davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DIGITAL FEDERAL CREDIT UNION (CA)

I am filing this complaint against Digital Federal Credit Union ( DCU ) because they do not provide adequate back end support for basic digital banking functionality including external ACH transfers. They have a deeply inferior implementation of Plaid which is so flawed I can not even connect my XXXX XXXX XXXX checking and savings account, even though XXXX is the largest bank in the nation. Likewise, they pretend to offer support for loan and retirement account linkages but can not provide reliable support in that regard either. Meanwhile, DCU has been stalling me for more than a month saying that there is no definitive end date to fix these issues. Since DCU is currently engaged in a mega-merger with California 's own XXXX XXXX XXXX XXXX XXXX while promising " Uniting the capabilities of the nations XXXX leading technology-forward credit unions will allow us to innovate and push the boundaries to deliver more elevated experiences by making material investments in products and services to meet the needs of our growing membership '' ( see attached press release ). CFPB and the Office of the California Attorney General need to take prompt action to protect consumers by requiring these organizations to meet industry baseline performance standards before being allowed to proceed with the proposed transaction.
Consumer complaint received 2024-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (NJ)

US Bank Corporate Office US Bancorp Center XXXX XXXX XXXX XXXX, MN XXXX Bank Acct : Joint Checking -and Savings Dear Management : We moved from XXXX XXXX MO XXXX XXXX XXXX NJ the end of XX/XX/year>. We decided to close our accounts with XXXX Bank in XX/XX/year>. During the XXXX years that we lived in XXXX XXXX MO we have had a successful business bank and customer relationship with never any issues until we decided to close both our accounts due to our move. 

We began the process in XXXX of this year. We were told we needed a notarized letter requesting that our accounts be closed and to forward remaining funds to our new address. On XX/XX/year> we wrote a letter as instructed to XXXX XXXX XXXX at the XXXX, MO branch requesting the closure of our accounts. We never received a reply in return. We called the bank location in XXXX, MO about XXXX weeks later, requesting to speak with XXXX XXXX XXXX. We never got to the chance to speak with XXXX XXXX XXXX. A female employee stated that she would take care of the closing of the accounts. Several weeks went by and my husband and I both called the XXXX, MO number. The woman on the phone this time was rude when I spoke with her and put me on hold for a lengthy time. My husband tried to speak with the same employee and she put him on hold as well, never returned back. 

My husband later contacted the number ( XXXX ) for US Bank and spoke with someone and they didnt understand why the accounts were not closed and balance of the funds forwarded to us. We noticed online when we pulled up our accounts, nothing was showing. The banker said that he took care of it and we should be receiving a check next week in the mail. The past week ( XXXX XXXX ) has come and gone without us receiving our remaining balance of {$300.00} in the US mail. 

We withdrew the majority of our funds out of our checking and savings before we decided to close both accounts but did not expect such rudeness from the XXXX branch bank and a lengthy delay as to receiving our funds. We have tried to remain professional with patience. We are requesting that US Bank please expedite our funds due to us immediately or we will have to take further action on our behalf. 

Thank you cc : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX, US Bank, XXXX, Missouri
Consumer complaint received 2024-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP (IL)

Affidavit for identity theft was filed for XXXX XXXX under ID # : XXXX and sent via mail twice ( XXXX XXXX & XXXX XXXX ) to address to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX committed identity theft by using his identity to apply for credit without his consent. This was discovered after XXXX passed away on XXXX XXXX, 2024. 
I spoke with several representatives on the status of this and an update is never received. I'm only informed to call back and being transferred to several representatives. Finally spoke with XXXX XXXX on XXXX XXXX, 2024. I was informed by XXXX XXXX to send a police, FTC, & XXXX XXXX reports, XXXX XXXX ID & XXXX XXXX. XXXX XXXX informed me that I did not have to fill out the affidavit. I contacted. XXXX XXXX provided me her phone number and the extension : XXXX ext. XXXX. I have received XXXX letters attached with blank affidavits in the mail and a letter requesting me to fill this out. I filled out this form and mailed it. I have asked for documentation to be sent that the investigation regarding this is pending and for the results when the application is complete.
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Early this morning ( XXXX XXXX  ), I received a call from someone claiming to be from my Citibank credit card fraud department to advise what appeared to be a fraudulent charge from out of state for electronic products over {$500.00}. 

The person identified himself as XXXX XXXX and the number the call came from is ( XXXX ) XXXX. I told him that I would call him back, then called my credit card bank and they told there was no fraudulent charges or record that anyone from their team had reached out to me. 

This number has been calling me back a few times and I have blocked the number.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have recently identified inaccurate account that are being reported on my credit report. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home and these are severely hurting my loan options. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX List account name and date List account name and date You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2024-11-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCSPLUS INCORPORATED (NY)

This is a second attempt to collect a false debt on the part of my landlord, who is trying to collect illegal rent on a property which does not meet city regulations ( there is no Certificate of Occupancy and there are multiple Class C violations ). After contacting the previous collection agency they dropped their attempt, but NCS refused to countenance the evidence I provided ( including the communications from the previous debt collector ). 
I talked to NCS representatives and was told that my objection was recorded, but then received a letter claiming I had not responded within the initial 30 days. 

