davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

In the month of XXXX, I sent my rent over to my landlord, and it was cashed up to my understanding. But later on, I realize that it was cashed by someone fraudulently it was not who my check was originally made up to it was made to a completely different entity, which I send out every month as you can see it is XXXX XXXX XXXXXXXX and it was cashed by XXXX XXXX what you could also tell that the check was altered from who it was originally sent you if you were to compare from the other checks from my previous months, you would see the difference and in my current months, he would also see if the check would be checked number XXXX and all Im looking for is a solution to be able to get my money back and have this rent paid. If not, I will definitely look into small court to be able to get this solved, and it wouldnt be any more for the amount on the check, it would be for more because I am being charge late fees from my landlord because of this matter. I have never made out a check to XXXX XXXX, so the fact that it is being mentioned that the check does not look altered. Please look into the check that was deposited and compare it to the previous checks of my rent which everything else matches perfectly except for the fact that the name was changed. There is also a report that the mailbox mail was stolen on the day that my check was put in the mailbox as this happened to another tenant in my building. Wells Fargo was not up to par protecting my funds as sometimes my debit card gets flagged for even two dollars that I charge for fraud and it couldnt flag a check of over {$1000.00} made out to someone Ive never made out a check to. I request this to be fully investigated as XXXX XXXX has no relationship to me, and all my checks that have been sent to my right as it is shown at the bottom for XXXX rent it was not specified for anything else and it comes to be the same amount that it is every other month.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

*USING EOSCAR IS NOT A COMPLETE AND ACCURATE FORM OF VERIFICATION. DO NOT USE!!! 

XXXX XXXX UNVERIFIED ACCOUNT
Consumer complaint received 2020-05-04
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-12-14
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. (GA)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XXXX/XXXX/2022, we received an email stating our bank WELLS FARGO thought maybe some fraud was happening with our account, but we did not see this e-mail until the morning of XXXX/XXXX/2022, at which time my husband XXXX called and then went to the bank to address the issue. He advised we were not making any wire transfers to anyone at XXXX XXXX XXXX XXXX using a name that was provided to us from the bank. and that they needed to stop one ( one was created for XXXX XXXX ) in the process that began on the XXXX. During the time at the bank this person was trying to wire 2 other transactions, one for XXXX XXXX and another for XXXX XXXX. They close the account down and were going to send a new bank card, and " look into it '. Time past and when XXXX contacted the bank because he never received the new card, he was advised there was no fraud, he again said this was untrue, and we thought the bank was doing their part and working to get us our money back as they said they would. XXXX was in contact with one person ( XXXX XXXX XXXX in XXXX that had pulled up the phone recording of the person that committed the fraud trying to gain access to our account, and she advised oh yes this is not you XXXX XXXX. Due to a rep on the call the said person gave supposedly some information that allowed them access and set up a new username for our account. Time went by and XXXX took ill and returned to someone else closed the investigation. She then gave it to her supervisor ( XXXX XXXX to reopen as she knew it was fraud and again it was closed. We found this out in XXXX when I said we needed to go to the bank to see what is going on XXXX I requested he make an appointment with the bank to see what is going on. Then that is when we were told the case was closed. In XXXX  we were advised to make a police report as well as file with the FBI we did all that. We did not allow anyone to access our online bank account and remove money via a wire transfer in the sum of XXXX XXXX We are hoping this complaint will be seen and someone will do their part to make this right. If WF acted in a timely manner our money would have never been released. They were advised before XXXX on Friday XX/XX/XXXX this was fraud, they did not contact the bank the wire was going to until Monday XXXX XXXX, you really think a thief was leaving the money in the account? They claim because this was done thru online banking the funds were not FDIC insured. And would not be given back to us. We even spoke with XXXX XXXX XXXX XXXX and they could not find the name of the person to have held an account that was getting our money.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Selene Holdings LLC (IL)

On XX/XX/2021 I had ordered a payoff for my mortgage with Selene Finance. 
I had explained that I am selling my house and the closing date is XX/XX/2021. 
I was told that it takes 5-7 business days to get a payoff. I said fine. On XXXX had called again inquiring about the status of my payoff. They said that in the next 1-2 days I will receive it ... .... 

