davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Subject : Urgent Request to Resolve Account Lock Due to Identity Verification Dear Bank of America Customer Support Team, My name is XXXX XXXX and I have been a loyal customer of Bank of America for the past 6 years. 
My account number is XXXX and I am writing to express my urgent concern regarding the complete block of my account, which has left me unable to access essential funds. 

Recently, I attempted to update my phone number in the Security Center of my online banking profile to reflect my current international contact number. The update was successful. However, on [ data exata do incidente ], while in XXXX XXXX, XXXX, I attempted to use my debit card via XXXX XXXX for a transaction of approximately {$580.00}. The transaction was declined, and I received a verification prompt within the app, which I promptly confirmed To my dismay, the debit card remained blocked, and shortly after, my access to both the app and the Internet Banking platform was completely restricted. 

My Attempts to Resolve the Issue : I immediately contacted the Fraud Department and subsequently the Debit Card Department. Despite providing all the requested information and offering to submit any additional documents to verify my identity, I was informed that the only way to resolve this issue would be to appear in person at a Financial Center in the United States. 

This requirement is not feasible for the following reasons : 1.I am not in the XXXX XXXX , and my XXXX  has expired, which the renew was not have been applied yet.

2.Traveling to the United States is both logistically and financially impossible at this time. 

Impact of the Account Access Blocked : My account holds approximately {$700.00}, which I urgently need for living expenses. 
My XXXX daughters account, also with Bank of America, contains {$2000.00}, which she needs immediately for her regular expenses. 

Request for Resolution : I respectfully requested that Bank of America provide an alternative method for identity verification, given my circumstances. 
I am willing to submit any documentation necessary, including my passport, proof of residence, and any other information required to confirm my identity and resolve this issue remotely It is unreasonable and unfair to block access to essential funds without offering a viable alternative for customers residing abroad, especially when all necessary information to authenticate my identity has been provided. 

: I trust in Bank of Americas commitment to its customers and hope this matter can be resolved without further complications Please treat this as an urgent request and let me know the next steps I can take to regain access to my account. 

Sincerely, XXXX XXXX Account Holder : XXXX Phone : XXXX or XXXX Email : XXXX.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

My sister has been XXXX  with XXXX XXXX ( XXXX  ) for five weeks, and signed a Power of Attorney giving me authority to make decisions on her behalf. She also created a trust for her assets ( all managed by an estate lawyer, and notarized ). She has multiple savings, checking, and investment accounts at Wells Fargo. 

I went into the XXXX XXXX branch of Wells Fargo today and met with XXXX XXXX XXXX, an Assistant Vice President, giving her copies of the trust documents and the POA. She informed me that my POA was invalid because I gave her a copy rather than the original, reflecting a lack of familiarity with the eFile act. She further said that the POA, assuming I provided the original, would have no value beyond giving me access to the accounts, which I already have, and that my sister would need to come into the bank if she wanted to place her accounts into the trust. 

This is not feasible. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I was shocked and disappointed by her attitude, not to mention her ignorance of the fairly straightforward legal principles in play here.
Consumer complaint received 2020-11-21
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. (FL)

I recently discovered on my credit report accounts that I did not recognize, so I contacted XXXX XXXX XXXX and requested evidence that the debt was mine. I requested this information so that I could be sure of what debt came from where before I started paying off anything. I then contacted XXXX and TransUnion to let them know that I have asked XXXX XXXX XXXX to validate the debt as mine. XXXX XXXX XXXX received my validation request on XX/XX/2020, and TransUnion and XXXX received my notice that a request to XXXX XXXX XXXX was sent on XX/XX/XXXX. I see that both my XXXX and TransUnion reports were updated and now show that the accounts are in dispute ; I requested to XXXX XXXX that they temporarily cease the reporting of these accounts during my investigation, and I requested that XXXX and TransUnion enforce the FCRA and stopped any reporting of invalidated debts if XXXX XXXX XXXX failed to do so. None of the 3 parties involved have temporarily removed the accounts and are currently violating my rights as a consumer.
Consumer complaint received 2021-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (RI)

I contacted Equifax on several occasions disputing and requesting the description of the procedure used to determine the accuracy and completeness of the debt they claim I owe. I have also contacted the creditors in order to confirm the debt they claim I owe. Since these creditors can not verify these debts, Even tho I am the alleged debtor, Equifax couldnt have verified these items. The FCRA, FDCPA and FCDA require a signature on a original consumer contract for a debt to be valid. As per FTC opinion letter of attorney XXXX XXXX XXXX you should be aware that a print out of a bill or itemized document doesnt constitute verification. I would like to inquire how these accounts were verified without providing any proof during my signature. I formally request the method of verification or any document provided during my signature showing that I have or had a legally binding contractual obligation to pay the debt your company is reporting inaccurately. In accordance with the Fair Credit Reporting Act section 168 i, Your company is required to reinvestigate these items and delete them in the absent of any such documentation baring my signature. If you cant show proof that you have verified these debts and you continue to list these items on my credit report I am prepared to sue your company under the Fair Credit Reporting Act.
Consumer complaint received 2020-11-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IA)

equifax is reporting a collections XXXX XXXX Account XXXX that's inaccurate .I dont understand how are they reporting something on my credit file that's suppose to be accurate but send me a letter back after disputing it, informing me a their unable to locate my credit file.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-11-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services (MA)

