davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

The UNNAPPROVED weekly charges added by XXXX SHORTLY AFTER I XXXX XXXX ; AND MORE ADDED IN XX/XX/XXXX caused a banking balance system trip. THIS IS A COMMON OCCURENCE, THE WEEKLY RECURRING SUBSCRIPTION CHARGE IS A 'BURNER ' TO BANKING ACCOUNTS. THE SOFTWARE I SIGNED UP FOR WAS ONLY FOR A WEEK TRIAL. I HAD AUTORENEW, BLOCKED ON MY ACCOUNT, AS SEEN IN SIMILAR SUBSCRIPTION TRIALS AT XXXX. PEOPLE ALSO ran hotel fees and caused BALANCE reporting delays. Ultimately, the recurring weekly fees stopped the system as they misreported the account. THEY THEN CLOSED MY ACCOUNT WITHOUT ALLOWING DISPUTE CORRECTIONS. THESE ACTS CAN BE TRACED TO THE INDIVIDUALS INVOLVED. 
THERE ARE incorrect/3rd party notifications and, incorrect balance ; leading to charge decline s at POS. I am always aware of my actual balance. There is a wire transfer from XXXX XXXX XXXX for {$10000.00} confirmation XXXX XXXX XXXX ACCT XXXX I have not received this transfer. There are many XXXX refunds. Total ing {$4000.00}. I have confirmation of these refunds ; but ; they were not reported. I have XXXX in my account in XXXX. I know incorrect reporting has caused my entire balance to be inaccurate. Also a refund from XXXX XXXX for {$3200.00} was not reported. I have email confirmation of all refunds and the wire transfer. They were never reflected on my Wells Fargo account. Please insure my deposits. My account number : routing : XXXX account : XXXX Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE A PDF DOWNLOADED FILE OF THE ENTIRE BANK STATEMENT. IT SHOWS RECURRING CHARGES ON ALMOST EVERY LINE. I DID NOT AUTHORIZE THESE. unauthorized people WERE USING MY FUNDS THE ENTIRE TIME. NOTE, THERE FOOD CHARGES FROM THE START IN XX/XX/XXXX ; I DID NOT EAT AT THESE PLACES ; NORE WOULD I SPEND {$190.00} AT A XXXX. THERE IS A {$3000.00} SMOKING FEE. THEY BLATANTLY MISREPORTED TOTAL BALANCE. XXXX PARKING ATTENDANTS ALSO INVOLVED. 
I HAVE HAD {$55000.00} STOLEN SINCE XX/XX/XXXX. {$32000.00} SHOULD BE MY BALANCE. BUT EVERY CHARGE WAS MANIPULATED. I AM PULLING THE STATEMENTS FROM XXXX ON. AND MY XXXX EARNINGS DEPOSIT AFTER I WAS LAID OFF IN XXXX. THAT WAS DONE BY THE SAME. I PAID ALL OF MY BILLS FORWARD WITH IT. MY CREDIT WAS BACK TO XXXX BEFORE THEY BEGAN BLOCKING ALL OF MY INCOME SOURCES .THIA WILL ALL BE RESTORED WITH AUTOMATION. IT IS IMPORTANT TO CHECK YOUR ONLINE STATEMENTS REGULARLY.
Consumer complaint received 2024-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (ID)

For XXXX weeks I have tried to get Wells Fargo XXXX XXXX to let me use my rewards. I have over {$500.00} of rewards showing on my Wells Fargo account but when I go to my XXXX account it doesnt show any. For over XXXX weeks they keep blaming it on the other company ( wells Fargo and XXXX ) and say they are escalating this. Nothing ever happens or is getting fixed and they are playing me in circles. Wells Fargo has admitted they see my rewards but wont let me use them. Ive tried everything and every time I call back they just say theyll look into it. We are almost to a month of dealing with this and they dont care.
Consumer complaint received 2020-11-20
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)

I have asked XXXX, XXXX  and Equifax to remove erroneous bankruptcy information from my credit report multiple times. Nothing has been done. There is a chapter XXXX that is being reported with the incorrect middle name because it was filed with the wrong information. I would like for it to be removed.
Consumer complaint received 2020-11-20
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: TekCollect Inc. (PA)

I recently challenged the validity of TEK-COLLECT INC ( Original Creditor : XXXX XXXX XXXX XXXX AS ) - XXXX ( Collection ) account that's being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA (SC)

First Bankcard sent a letter dated XX/XX/2020 stating that the credit limit on the card was changed to {$500.00}. The card had been issued with a {$800.00} limit. 

First Bankcard 's Customer Service was contacted by telephone regarding this matter on XX/XX/2020, requesting restoration of the limit to {$800.00}. The Customer Service agent stated the limit could not be changed for at least a 90 day period, and stated that it was a program-wide decision, not based on individual usage or actions. 

I reject these account changes and request that the limit be restored to the original {$800.00} amount. 

