davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

On XXXX I got a text from my bank Wellsfargo saying there was a charge of XXXX at XXXX. If I recognize it Y or N. I was in XXXX XXXX and about to board a plane. 
I immediately said N. Then I got 2 unknow calls and a 3rd call that was on my contact list saying Wellsfargo XXXX 
I answered it and the guy already had been in my account telling me about the charges if I made it or not. I told them which ones were mine and which were not. 
I also said I am about to board my plane. 
He suggested I put my account on freeze mode and went on telling me to go on my phone and punch in some number on my key pad. 
I did that and XXXX hours later when I landed I checked my e-mail saw 3 emails from Wells Fargo that XXXXXXXX XXXX  was transferred to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FROM MY ACOUNT TO XXXX XXXX XXXXXXXX. 
I IMMEDIATELY from the airport called the fraud case almost XXXX hours after the original fraud text and opened a case of fraud transfer with Wellsfargo. 
The next morning XXXX XXXX  went to the branch of Wellsfargo and told them this money should be flagged and marked as fraud and totally stop my online banking, They said the money is in XXXX  XXXX XXXX AND THEY CAN NOT AT THIS POINT DO ANYTHING SINCE IS AN ONLINE BANKING FRAUD CASE BETWEEN THE 2 banks. 
I went to the local XXXX XXXX  XXXX and ask them to hold the money till we can investigate since a case was already made almost XXXX hours after the fraud wire was made and was flagged. XXXX  XXXX XXXX said your bank needs to contact online fraud XXXX XXXX XXXX XXXX XXXXSince the XXXX I have been getting the runarounds and all the blames for giving my info to hackers.yesterday I got a letter from WF that said since I Assist in the wire transfer and the funds are no longer available the bank cant give my money back. 
I never assisted any one, I try to stop almost XXXX hours, the system was hacked when I got the original text since they already were in my checking acount.they try to get me via text my user number and password and since I never remember it I could not provide it. 
At this point I am reaching to you and hope you can help me. 
I send letters to the board of directors, I tried to email the district manager, but her Email got back to me. 
The branch people are nice but clueless and I am in big pressure since I want to get a loan and cant borrow money.please help me. 
Thanks
Consumer complaint received 2021-06-10
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. (NY)

My name is XXXX XXXX, My identity was breached. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2020-05-27
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (MI)

I have had a student loan w Nelnet for many years. Right after graduation they convinced me to consolidate so I would have one payment and one account. I did and it locked me into a higher rate then I might have gotten if I had waited. Never the less I have been paying on it for over 10 years and been a loyal customer who will be with them for many to come due to my principal balance. I have a good payment history with them. I made a mistake and un-linked my payments in my online banking and became delinquent. I shred my statements but when I realized that something was amiss because it was alerted on my credit report monitoring I called and took care of the balance that day. I take responsibility for my mistake. However, Nelnet has reported it as two separate loans past due on my report. Basically doubling the impact of the mistake. I have one payment. I understand they have it listed as two loans in their system for their purposes but this is an unfair burden because it has caused a severe impact to my credit score. I asked if there was a way to only report one delinquent or amend it due to my positive payment history. They refuse and are disinterested in assisting me. I have called and spoken to several people- getting conflicting information. I finally spoke to someone in the dispute department and there was nothing he could do. It is preventing me from refinancing my home and is putting my family in a position to overpay. I did not ask them to not report my mistake - only that it should not look like six missed payments on my report only three. This is not the first negative interaction I have had with Nelnet. Years ago I signed up for their automatic payment program and a few statement cycles later my principal increased by several thousand dollars. I called in a panic was informed that in the fine print of the program enrollment that it was one of the terms. I was shocked that that would be buried as a term of a payment agreement. I have little faith in them to do right by people like me who have paid a ton of interest and made no headway with on their loan debt. I am hoping that someone can help me find a resolution so that I can move forward and refinance our home and begin saving for my children to go to college. I do not want them to carry the same burden I have.
Consumer complaint received 2023-02-23
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: U.S. Auto Sales Inc. (SC)

I recently pulled by credit report and noticed credit inquires that i do not recognize, unauthorized and did not consent to. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : US Auto Sales, XXXX  XXXX XXXX, XXXX XXXX  and XXXX XXXX are NOT mine, i do not recognize and did not authorize! these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. This has caused me much stress and anxiety and has had a very negative impact on my life. I will be taking legal action on this account.
Consumer complaint received 2023-02-23
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: JPMORGAN CHASE & CO. (SC)

I recently pulled by credit report and noticed credit inquires that i do not recognize, unauthorized and did not consent to. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX XXXX XXXX, XXXX XXXX XXXX, JPMCB Card and XXXX XXXX are NOT mine, i do not recognize and did not authorize! these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. This has caused me much stress and anxiety and has had a very negative impact on my life. I will be taking legal action on this account.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (OH)

Barclays US - I signed up for Barclays last year under a XXXX point sign up bonus under which I am to spend {$5000.00} in the span of 3 months to receive. 

