davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022, I deposited a check in my Wells Fargo Checking account. This check was sent to me as a payment for a job, with some additional money to pay to some vendors of the company who was hiring me, the total amount for the check was {$6000.00}. 
The check was immediately placed on Hold by the bank and was released on XX/XX/2022. Since the check was placed on hold I trust the bank that everything was ok when the money was made available on my account 5 days later. 

On XX/XX/2022, I went to my nearest Wells Fargo and purchased a cashier 's check for {$3000.00} and made it deposit to another Wells Fargo account and a XXXX transfer for {$600.00} as I was instructed. A few hours later I tried to make a personal purchase but my card was declined so I checked my Bank App and it show that my account was overdrawn. 
I called the bank to see what was happening and I was told that the check was being returned unpaid even though it was placed on hold and made available to me. 

After this, I went to the Bank to try to stop the payments and show my unconformity with the check being made available in my account when it was clear that it needed more time to verify, but they couldn't cancel them. 

The bank started to charge me fees for the overdraw and every other transaction that was being declined, I ask to talk with someone who could helped me and explain to me why the check was made available without making the pertinent revisions since this was the main reason to place a check on hold. 

When I had a response from the bank I was told that I was a victim of a scam but the check was my responsibility, that I had to verify it by myself before I deposited it into my account, when I am not an expert in it nor do I have the tools to do it, but they do. There was negligence on the part of the bank in the process.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (AR)

On XX/XX/XXXX around XXXX XXXX I attempted to log into my account Through Bluebird american Express prepaid card account. The website told my password was wrong, I attempted to reset my password and it would not allow me but sent me an email stating Hi, XXXX XXXX, During our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. 

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended.

If you have any questions or would like to inquire further, you may write to us at the following address : Bluebird Customer Care XXXX. XXXX  XXXX XXXX, GA XXXX Thanks, The Bluebird Team I read the policy and I have done nothing to as which it states. I have tried to call all the numbers within the states to contact them and no one can help me or tell me how to resolve this issue. When I call the number on the back of my card all it tells me is my account is closed and hangs up. I have called American Express they have no idea how to fix the issue/ I had a guy tell me to choose lost card to get an actual person on the line by calling a number he had not the one listed on the website. I did that and the young lady told me it could be months before this is resolved. I do not have months I have a family account set up with this prepaid company I have money in my savings through them plus my unemployment had just been deposited 20 minutes before i got the notice it was suspended/ Can you please help meXXXX XXXX XXXX
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I had a check cashed that I did not send chase back will not put the money back in my account someone cashed it and its been since XXXX of 2021 they keep telling me they are waiting for the other bank to respond well its been close to a year and still no reimbursement .I asked how much longer do I have to wait for them to fix this problem
Consumer complaint received 2020-05-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Consumer complaint received 2023-10-25
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-04-28
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: CITIBANK, N.A. (TX)

On XX/XX/XXXX I was in XXXX, XXXX. I had prearranged a cab pickup from our hotel ( XXXX XXXX ). I had Citi alert active on my card. A man in baggage claim stated he was there from our hotel. My companion and I got in XXXX. He stated the hotel had not paid him after we were en route. He requested my card to run charge. Once he had my card he pulled the XXXX over in front of a bank. He took my card from the vehicle without my permission. He reentered the XXXX and returned my card and said we were ok to proceed to hotel. I did not sign any receipt. I assumed at this time he was from the hotel. After getting my bill, I discovered a charge for {$6200.00} on my Citi card from XXXX XXXX XXXX XXXX XXXX. I called my cards fraud center immediately and filed report. They refused my fraud request twice in writing and a manager stated he would file again. Did not happen. Countless calls to Citi cards has not resolved this issue. I have a credit score of XXXX and have had this card 21 years.I have literally spent hours on the phone with them and spoken to dozens of representatives/ managers. I contacted the hotel in writing to notify them of the impersonator.
Consumer complaint received 2020-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

This account was opened through a dental office which granted them full access to charging this credit card, they abused their access and overcharged the card with fraudulent services that I didnt obtain. The young lady who did this was fired from the office but I didnt know she had already abused this account and my credit was affected. I attempted to tell the credit card company they ignored me and I attempted to get the office to help me but their only response was the young lady was let go The financial records they provided to me dont match the credit card records and no one in the office will give me anything in writing admitting what transpired. They ignored my calls for years and now Im in debt with this credit card company
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I attempted to purchase sporting event tickets online through my financial institutions ( BOA ) XXXX XXXX however after I sent the money the person never sent the tickets. I contacted my financial institution and XXXX within an hour of the transfer to cancel the transaction however they said that there was nothing that they can do other than open an investigation and the chances of recovering my funds were extremely slim. I believe that since I contacted them within an hour of the transaction they should of been able to do a chargeback however they claim that was not possible and the transaction was essentially final and I had no recourse.
Consumer complaint received 2023-03-09
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. (OK)

