davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

Opened a checking account and setup to transfer my direct deposit from social security. Made two deposits by check, but realized it was from an old closed account. Called Wells Fargo ( " WF '' ) customer care and was told them about the mistake and was told not to worry just make new deposits. The next day ( XX/XX/22 ) I received an email from WF stating they were closing my account. I told them what happened and they told me go to a local branch to resolve the matter. I should them proof it was an error, but WF still closed the account. I spend a lot of time opening the account and transferring a direct deposit. I feel like I was discriminated against because I made an innocent error. I have done business with several banks and never experience a problem like this. For example, XXXX XXXX, XXXX XXXX, etc. I am a XXXX  veteran and it would have been helpful to have a bank close to my home. This was no way to treat a customer especially a XXXX veteran.
Consumer complaint received 2022-06-07
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. (FL)

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-06-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Telerecovery Corporation (LA)

I request Validation of the alleged debt however information was not provided that included a breakdown of the debt amount, whether or not the alleged debt is within the Statute of Limitations for my state, my physical or digital signature, the address information of the original creditor, as well as proof that the collection agency TELERECOVERY has the authority to try and collect this alleged debt from me. The inaccurate reporting of this alleged debt is severely harming my credit.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I never authorized Equifax to put a fraud alert on my account. I called and did the verification and they were supposed to remove the fraud alert from my account. They did not. I called again XX/XX/2022 and the agent laughed at me and hung up. Any trace of a fraud alert must be removed immediately.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

We received a letter from WellsFargo 12months after opening the account that we needed to resolve an error on the account. I contact the local office and they notified us we needed to come into the office to update my Daughters Social Security Number. We did this on XX/XX/XXXX. I received a second letter and I called the local office on XX/XX/XXXX questioning why I received a second letter. On XX/XX/XXXX the called me back to notify me they had contacted their back office and the issue was resolved. Now on XXXX with no additional notice or warning they closed her accounts and froze the money. I have called the corporate office and they have escalated the issue as high as possible and that they can not do anything at this time. My Daughters is on vacation and her debt card is her only access to money. I was told me they will respond in 10 days. I called the local office and they told me i did everything they felt I needed to do and are not sure why it is closed. They contacted the back office and they are now requiring additional documentation that is not available and will not except any other documentation. They want a social security card that is lost and will not except a signed w9. I am in the financial industry and w9 for social security correction is standard process. They told me with out this they can not do anything. the best they can do is follow up in 48hrs.
Consumer complaint received 2024-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BMO Bank, N.A. (CA)

As I stated in my previous complaint about government checks cashing that BMO treated as suspicious, blocked cell phone number for XXXX, blocked debit card and etc, the problem with XXXX was not fixed. It was going on over a month. I was needed to transfer {$2000.00} from BMO to XXXX. After many attempts by decreasing the amount transfer, I finally was allowed to transfer {$100.00} only. The XXXX imprisoned my money. It is obviously required to escalate the complaint to the next level.
Consumer complaint received 2022-11-22
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: Experian Information Solutions Inc. (MI)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX and # 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 2022-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

Jefferson Captial System has placed an account on my tradeline that does not belong to me. I have asked that they validate the debt, provide signed agreements, provide documentation that they own the debt and they have failed to comply. They have harassed me and caused me personal injury with their illegal collection 's tactics. I have also found that they are not licensed to collect any debt in my forum state. 

Account number ( listed on my credit report XXXX Amount XXXX Date on credit report XX/XX/22 ( account have been re-aged for a few years Jefferson Captial ) This company has violated several federal laws and I demand that something be done.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