However, Barclays negligently mishandled my account and applied the WRONG social security number onto my account. We found this out about 2 months in. At which point Barclays LOCKED my account. 

-I had no access to my account, no access through the website and virtually no access to the account through the phone. 

During this time, -I can not use the card -I can not make payments to the card However during this time, Barclays continues to charge me late fees on an account I am not allowed to access or make payments to. 
I submitted all required forms of verification documents, including drivers license, social security card, etc. 
I submitted all such documentation approximately 5-6 times through the fax numbers provided by Barclays. Barclays took an exorbitant amount of time to solve the issue they created when one of Barclays employee 's mishandled my account and it's social security number. 
During this time I incurred late fees totaling : {$170.00} After the account was restored to normal status. I am left with a {$170.00} charge in late fees, the accompanying late payment reports on my credit report, destroying my credit score of over 800, and Barclays refuses to give me the XXXX points which I did spend over {$5000.00} for, after access to my account was restored. XXXX points is equal to {$700.00} in direct value and can be worth over {$1000.00}. 

Barclays messed up and charged me money for it.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( SANTANDER CONSUMERUSA ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

Im submitting you this CFP complaint today to inform you that I have been a victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please have the following accounts removed from my Credit File as soon as possible : XXXX XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX Balance {$29000.00} Originator Creditor : XXXX XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ), As the Credit reporting Agencies, you shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-05-27
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. (CA)

So I applied for a business loan about a week ago and I was told that I did not get approved but I didn't know why then today XX/XX/20 I got a letter saying that the reason I was not approved for the loan was because there were some accounts with negative history ; I had no idea what accounts they could be talking about so I looked through my credit report and I saw three accounts and some inquiries that aren't mine. I don't know why these accounts and inquiries are on my report or who they belong to but I did not give anyone permission to open these accounts in my name. I did not open any of those accounts and I have never had any contract or agreement with the companies I listed on this report. I did not make payments towards any of these account balances nor did I benefit anything as a result of these accounts that were opened in my name. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

# XXXX XXXX I received a XX/XX/XXXX letter from Capital One asking for more info Cap One case # XXXX I called number several times and asked for ext XXXX as to what more info needed that ext was not available in my several calls made to Capital One 's letter The case is designated closed without resolution Please clearly state what info needed so we can resolve amicably
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MO)

On XX/XX/17 ( which is my actual pay date ) Chime withheld my direct deposit saying it was a problem with my employer when I contacted them and I know that not to be true bc my fellow employees got paid and I was the only one who didnt. I tried contacting chime and they never responded. I was paid later that day and no one said anything after some of my payments were declined and additional fees were charged to me. This is not how to run a business and they need to be held responsible.
Consumer complaint received 2023-02-23
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$74.00} ; XXXX XXXX XXXX Balance Owed : {$72.00}
Consumer complaint received 2020-05-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

I have been contacting the California Business Bureau and received a reply that shows they are requesting x2 an amount of a debt collection that was taken out of my record due to it being a duplicate. I wrote a complaint about how they have not been returning my emails or calls and in their response they said they had been contacting me and I haven't been responding. This is UNTRUE and DECEITFUL for this agency and they are trying to collect a debt that isn't the amount from my records. I have spoken with the hospital involved from where my debt originated from, and they replied with the number and address of a DIFFERENT debt collection agency XXXX XXXX XXXX XXXX XXXX than this one and also with a different amount requested. I would like clarity and transparency in what I need to pay off and to what company I should pay it to to get it off my credit report. Neither companies have tried reaching out to me which I believe it to be because of this COVID-19 pandemic occurring but that does not give them a right to straight up lie about them trying to reach me.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DriveTime (GA)