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 U.S.C 1681. Account name XXXX XXXX XXXX account number:XXXXaccount name : XXXX XXXX  account number:XXXX. Account name : XXXX XXXX account number:XXXX. Account name : XXXXXXXX XXXX  Account number:XXXX. Account name : XXXX XXXX Account numberXXXX. Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX. Account name : XXXX XXXX XXXX Account numberXXXX. 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 State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 andodates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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 2020-05-19
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: Bull City Financial Solutions, Inc (NC)

Viewed my credit report about 2 years ago and seen bull city financial which is a collection agency for XXXX XXXX XXXX in the amount of {$600.00}. This debt has never been validated after numerous attempts. I have never signed a contract nor have I had a verbal contract with them. I am not aware what address I was supposedly living at, not aware of an accurate amount, never received mail about the debt. Since moving from XXXX  to XXXX  in 2014 my electric bill has always been in my husbands name ... please verify and validate any contract and amount and address please. This debt is fraudulent
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-04-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MD)

During the Covid pandemic we did a forbearance with the lender, after the forbearance ended in XX/XX/2021. We contacted the lender with a HUD certified housing financial advisor and requested a loan modification. We received the forms for the mortgage company, filled out all forms and returned them by email before said due date. We got conformation the forms were received. Then we started getting calls saying they were missing page,2 then there are missing page,4 and so on each month its something different.. On XX/XX/XXXX spoke with XXXX agent sign ( XXXX ). He was ask if update of proof of income was needed he said no. Then on XX/XX/XXXX a XXXX agent sign ( XXXX ) called requesting update of proof of income. Things like this has been going on scene XX/XX/2021. Each month its something different every agent says they are missing something different.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

In reviewing my husband and I 's credit report we noticed some incorrect late payments reporting for our XXXX XXXX XXXX Mortgage and XXXX XXXX Home Equity Line of Credit. We attempted to resolve the issues with XXXX XXXX by providing proof of on time payments but no timely response was received and when we inquired again they sent us explanations of the payments however the explanation proves the late payments are reporting incorrectly yet they refuse to correct their mistakes. We have attempted over the past 5 months to have XXXX XXXX or a credit reporting bureau fix the errors but it has not been corrected. These incorrect late payments are affecting our credit score and ability to apply for lending. We do have late payments but XXXX XXXX is incorrectly reporting them in later months than they occurred and therefore extending our credit unworthiness.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (CA)

I am a XXXX XXXX  and have a business account with US Bank I have been using an advertising company on an app called XXXX and on XXXX there was a new company approached me to use their service as well. 

After quickly thought about it and I decided to move forward to add a new advertising source but turns out they are scam. 

I transferred {$350.00} to the scammer via XXXX and called US Bank to file a claim on XX/XX/ after noticing the scam but received a letter from US Bank stating they decline the claim which I think makes no sense given the fact the transaction was a scam. 

I filed a FBI report about the incident as well.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (GA)

I submitted a complaint last night against the same company, but submitted the wrong attachments. Attached will be the correct documents. Santander failed to correct the inaccuracies I found on my 3-bureau credit report.
Consumer complaint received 2022-06-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, also act 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 a account without my written instructions
Consumer complaint received 2022-04-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2020-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (GA)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. When I attempt to login to Cavalry 's website and see what this is about I get an error message saying I need to contact another company. Meaning Cavalry no longer has control of the alleged debt : yet it is still reporting. I have received no communication from the other place which is alarming to me.
Consumer complaint received 2020-05-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JP RECOVERY SERVICES, INC. (DC)

Every 3 to 4 days the company calls and leaves a voice message. Every time I've answered they give vague details on what the debt is about. I've asked them to stop calling and they continue to call. I've paid a premium service to block the number and show as disconnected. As you as I turn off the premium service, the calls start again.
Consumer complaint received 2023-03-10
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)

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 account # 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 2021-11-05
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 already filed a complaint on XXXX and they say they going to do a " 30 day investigation '' on my first complaint which I have been hearing this so many months. Today they wa n't me to get contact the creditors that got in contact with them and can be anybody but they don't care. Why because XXXX XXXX XXXX wrote them on XX/XX/2021 saying to them to delete 2 accounts and I have written XXXX with proof and you think they actually deleted it, nope its has been 6 months and they're still on my credit report just like others are. I had to go filed a complaint against XXXX XXXX XXXX which they really didn't do nothing because when I wrote them back in XXXX they couldn't provide me with anything. So I filed a complaint today because XXXX and Equifax still reporting something that couldn't validate in their office. XXXX compliant number is XXXX. I mean XXXX really was doing right about consumer than the consumer doesn't have to work so hard to get this off their credit because my attorney told me about this site which it will have paper trail. How many 30 days I have given you all to do right. XXXX XXXX and XXXX XXXX  are the same you can't do Double Jeopardy so I would like both to be deleted as well. Duplicating account information like this may be a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. XXXX is collecting on XXXX XXXX whomever that is and XXXX XXXX also collecting on XXXX XXXX.