davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX WELLS FARGO XXXX XXXX WELLS FARGO XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2022-07-16
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. (TX)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I believe that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXXXXXX Balance {$600.00} XXXX XXXX XXXX XXXXXXXX Balance {$7200.00} XXXX  XXXX  XXXX  XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX XXXX Balance {$4600.00} XXXX  XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX XXXX Balance {$5700.00} XXXX XXXX XXXX XXXXXXXX Balance {$2900.00} XXXX  XXXX XXXX  XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX XXXX Balance {$2800.00} XXXX XXXX XXXX  XXXX Balance {$2300.00} XXXX  XXXX  XXXX  XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX XXXXXXXX Balance {$5800.00} XXXX  XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Balance {$4100.00} XXXX XXXX XXXX  XXXX XXXX Balance {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$7500.00} XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}, must be updated to reflect accurate information on my Credit File.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NV)

I tried for the last 2 days to switch my email address that is registered from One bank to another. This is never a problem as stated in the app for Citibank in the process it states that it is currently registered with this particular Bank. Would you like to switch it and confirm having it registered with Citibank? Upon choosing? Yes it should set up and configure just like it does on my other five Banks. But this isn't isolated incident as I explained to the CSR and his supervisor at a call center and that I can in the matter of 5 minutes which both my email and phone number which are registered with other Banks in XXXX to other banks with no problems and that this is only occurring with Citibank. He tried to blame it on the other bank which is baloney and it even tells you in your app that it's registered with the other bank. Would you like to switch it and you hit yes and then at that point they fails and then they try to tell you to call and I called and wasted my time and they helped me with nothing. This is not the first time I've called Citibank and gotten bad information. Since this account has been opened and I continue to be told things that are not true, they should not be allowed to waste the customer 's time like this and leave people hanging while your money is sitting in their accounts and can not be used
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

I asked Chase Bank to dispute my transaction as I noticed it was a fraud or scam. I did the transaction on XX/XX/XXXX, and I called XX/XX/XXXX as it was closed on weekends, and I just realized on Saturday night. I called them on Sunday, but the bank said I should call them on Monday. After I explained everything, including the scene of how I got scammed, they said they couldn't dispute that. They said because I authorized the transfer, so they can't refund that money. The scammer 's motive is pretending to be a subleaser by sending a check to secure her spot. The scammer wanted me to send the rest of the money, as the check was larger than the rent fee. I sent {$1000.00} and {$800.00} to the same person through XXXX 's payment that affiliated with the Chase Bank.
Consumer complaint received 2020-01-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION (IL)

XX/XX/2016 agreement was reached with XXXX XXXX XXXX XXXX on behave of check and go for a settlement amount of {$880.00}. Final payment of settlement was made XX/XX/2016. We have final settlement letter on hand. Since then we have been repeatedly contacted by multiple collection agencies attempting to make a collection for {$570.00} on behave of check and go. There was only one transaction that was ever owed to check and go and that was settled. No other loans or transactions made with check and go have ever gone into collections. Each time we have been contacted we have been threatened with legal action and/or arrest. Once explained that this matter should have been resolved and having offered proof the collector became more and more aggressive. We would like to have this permanently cleared from my credit and the harassment to stop. This has been going on for almost 4 yrs every 2 or 3 months and it is always a different agency calling with the same information.
Consumer complaint received 2022-07-16
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. (GA)

After the investigation, on XX/XX/2022 i was told the two accounts mentioned are not listed on the credit report and all other accounts have been verified. This was false, I listed all accounts with inaccuracies being reported. Refer to the documents attached which shows proof of my complaint. I have not been given a fair and accurate investigation. 

This includes the date last active, the open date, two year payment history, last payment date, and the date last reported. I feel like my rights was violated and i didn't receive a fair investigation. This has cause me so much hardship and stress.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I have not given these accounts written permission to furnish these accounts on my credit report.

