/XX/XXXX I am still legally responsible for this loan per XXXX, XXXX and XXXX. All have denied my disputes, I have spoken to Freedom Mortgage weekly since XXXX of XXXX. I have filed a minimum of 4 escalation complaints and currently working with manager XXXX XXXX and have file 3 escalation complaints with her. All conversations have been recorded by Freedom Mortgage as well as emails via the customer portal providing documentation in a timely manner. I have spent {XXXX} in legal fees due to this situation trying to protect myself due to false information and inaccurate information from customer service, had to fly from North Dakota to XXXX California to appear in court over the matter of the quit clam deed and loss of ownership of property prior to being released form legal financial responsibility. As well as time off work and the emotional stress and anguish. My credit has been held captive by Freedom Mortgage.as of today, XX/XX/XXXX I have confirmed via online service and phone call with XXXX at XXXX that no documents, no Assumption, Promissory Note have been received at the XXXX XXXX Recorder office to remove me from financial responsibility. Also XXXX and again XXXX Freedom Mortgage reported negatively on my credit even while protected under COVID Forbearance.
Consumer complaint received 2022-04-04
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. (LA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

On XX/XX/XXXX I made a payment of {$500.00} from my savings to my credit account. This payment ( unauthorized ) was doubled totaling {$1000.00} while only {$500.00} went to my credit account. Thus {$500.00} disappeared from my account, no one knows what happened or where that money went. Upon me trying to resolve this through the bank, they took the {$500.00} payment I DID intend to make on XX/XX/XXXX and transferred back into my savings, raising my credit balance, making me at great rest for extra fees, and lowering my credit score. Then I tried calling again to resolve said issue ( s ) and a few days later they took YET ANOTHER {$500.00} from my credit balance to resolve the issue, this one was on XX/XX/XXXX. Again, I DID NOT AUTHORIZE THEM to move any of this money. Now {$1500.00} is coming and going from my various accounts, unauthorized. On XX/XX/XXXX I got an email saying they deposited {$500.00} into my account and that the issue was resolved. THEY DID NOT DEPOSIT THE MONEY INTO MY ACCOUNT. Upon trying to talk to them about this they were rude, unhelpful, not understanding, and upon me asking to talk to a higher up or a specialist, they would transfer the call back to a base level customer service person, in which they would make me explain what Ive explained to now 8 different people within Capital One, been on the phone for HOURS with no help, no information about what happened to my money or why they were going into my accounts and moving money around.