The closing is tomorrow, and Selene Finance is denying my right to sell the house by not providing the payoff letter. There is no pre-payment penalty on my loan. 

Please, help me out close on my house tomorrow. 

Thank you XXXX XXXX
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION (CA)

I have been banking with Simple XXXX since 2015 and have been really happy with their budgeting tools. But I am now seeking to access my funds to purchase a home and have had significant issues with customer service responses and times. I have 2 days to send a deposit and simple has not transferred the funds on the date they promised to my other bank account so that I can wire the deposit. I have over XXXX in limbo ( no longer in my account ) but not in XXXX XXXX records ( the receiving bank ). I have called customer service and waited on the phone for a total of over 4 hours. No one has answered. Ive sent messages online and received a few very unhelpful responses. I am close to breaching my contract because I can not find out where the XXXX I sent actually is and they are not answering the phones.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (PA)

Checked on line to make a payment on my Chase cards only yo find out they decreased my line on the one by over {$4000.00} and the other by {$2000.00}, Chase Freedom and XXXX respectively. Did NOT get ANY type of notice whatsoever. Contacted Chase, they stated I have too much credit usage, my credit cards are paid off except for two which I had to use because my wallet got stolen along with my checkbook and debit card so I had to use my credit cards til things got straightened out. I plan on paying those cards off. They also commented about what I have going out, they have NO IDEA what my income is. I have NO problems paying bills. I'm a travel nurse and they would be surprised what I make. They violated the Truth in Lending Act and I demand they restore my credit lines to what they were. Not only that, my credit report us locked. How did they get my info without my permission????
Consumer complaint received 2022-06-13
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. (MI)

On date XX/XX/2022, I sent XXXX, XXXX and equifax a letter disputing the validity of my bankruptcy they are reporting on my credit report. They responded with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX  could not verify this item so they deleted it from there database. 

I then went back to XXXX, XXXX and equifax on XX/XX/2022 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified their item it need to be deleted regarding to the FCRA. They have once again refused to delete item which is Imploding on my ability to purchase a home and costing me lots of money in interest every year. I also asked them to delete addresses that were incorrect on my credit with proof that Ive never stayed there and they still refuse to delete it. 

The addresses and bankruptcy needs to be deleted from my credit report if it cant be verified within 30 days. Its already hard enough out as is and they are making things harder for not only me but my children due to reporting false information. Addresses that does not pertains to XXXX XXXX needs to be deleted and so does the bankruptcy
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (NV)

US Bank charged an Analysis Service Charge in my business checking account with them without any reason. 
I called an spoke with a very rude Manager, her name is XXXX XXXX ( Customer Service Manager ) I asked information but she refused to provide information because she said that she can only have access to a personal checking account, not true because I called before to the same customer service and they assisted me with my business account issues. 
Next day in the morning I called and spoke with an agent in the business customer service depto, he said that fee was charged by error in my account and he would request for a refund. 
I waited 2 days with my account overdraft and the fee was not refunded, I am not able to call the business depto because they working hours matches with my working hours and when I finish my work they are close, so the day that I had to call them, I called off to my work losing profit because the issue that US Bank caused me. 
After waiting 2 days for the refund I called Us bank again and the same lady XXXX XXXX came to the line more rude than the first time and I just was looking for answers of why I was lied before about the fee refund. 
I lost money not working because this issue and still not resolved. So probablyI will have to call off tomorrow against just to call Us Bank to see what is going on with that Analysis Fee which is not included in the fees description at the time of my account was open.
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 information incorrect
Company: Charlottesville Bureau of Credits, Inc (VA)