Please refer to accounts listed on the documents provided.
Consumer complaint received 2022-07-16
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: ALLY FINANCIAL INC. (AL)

In accordance with the Fair Credit Reporting Act, Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 602 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may mot treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-11
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Equifax. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now XXXX XXXX XXXX
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MD)

I applied American Express Hilton Honors and Delta Sky miles  Platinum Credits card. After I spent enough money in my credit cards in 90 days. They refused to give my rewards. Different CSR said different reasons. But after three month, I didn't get any notification about refusing my welcome bonus. They said that my account declined my bonus on the first week. But I don't know at all. I tried to contact them many times. But no one can give me a real reason. Also, I don't have pop window at all when I applied my credit card.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is reporting my line of credit account late and over the limit when it is current and has available credit. The payment was reported late on XX/XX/year>. This has been an ongoing issue where as they report the account late every 6 months. This is due to their reporting to the credit agencies being 2 months behind. I have a screenshot.
Consumer complaint received 2022-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC (IL)

There is a XXXX XXXX reporting to all three credit bureaus. XXXX, XXXX and XXXX. I have sent letters to the credit bureaus and to the collection agency. I have requested the collection agency to provide validation of this debt, which is in clear violation of the HIPAA policy to disclose any item subject to my medical information. I have not gotten a response in regards to the removal of this account from either credit bureau or collection agency.
Consumer complaint received 2022-01-24
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: EQUIFAX, INC. (NJ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

I sent a dispute letter on XX/XX/XXXX through Certified Mail requesting a reinvestigation and the Method of Verification for a bankruptcy on my credit profile. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). The credit bureaus has been non-compliant and didnt complete the dispute in 30 days. I further remind the credit bureaus, as in Wenger v. TransUnion  Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 but it seems that you have closed it on the same day. I sent a letter on XX/XX/22 to XXXX Credit Bureaus to remove inaccurate personal information and accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$97.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

XX/XX/2020 i applied for a credit card and they denied me when i have XXXX credit score and excellent and i called them to ask why and they would not tell me when i called the management why they denied me, i am not happy with this company for not telling me why they wouldnt i got no where wheni have a credit card with their company for over 6 years now and dont use it anymore cause it has high interest so i saw this supior credit card that had zero intested for 15 mths on purchases and trasnfers so i applied and they give me {$150.00} for spending {$500.00} in 3 mths but they denied me. i wanted to fix this as theydid the same thin when i appled for their first card and i called in to fix resolve the issue, and i wanted to do the same thing this time and they wouldnt talk to me.
Consumer complaint received 2020-01-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

On XX/XX/XXXX I noticed a fraudulent transaction in the amount of {$7500.00}, the transaction was made from my business checking account and is in the name of XXXX XXXX XXXX, I am the only authorized user on this account, and I own 100 % of the business, XXXX XXXX. 
I went to my local Key Bank branch located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX where XXXX XXXX, a branch employee, made some phone calls and reported that the money had been transferred to XXXX XXXX bank account, I explained that I did not have an account at XXXX XXXX. I was told to file an ACH return form, which would report the fraudulent transaction to the KeyBank. 

On XX/XX/XXXX I noticed a withdraw from my personal account at XXXX XXXX XXXX in the amount of {$3500.00}. 
I reported the fraudulent transaction to XXXX XXXX XXXX at the local branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The account was closed, the bank opened a new account and returned the money to my new account the next day. 


On XX/XX/XXXX I received a call from XXXX XXXX, who is an ex business partner. He told me that he made the fraudulent transactions. 

My issue was settled at XXXX  XXXX XXXX and so I called Key Bank to update the bank with this new information, I was told that I needed to close my business account and open a new one, I also needed to complete a new form for the ACH department. 

XXXX XXXX at Key Bank told me to file a police report Key bank told me that provisional credit would be applied to the new account on XX/XX/XXXX. When that credit was not sent, I visited the branch and I was told that the matter has been escalated internally, that I could not call anyone at key bank to get information, and this is how the situation sits to this day. I have made several calls to the bank to get information, I have also visited the branch on at least two occasions to find out when my credit would be applied, only to be told there are no updates. 