My XXXX  mother is not expected to live more than a few more days, so it is urgent that this be fixed to avoid probate. I am POA on her Bank of America accounts ( checking and savings ). I also have a comprehensive POA. She recently had a new trust drawn up naming me as co-trustee and stating that I full power over all accounts covered by the trust. I went to the branch in XXXX XXXX, NM to discuss what to do per this new trust to avoid probate and move the accounts into the trust as per attorney and trust instructions. I provided them my Durable POA, the Certificate of Trust and the Trust itself. The branch was very helpful and suggested the most efficient method was to make me a joint owner on the account so that it would pass directly to me upon her death. They proposed this electronically to Bank of America 's legal team, and they declined the request and refused to take action. At this point, Bank of America is refusing to acknowledge the trust, the direction of the trustee ( me ), and refusing to acknowledge the POA, despite the fact that I am listed in as POA on the account and provided all documentation. I am also the sole beneficiary of the trust as stated in the documentation.
Consumer complaint received 2024-12-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (WI)

Macy 's credit card ( through CITI bank ) keeps constantly calling me to collect debt. I told them I am injured and can't work, so I can't pay the card. Initially, when I tried to contact them, their system wasn't allowing me to send them messages to report this problem. This is their problem, which they caused with an email system that was broken. 

I told them today to quit calling all the time. They call me XXXX  times a day at least and won't stop bothering me. I have tried to block them, but it doesn't work. 

They call from XXXX. 

XX/XX/year>, they called at : XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/year>, they called at : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  They call every day and will not stop!
Consumer complaint received 2024-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I logged onto online banking, and it was then that I found out that all my credit cards were closed. I called the bank the same day, and their representatives told me the bank would only communicate with me only if I were to send a letter to a XXXX XXXX in XXXX XXXX South Dakota. Other than that, no representatives nor supervisors would speak with me regarding my now closed accounts over the phone. This is quite unacceptable as I was current in all my accounts and had no issues prior to this, nor was I told in any way that my accounts would be closed. Citigroup has infringed upon my rights under Truth in Lending Act ( TILA ), the Fair Credit Reporting Act ( FCRA ), the Credit CARD Act of 2009, and state laws. The behavior XXXX has exhibited here represents the most unprofessional and ethically questionable conduct one could demonstrate. It undermines trust, and reflects a complete disregard for the standards of integrity and respect that are fundamental to the banking system.
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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 2022-06-07
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-07
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. (TX)

My Experian credit report is showing a late payment in XXXX 2021. My Bankruptcy was filed in XXXX 2021 and this account was never late up to the date of the XXXX filing. 

XXXX is reporting this on my XXXX XXXX card account and my XXXX XXXX account
Consumer complaint received 2024-12-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Westlake Services, LLC (NH)

I took out a loan to pay for services I purchased at XXXX XXXX XXXX, and the loan is serviced by Covered Care, Westlake Portfolio Management. I want to pay off my loan, and the website says that you can not pay off the loan online and must call. I called, and was told I could pay it off, only for them to change their mind halfway through the phone call and say that their policies JUST all of a sudden changed, and now I can't pay off the loan over the phone and must mail in a check or money gram. I asked to speak to a manager, and was put on hold for about XXXX minutes before the call unexpectedly dropped. Then, I tried to go on and make a large payment to at least limit how much interest is accruing and I am limited to making payments that can be {$740.00} maximally, when the loan balance stands at ~ {$4800.00}. The behavior of this company is to deliberately drag out the process of paying off the loan so they can maximize their interest accrual.
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I sent certified letters to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The letters were received on XX/XX/XXXX ( XXXX XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX XXXX ). I disputed their claim that I owe them these debts and asked them to validate the accounts they are reporting to XXXX, Experian and XXXX. It's now XX/XX/XXXX and I have not received any response from either company by mail, email or any other type of notification. Under The Fair Debt Collection Practices Act 15 USC 1692g, Sec. 809 ( b ), I have the right to request validation of debt they say I owe them. Both Companies have failed to validate the debts and provide the information I requested in my letters. See attached letters and certified mail receipts.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I disputed a transaction on XX/XX/XXXX for XXXX which is a third party company for security deposits. For the past 3 weeks I have been communicating with both companies and nothing has gotten resolved. I first spoke with Bank of America and they told me they was waiting to hear from XXXX. I then spoke with XXXX and they told me they was unable to refund due to the dispute filed on my behalf. I then spoke back with the bank and they said they are still waiting on a response from XXXX. So I emailed XXXX and they told me they already responded but the bank is saying something differently. I am tired of playing games and just want my money refunded but they are refusing to do anything.
Consumer complaint received 2022-06-08
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. (NC)