I PAID VALLEY CREDIT SERVICE IN FULL AND THEY PROMISED TO REMOVE IT FROM ALL CREDIT BUREAUS AND DID NOT! I PAID IT IN FULL XX/XX/2020.
Consumer complaint received 2021-06-08
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: BARCLAYS BANK DELAWARE (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (TX)

A fraudulent account was in process of being opened in my name and PNC Bank has not given me written notice that the account is closed, inactive, and will never appear on my credit report. I sent an FTC Identity Theft letter and never received any response.
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: Experian Information Solutions Inc. (NC)

I have a bankrupty on all 3 of my reports. I have never had a bankruptcy. I filed one then went back within 3o days and withdrew it. I feel it is unjust and it has caused me severe hardships so much that I couldnt care for my dad so he passed. I went XXXX  and stayed XXXX for years because I couldnt find decent housing. It is not right or fair for me or anyone to hav e to go thru the same harsh punishment for filing a bankruptcy but never being declared or more less, never going in front of a judge. Just never persuing it at all, and a person that filed, went to the judge, got their bills erased, was declared bankrupt, and was under the laws of bankruptcy and eventually was released. It is unjust for the two different scenarios to have to go through 10 years of negative reporting. why does the credit bureau have the right to tarnish me and my name for something that never took place. Filing and being declared bankrupty is 2 different things. Filing to be declared bankruptcy isnt what I had or have. I filed just to start paperwork however, never finished the paperwork and was never declared. Yet my life has been ruined in many areas for the past 9 going on 10myears. Why do the bureaus have the right to abuse their power and who gives them this right? My life ruined because of power and money. They have no idea what it has done to my XXXX XXXX. my XXXX XXXX, and my financial health.
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (MI)

I have reached out to XXXX numerous times. Regarding an account XXXX also know as XXXX. This account is reporting unlawfully. I have sent letters in regards to this issue. This account should be removed from my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a bankrupty on all 3 of my reports. I have never had a bankruptcy. I filed one then went back within 3o days and withdrew it. I feel it is unjust and it has caused me severe hardships so much that I couldnt care for my dad so he passed. I went XXXX  and stayed XXXX  for years because I couldnt find decent housing. It is not right or fair for me or anyone to hav e to go thru the same harsh punishment for filing a bankruptcy but never being declared or more less, never going in front of a judge. Just never persuing it at all, and a person that filed, went to the judge, got their bills erased, was declared bankrupt, and was under the laws of bankruptcy and eventually was released. It is unjust for the two different scenarios to have to go through 10 years of negative reporting. why does the credit bureau have the right to tarnish me and my name for something that never took place. Filing and being declared bankrupty is 2 different things. Filing to be declared bankruptcy isnt what I had or have. I filed just to start paperwork however, never finished the paperwork and was never declared. Yet my life has been ruined in many areas for the past 9 going on 10myears. Why do the bureaus have the right to abuse their power and who gives them this right? My life ruined because of power and money. They have no idea what it has done to my XXXX XXXX. my XXXX XXXX, and my financial health.
Consumer complaint received 2020-11-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

2 years ago in XXXX i was contacted by an office which they did provide informatio. Saying someone would be at my house to summon me for the money owed to Ace cash express, for the amount of XXXX made plans to have a payment plan of 3 payment money was taken from my account. Now today XX/XX/2020 i again get a call saying i will be taken to court for the amount i refuse to pay. Was told court date is XX/XX/XXXX but was not informed where, if i owed i would pay but i fix that situation. Either with a creditor or 3rd party.
Consumer complaint received 2020-10-21
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. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2023-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

XX/XX/XXXX, a cash app amount of {$400.00} was sent to an individual for a purchase. I never received my purchased a false tracking number was created and sent with no updates. So the charge was fraudulent and turned out to be a scammer using a fake identity of someone else. Reach out to my bank and they couldnt help since it was through cash app. Reach out to cash app but they dont give refunds. Something needs to be done about them not returning people funds when stuff like this occurs. The scams always get away with people funds. Thats not right to get free money off working people.