I returned a leased XXXX XXXX XXXX vehicle to the XXXX XXXX dealership in XXXX, MA on XX/XX/2020. A few days later, I purchased a brand new XXXX using a loan from MBFS. 
This is not the first time I have leased on purchased a MB vehicle. I have done so at least on 10 different occasions with the same dealership. Each time I return a vehicle, a technician examines it while I wait. they then give me an immediate report on any excess wear and tear using a " credit card '' test. If a physical damage is greater than the size of a credit card, you are charged. If not, it is waived. Generally, even if the damage is greater it is waived if you purchase or lease a new vehicle, which I did. 
When I returned the leased vehicle, a technician looked it over and said it was fine. There was no wear and tear according to him. 
I was surprised when a few weeks later I received a bill for approximately {$3500.00} claiming excessive wear and tear, a vehicle return fee of {$500.00} and excess mileage. I disputed all three. The lease agreement waives the return fee upon the purchase of a new vehicle. The mileage was extended on a prorata basis for two months when I couldn't return the car safely during COVID, and this was acknowledged in a recoded call with MBFS. I have asked for the recording. I disputed the charges in a letter to their TX office. Further, I request they communicate only in writing. They continued to call and I firmly and politely asked them to respond in writing. Without admitting any mistakes they appear to have taken off the mileage and the vehicle return fee but have not credited " excess wear and tear '' which the technician had confirmed did not exist. They have now sent me a collection notice and threatened to report me to the Bureaus as a write off. My score is XXXX. I believe that MBFS is engaged in extortion. They are abusing their reporting power to the bureaus to extort me into paying a non existent charge since fee income beyond interest is sustaining many financial organizations in a low rate environment. Please use your resources to stop them.
Consumer complaint received 2020-11-14
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. (TX)

XXXX XXXX XXXX {$4100.00} Date OpenedXXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX|Date of Inquiry : XX/XX/XXXX XXXX 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2021-02-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened accounts for promotional bonus offer and funded on XXXX. The bonus was for XXXX . You needed to keep on deposit for 60 days and the within 90 days of account opening you would receive bonus. 

Upon calling I was told they are short staffed and its a pandemic and it will take longer. 

I called and asked for a supervisor who said basically it is what it is and I would just have to wait. I asked for a manager and was told someone would call me back. As of a week later no response. The company is still running their promotion so obviously this is false advertising if they were truly behind they would stop the promotion I escalated via email and only received a generic we will get back to, you. I have waited well over 100 days for this bonus. I believe the company is in violation of their promises and false advertising. 

I even called the corporate number and was told no executive can speak with me, I had to submit an email and wait for response. No one has been helpful either with chat or at least 5 phone calls
Consumer complaint received 2021-02-07
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. (VA)

I have a Conventional Mortgage loan with XXXX XXXX. After my wife lost her job during the pandemic I went under forbearance. When my wife got a new job, we paid all due payments. I was told by " XXXX ' a Customer service rep from Mortgage servicing department that until my account is current, I can not re-establish my recurrent ACH payment. XX/XX/XXXX, I paid all due payment XXXX XXXX, XXXX, XXXX and XXXX XXXX to bring my account. I called back on XX/XX/XXXX to Re-establish my recurring ACH authorization. XXXX confirmed that it had been set up and confirmed. On XXXX I got a call from XXXX Collection department again. I was surprised by the collection department call. Found out that the ACH was not established. I paid for XXXX and XXXX of XXXX on that day and reconfirmed ACH debit is established for XXXX of XXXX. On XX/XX/XXXX when I noticed No Auto draft has taken place, I called and spoke to 'XXXX XXXX from Mortgage servicing assured me that ACH is been set up successfully. To have peace of mind Asked XXXX to call collection department to be all in the same page. " XXXX '' from Collection department also confirmed that the ACH is successfully set up and 'ACTIVE ' and mentioned my account is not with the collection department. 