For wider context, there are news reports that companies engaging in this practice are likely motivated by the COVID-19 pandemic, although the Customer Service Representative did not mention this during the call. Constricting credit access to consumers during a time of crisis constitutes unethical behavior in the marketplace.
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MI)

I C Systems is trying to collect the amount {$1500.00} and has is on my credit report as collection. 
The actual account is XXXX ( electric company in XX/XX/XXXX ) the Service address is XXXX XXXX, XXXX, XX/XX/XXXX XXXX. Service date : XX/XX/XXXX through XX/XX/XXXX. 
****I never lived that address. During the service dates I lived in XX/XX/XXXX. I moved into my Apartment in XXXXXX/XX/XXXX XX/XX/2018 and still currently reside at the same apartment. 
I have NEVER given any permission in my lifetime for anyone to use my name, ss number or any information to obtain services or anything. 
***I do NOT owe this company for this amount. 
I contacted XXXX and they still say I will owe it. I filed a dispute through XXXX and the I C Systems states I still owe it. IT IS NOT MY ACCOUNT I had XX/XX/XXXX put out an alert for my id to be seen physically before anyone can use my info at all. I hope this helps but for this XXXX account ( REF # XXXX ) I want fraud placed with this account Thank you, XXXX XXXX
Consumer complaint received 2024-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Three weeks ago, I wanted to transfer a Roth IRA CD from Truist Bank to another bank ( XXXX ). I was working with a rollover specialist in XXXX to get this accomplished. He informed me that I needed to have Truist write a check to XXXX for the amount in the XXXX to rollover the account. Both the specialist and I were given the runaround for over a week, and we almost missed the grace period. I visited my neighborhood XXXX XXXX branch of Truist three different times ( once with the specialist on the phone ), and each time I was told that they could not write the check. However, when the specialist and I called Truist Customer Service ( twice ), we were told that the rollover could only be done in the branch. The last time I was in the XXXX branch, the manager yelled at me and again insisted that the branch could not help. Desperate, because time was almost up, I tried another branch in XXXX XXXX, and thankfully the representative there arranged the rollover within XXXX minutes. I am making a formal complaint against the XXXX branch, and especially against the manager/head banker there : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> in XXXX, Florida.
Consumer complaint received 2020-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

SOMEONW STOLE MY INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME, THEY EVEN WENT SO FAR TO PAY ON THE ACCOUNTS UNTIL I REPORTED IT TO THE FTC AND THE XXXX POLICE REPORTS. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED : XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX XXXX XXXX XXXX, XXXX OPENED XX/XX/XXXX XXXX XXXX  OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/XXXX
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

Chime bank does not allow adding most banks as external bank accounts on their site/app, as well as adding Chime as an external bank account on other banks platform or allow the other bank to validate Chime via trial deposits. 
Even when I am able to finally add ONE external bank on their site, it can not be used as the source account to transfer funds into Chime. Ridiculous!! 

Also, their mobile app provides the capability for mobile check deposits but they do not accept checks. Really? 

They do not have any kind of phone support. Not sure which part of the world their email support is outsourced to, but the reps have no knowledge of how their own bank operates and can not answer any question or address any issue.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

On XX/XX/2020, Equifax received my dispute of account number XXXX, { {$3000.00} }, with agency number XXXX with Equifax XXXX I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in  violation of the law by not providing a response to me, providing Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNCOAST CREDIT UNION (FL)

On XX/XX/XXXX funds were taken out of my account as instructed through online billpay. The amount was XXXX which went to XXXX XXXX  and was received on XX/XX/XXXX. The funds have yet to be located by XXXX XXXX and my XXXX payment has yet to be posted to my account. XXXX XXXX   has the trace number and this has been an ongoing issue of researching where the funds went and they have yet to resolve this. I filed a complaint to suncoast fcu for them to put the missing funds back in my account so that I can pay my mortgage and to this day they have yet to do this. I desperately need my funds to pay my mortgage and avoid foreclosure. I have been receiving debt collections notices and foreclosure threats along with being reported as 30 days late to the credit bureaus. I reached out to them about two weeks ago and there is no time frame of when I can expect to have my funds placed back in my account. I asked if this could be expedited and was told I would hear from them within 24 hours and its been weeks now.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Public records the court itself did not furnish any of this information to the credit bureaus. But what I do know is that the bureaus get public records information from companies ( a.k.a. Data miners ) like XXXX, or sometimes XXXX. These data miners are for-profit companies that are in the information-selling business. They regularly collect public records information into their database and then they sell it to the main 3 credit bureaus., because it is a violation of the Fair Credit Reporting Act to report false information .Date contact them XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-10-11
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. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-11
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. (UT)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2020-11-20
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. (TN)

XXXX should not be reporting to Equifax and XXXX  an outstanding balance in the amount of {$5300.00} as well as reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of the letter from XXXX dated XX/XX/2018 showing this account has been paid in full. I have also attached as additional proof that this account is paid in full, a copy of my title to the vehicle. This false reporting of a balance due and lates is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts :
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The current balance on my student loans is reporting incorrectly as well as the Debt-to-Credit ratio is currently reported inaccurately. I wrote a letter to the Department of Education and XXXX XXXX, my loan servicer to update the record but it has not happened.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

After a couple months of getting things in order on my credit reports, I applied for a discover secured card on XX/XX/2020 for which i was approved! Great right? Wrong! After Discover approved my application, I received a link for to have my identify verified through XX/XX/XXXX. During this time i had no access to the online platform or anything. After I sent my information to verify my identity i was told my account would be closed. WHAT! Thats absurd! Theyve already placed an inquiry on my credit report, which in return i lost a few points. They also already reported the account on my credit report which also caused my credit age to decrease.. which also caused a loss in points. This is ridiculous! So i have to deal with a new closed account on my credit, a new inquiry and i have 2 wait 2 whole months just receive my deposit back?! I didnt take that long for them to withdraw the deposit, so it shouldnt take that long to release it!
Consumer complaint received 2024-10-11
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. (SC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.