XXXX accordance with the Fair Credit Reporting act US DEPT ED Account # 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 2022-06-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EMCC Holdings, LLC (SC)

Equiant Financial Services is reporting an account on my credit report that has an inaccurate balance owed. I had previously requested Validation of this alleged debt however company has not provided that information. I would like a full validation of the debt including the amount owed.
Consumer complaint received 2022-06-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

XX/XX/2022 Bank of America " refunded '' one of my credit card payments. They are very unclear about where the money went. All I know is that I didn't request the refund and I didn't get the money back. 

Over the course of 3 " looooong '' phone calls BofA said they would look into it. They try to wear you down and long weight times and sickening advertising. 

I finally got a letter saying they refunded the money to account ending in " XXXX. '' On other explanation provided. How did they let it happen? What is full account number information? 

They considered the case closed. Wrong! I will fight all the way to Supreme Court if I have to. This is wrong!!! 

I believe BofA has acted with criminal negligence. 

BofA Case Number is XXXX. Original " fraudulent '' Transaction Date is XX/XX/2022. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IN XXXX XXXX XXXX
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # 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 an account without my written instructions.
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Rocket Mortgage, LLC (LA)

Since XXXX, I have lived at XXXX XXXX XXXX XXXX. in XXXX, Louisiana. In XXXX, I used Rocket Mortgage to refinance that residence. I had my monthly payments on autopay and had no issues. Bills were paid on time. In XX/XX/XXXX, XXXX XXXX destroyed that residence. I used Rocket mortgage to borrow money for an apartment in XX/XX/XXXX. When i asked to set up the monthly mortgage payment on autopay, Rocket Mortgage said that I could not pay the first month ' s note on autopay, but would have to wait till I received the the bill then pay with a check. Since I was changing addresses and recovering from the loss of my home, i am not sure when or where that bill was sent to me. Once notified, I paid the bill then enrolled in autopay through my bank. The bill has been paid regularly since. This resulted in a ding to my credit score which I feel is not fair. Had I been allowed to enroll in autopay initially, this would have never happened. Now my credit score is low as a result. I am told by Rocket mortgage that nothing can be done to rectify this except waiting many months or years for my credit rating to slowly correct itself. I am seeking assistance on this matter. The only other dings on my credit history happened several years ago when I went through a divorce and my ex wife had credit card charges that went unpaid for some time. 
I can be reached at XXXX XXXX XXXX if any further questions arise. 
XXXX XXXX XXXX
Consumer complaint received 2024-12-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (TX)

Having problems with WellsFargo with trying to get a forbearance or VASP refinance for a lower interest rate, this problem dates back to XX/XX/XXXX and has not been resolved yet. Had a forbearance in the past, but tried to apply for a VASP refinance in XX/XX/XXXX and I was not aware that my home could not be for sale while applying for a VASP refinance and at the time I was under contract for XXXX to sale my home. Also WellsFargo has been harassing me by placing Letters on my home door while my realtor was viewing my home on XX/XX/XXXX and also calling my realtor at XXXX without my consent asking questions about if I'm still occupying my home, also I feel its none of WellsFaro business what I do with my realtor, if they want to know anything they could have call me not my realtor at XXXX, I have been occupying my home ever since XX/XX/XXXX and I know WellsFargo knows this, because I've been getting mail from WellsFargo at my home address since XX/XX/XXXX to present.
Consumer complaint received 2022-06-07
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: CORELOGIC INC (NY)

In accordance with the Fair Credit Reporting act Credco, 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

i am reporting fraudulent hard inquiries in my Experian, XXXX and XXXX XXXX report.please delete these inquiries-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (CA)

I called them and told them that the account was open fraudulently and that maybe that they had me confused with a me and my step dad XXXX XXXX XXXX, but anyways I contacted them and let them know and they told me that they would let the credit bureaus know it's take it off still nothing has been done.