Today XX/XX/XXXX I pulled my credit report and noticed that XXXX XXXX XXXX XXXX reported me 'Delinquent of Mortgage '. When I saw that It made me furious. I have been calling them 8 or 9 different times to fix their ( XXXX XXXX XXXX employee 's ) mistake. I been diligently trying to make sure they get their money, and this is how they punish me. Punishing me for their mistake. I sent them email with the conversation record to fix it, XXXX XXXX department didnt care to email me back. 

So, I need your help to correct this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA - XXXX Cell : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-21
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: Experian Information Solutions Inc. (TX)

WRONG SSN Experian : XXXX & XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

( XXXX ) XXXX ( XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX Collection account. {$920.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX XXXX XXXX 

XXXX XXXX  XXXX Account charged off. {$270.00} written off. {$610.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX. 
XXXX XXXX XXXX {$1600.00}. 

XXXX XXXXN XXXX {$1200.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXX {$6000.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXXXXXX {$3500.00} Account Status120+ DAYS PAST DUE. 

Inquiries XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX.
Consumer complaint received 2021-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (OH)

Venmo charges : In XXXX of last year, I had {$14000.00} transferred into my acct from my brides for upcoming weddings ( I am XXXX  employed and have XXXX XXXX XXXX XXXX XXXX business ) I pay for my flowers using my Venmo card. They take out {$1000.00} every time I receive my flowers that goes towards my bill with XXXX XXXX. And they only take out when I receive flowers from them, not on any other days. On XX/XX/1921, XXXX and XXXX Venmo took out a {$1000.00} on each of these day but I didnt have any flowers delivered to me on those dates. I NEVER get flowers on a Friday, Saturday or Sunday. XXXX XXXX is not open on XXXX to deliver and they are closed on Sundays! ) The XXXX was on a Wednesday but I didnt have a wedding that week. They not only withdrew the money from my Venmo acct but also tried to reload from my personal banking acct as well. When they did this it caused my bank to have several overdraft fees not only from the money they tried to get but also caused checks I had written as well to overdraft. Along with taking out other transactions from my bank acct as a Venmo reload as well. I had more than enough money in my Venmo acct to cover all of these fees, so they were paying themselves twice for 1 transaction. I contacted Venmo, using the chat button because there is no way to call Venmo. XXXX said she could not find my transactions from my brides sending me money and I asked if maybe that was the whole problem. On XX/XX/XXXX, they froze my acct because they said I owed them {$840.00} on XX/XX/XXXX they gave me a temporary credit of {$1000.00} for each the XX/XX/1921, XXXX and XXXX transactions but they took out {$1000.00} for what they say I owed them for them leaving me {$2900.00}. Before they could take any more of the money, I transferred as much of it as I could out of the acct. But I could only send {$1000.00} to my bank acct, it would not let me transfer any of the remaining money. So I sent {$1900.00} to my XXXX and she then sent it to my bank acct using XXXX. I immediately closed my acct with Venmo and they finally sent me an email telling me after investigating they found no wrong doing on their part and I now owe them {$4000.00}.
Consumer complaint received 2021-02-06
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2021-02-06
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. (MA)

CFPB, Equifax respond to my dispute was that they will not remove the inaccurate information from credit report because they stated that I use language that similar to credit repair company. This is totally inaccurate just like the inaccurate late notice that I am disputing. Equifax has on multiple occasions willful violation the Credit Report Act. They dont believe that average customer know the law and that they need to follow and uphold the law a it relates to credit reporting that all information need to be accurate. The late notice from XXXX XXXX XXXX for the month of XX/XX/2020 in inaccurate and needs to be removed. 

CFPB, Equifax has violated the Credit Reporting Act on multiple occasions based on the fact that I have sent them multiple dispute letter with supporting documentation from my XXXX XXXX  checking account showing multiple payments made via automatic payment and phone payment received and made on time as they had requested me to send supporting documentation. It is not right or fair to me and other customer that Equifax can continue to violate the law after they request and receive factual proof and documentation from me or any other customer.
Consumer complaint received 2021-02-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (MI)

On XX/XX/2021 I was alerted to negative information being reported to the credit bureaus. On that day I researched the negative information and found that Sequium had reported me for not paying a {$1200.00} bill to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and Sequium and provided both of them with all requested documentation to prove I did not owe this bill. My evidence was accepted by XXXX XXXX XXXX and the bill and collection authority was rescinded. XXXX XXXX XXXX provided me with a letter stating I was not responsible for this bill and all negative collection information was to be removed. I provided that letter to Sequium and they acknowledged the account has been rescinded by XXXX XXXX XXXX. I asked when the collection information would be removed and they would not comment on removing the negative information. I made several calls and sent several emails between XX/XX/2021 and XX/XX/2021 but have not gotten a resolution or responses from Sequium stating they would remove the negative information even though XXXX XXXX XXXX ( their client ) clearly says I am not responsible and to have all negative information removed..