Again, I am the only signer on the Bank account and I did not authorize the transaction for {$7500.00}.
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

On XX/XX/2022 a withdrawal in the amount of {$2500.00} was deducted from my PNC Savings account. The incident happened with the drive-thru teller. The money was disbursed without verifying or confirming if the person was the account holder. Then on XX/XX/2022 and on XX/XX/2022 XXXX more withdrawals were made from my PNC Savings account for {$1000.00} on each of the above mentioned dates which totaled {$2000.00}. Again it was done with the drive thru teller and once again no verification was performed. I found out about these XXXX withdrawals from my savings on XX/XX/2022. I informed PNC and they initiated a dispute in which I needed to sign XXXX affidavits for these incidents. These affidavits were submitted on XX/XX/2022. A week later my account was reimbursed for {$4500.00}. 

Then on XX/XX/2022 a check from XXXX under my daughters name was provided to the teller to be cashed for {$800.00} and the money once again was provided without verification. Another dispute was submitted with another affidavit and upon further investigation PNC determined that the check wasn't valid and was fraudulently done with my daughters information. Upon review of surveillance the vehicle was a XXXX truck and did not fit the descriptions of our vehicles. Upon PNC confirming it was not me or my daughter, once again I was reimbursed for the {$800.00} a week later and the dispute was closed. 

Additionally, on XX/XX/2022 a check from XXXX Bank was provided to the teller to be cashed for {$2000.00}. Once again, for the XXXX time, the transaction was not verified and {$2000.00} was provided without verification. Another dispute was submitted with another affidavit done by PNC bank, and as of today Friday XX/XX/2022 I have not received my reimbursement of {$2000.00}. 

I am requesting for these incidents to be documented with the FTC and Federal Reserve simply because they are not keeping my accounts safe. I have been a loyal customer for 40 years when the bank XXXX XXXX texas XXXX bank, then merged with XXXX compass, and then with PNC. I am extremely upset with the lack of security PNC has shown for me. How is it possible that they didn't learn their lesson from the first oversight that happened on XX/XX/XXXX? They refused to keep my money safe XXXX times and allowed these withdrawals totaling over {$7000.00} within a matter of 3 four months. This is unacceptable, and I will not be a victim once again because of their laziness and refusal to take care of a loyal customer. I want answers and results regarding their careless behavior and I want my {$2000.00} back in my account as soon as possible.
Consumer complaint received 2022-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I made a large payment on my PayPal account, and because I usually make smaller payments, PayPal flagged this as unusual behavior and placed a freeze on the payment for 13 days. This is a business credit card and I have other purchases pending on this card and may not have the credit line available for all of them so I called PayPal to try to resolve the issue. They asserted nothing can be done for 13 days. Then I got a text message " from '' PayPal ( though I'm now realizing it was likely a scam ). It asked for a lot of personal information, my social security number, mother 's maiden name, and credit card information and I supplied all of it and submitted because the interface matched PayPal. But after submitting, I saw at the bottom of the page that there was a warning saying the page isn't secure. The URL associated with it is : " XXXX XXXX
Consumer complaint received 2021-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NE)

My name is XXXX XXXX and I am from XXXX XXXX. I graduated from XXXX  University XXXX XXXX XXXX in XXXX. I promptly consolidated my federal student loan and refinanced with another company. The refinance company XXXX overpaid FedLoan Servicing. 
The problem lies in that FedLoan servicing owes me {$6300.00} and is refusing to reimburse me in a timely manner. This was in late XXXX. 

As of XX/XX/XXXX, there has been little action taken since then. FedLoan said they were sending a check but there never has been a check from them. Just excuses and platitudes. I should be reimbursed in a timely fashion with penalties and interest. They expect others to pay on time and would be livid if someone was overdue XXXX {$6300.00} for over a year.