I have attached documents stating that the car company is in violation of my rights. 15 U.S CODE S 1605 DETERMINATION OF FINANCE CHARGE ( a ) FINANCE CHARGE DEFINED EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION THE AMOUNT OF THE FINANCE CHARGE IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTIONS SHALL BE DETERMINED AS THE SUM OF ALL CHARGES, PAYABLE DIRECTLY OR INDIRECTLY BY THE PERSON TO WHOM THE CREDIT IS EXTENDED, AND IMPOSED DIRECTLY OR INDIRECTLY BY THE CREDITOR AS AN INCIDENT TO THE EXTENSION OF CREDIT. THE FINANCE CHARGE DOES NOT INCLUDE CHARGES OF A TYPE PAYABLE IN A COMPARABLE CASH TRANSACTION. THE FINANCE CHARGE SHALL NOT INCLUDE FEES AND AMOUNTS IMPOSED BY THIRD PARTY CLOSING AGENTS ( INCLUDING SETTLEMENT AGENTS, ATTORNEYS, AND ESCROW AND TITLE COMPANIES ) IF THE CREDITOR DOES NOT REQUIRE IMPOSITION OF THE CHARGES IR THE SERVICES PROVIDED AND DOES NOT RETAIN THE CHARGES. EXAMPLES OF CHARGES WHICH ARE INCLUDED IN THE FINANCE CHARGE INCLUDED ANY OF THE FOLLOWING TYPES OF CHARGES WHICH ARE APPLICABLE : 1 : INTEREST, TIME PRICE DIFFERENTIAL, AND ANY AMOUNT PAYABLE UNDER A POINT, DISCOUNT, OR OTHER SYSTEM OR ADDITIONAL CHARGES. 2 : SERVICE OR CARRYING CHARGE. 3 : LOAN FEE, FINDERS FEE, OR SIMILAR CHARGE. 4 : FEE FOR AN INVESTIGATION OR CREDIT REPORT. 5 : PREMIUM OR OTHER CHARGE FOR ANY GUARANTEE OR INSURANCE PROTECTING THE CREDITOR AGAINST THE OBLIGORS DEFAULT OR OTHER CREDIT LOSS. 6 : BORROWER- PAID MORTGAGE BROKER FEES INCLUDING FEES PAID DIRECTLY TO THE BROKER OR THE LENDER ( FOR DELIVERY TO THE BROKER ) WHETHER SUCH FEES ARE PAID IN CASH OR FINANCED. SECTION ( C ) PROPERTY DAMAGE AND LIABILITY INSURANCE PREMIUMS INCLUDED IN FINANCE CHARGE!!!! CHARGES OR PREMIUMS FOR INSURANCE, WRITTEN IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTION, AGAINST LOSS OF OR DAMAGE TO PROPERTY OR AGAINST LIABILITY ARISING OUT OF THE OWNERSHIP OR USE OF PROPERTY, SHALL BE INCLUDED IN THE FINANCE CHARGE UNLESS A CLEAR AND SPECIFIC STATEMENT IN WRITING IS FURNISHED BY THE CREDITOR TO THE PERSON TO WHOM THE CREDIT IS EXTENDED, SETTING FORTH THE COST OF THE INSURANCE IF OBTAINED FROM OR THROUGH THE CREDITOR AND STATING THAT THE PERSON WHOM THE CREDIT IS EXTENDED MAY CHOOSE THE PERSON THROUGH WHICH THE INSURANCE IS TO BE OBTAINEDYOU DID NOT YOU OBVIOUSLY BROKE THE LAW YOU FID NOT INCLUDE THE INSURANCE IN MY FINANCE CHARGE XXXX : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. PHONE : XXXX SEND CHECK BACK OR WE PLAN TO SUE
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (MD)

For the past 2 weeks m & t bank has told my girlfriend she can't have her money or access her account. She has been to the branch several times. They always say they have to send email and wait for response. But evidently nobody cares and doesn't care that she's a hard working XXXX mother with XXXX kids and can't even feed their kids because M and T doesn't care. She tries day after day and M and T is just holding her money hostage. Just another bank that could care less about people and just keep the money and do whatever the XXXX they want with it. It's sad that the government lets banks do whatever they care about and never care about the person they deal with. Why are people still keeping their accounts at this bank. They don't even try to make an effort!
Consumer complaint received 2020-05-28
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. (FL)

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

XX/XX/2023 I wrote Letters to all three credit bureaus telling them that my personal information has incorrect addresses phone numbers and names I even seen my little sisters name listed on my credit report. I told them to remove and I gave a list of my correct addresses name phone and phone number and the information is still listed as accurate and mine also the ssi numbers are wrong I am being ignored and need help with this investigation I didnt give them consent to put that information out there
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (TX)

My personal information was used in identity theft I have never applied or signed for any credit cards, insurance or loans which I am disputing. I currently filed with the FTC and local police authorities both have assigned a case and file number to investigate. I discovered the information on my credit report XX/XX/2023 which I notice XXXX XXXX on my credit report for fraudulent amount XXXX I have called XXXX XXXX with no resolution.