Even for a debt collector, NCS is particularly unethical. In participating in this illegal eviction attempt, they are breaking city, state and federal laws.
Consumer complaint received 2024-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NJ)

I had a dispute with Wells Fargo that was for an amount around {$1100.00}, for some reason they only sent me a check for {$1.00}. A literal dollar even though the dispute was for around {$1100.00} and can not provide information over the phone to me, I need the rest of the money from the dispute.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I am filing a formal complaint regarding the inaccurate reporting of the account XXXX XXXXXXXX on my credit report. Despite providing clear evidence in my previous correspondence, you failed to correct the reporting errors and instead responded with generic information. This account is being reported incorrectly, showing a credit limit and past due balance on a charged-off account, which is inaccurate as charged-off accounts are closed. These errors are harming my credit and preventing me from securing credit opportunities. I am requesting that this account be deleted from all credit reports immediately. If this issue is not resolved, I am prepared to escalate the matter by filing complaints with the XXXX XXXX XXXX, the Attorney Generals office, and the Federal Trade Commission.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (IN)

XX/XX/2023, the phone number XXXX which comes through as a Potential Spam continues to call my husbands phone number and asks for me, by my nickname, saying that I owe money to a collection. I called the number and spoke to a woman named XXXX. She stated that this company name is Sequium and she had no information in regard to me owing any money using only my name ( again, a nickname ). She asked me for the phone number that they are calling and I would not give it to her. As I told her, " If you pull up my name and show that I do not owe money in collection to someone, then stop calling ''
Consumer complaint received 2024-11-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (GA)

RE : Consumer ID # ( XXXX ) Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that ( WELLS FARGO XXXX XXXX ) has verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by ( WELLS FARGO XXXX XXXX ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted at ( WELLS FARGO XXXX XXXX ) regarding this alleged account. I am formally requesting a copy of any documents provided by ( WELLS FARGO XXXX XXXX ), bearing my signature, showing that I have a legally binding contractual obligation to pay them. 
A bank employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see XXXX XXXX XXXX, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the state of Georgia Attorney XXXX office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

My contact information is as follows : Your Name ( XXXX XXXX ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX.
Consumer complaint received 2024-11-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

Basically they claimed that they sent me a title at the end of my lease ( XX/XX/XXXX ) It never arrived, and I assumed that I lost it. 

I requested a duplicate title which involved sending in a written letter to hyundai and a check for hyundai that they would use to pay NJ XXXX. ( XX/XX/XXXX ) They sent me a title, but when I tried to transfer it it turned out that hyundai motor finance sent me the original title WHICH THEY CLAIMED THEY SENT MOTHS AGO which was now WORTHLESS because they requested a new title which they NEVER sent me. 

Meanwhile the car was totalled and progressive never can't pay me until hyundai gets their act together.
Consumer complaint received 2024-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

I opened this claim XXXX, for XXXX atm transactions XXXX twice. In both cases the atm didn't provide the funds, I was traveling into XXXX and looks like here the ATM from XXXX XXXX XXXX doesn't work to get money from Wells Fargo. The claims was closed because was not properly handled or filled by the representative. I was very clear informing to the bank that the atm didn't provide the funds in both cases. Please reopen the case and proceed how was instructed, CASH NOT GIVEN I called a few days ago to request to reopen the case and listen the voice call when it was reported
Consumer complaint received 2024-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (NY)

On XX/XX/XXXX ( XXXX XXXX  ) I went to withdraw money from an account my ex-wife and I maintain jointly to pay for my son 's volleyball club fees and expenses. I noticed that a few weeks prior ( XX/XX/year> ) a withdrawal of {$110.00} was made to this account with a description of " Legal Processing Fee ''. 

I called my bank ( M & T Bank ) to report the withdrawal/transaction as fraudulent as that is not something I was failure with. The customer service agent told me it was not a fraudulent transaction but a fee charged by my bank as a result of an IRS action against my ex-wife and that the account was restricted and I could only make deposits. 

I requested to speak to the legal or compliance department, but was told that was not an option. I indicated I was surprised that I never received a notification about the account restriction or the fee, and the agent stated " the bank is not obligated to notify account holders for legal actions on accounts ''. 

I reviewed the account history with the agent showing her that for the past several years the only deposits to the account were from my personal checking account at another financial institution and the only withdrawals were initiated by me for sports related activates for my son. 

Understanding the bank had no way to affect the tax with my ex-wife, I knew there were not able to remove the restriction, and I had other funds available to pay for my son 's club I requested that the bank refund the legal processing fee. The agent said she would not at which time I asked to speak to a manager. The manager also refused to discuss the refund of the legal processing fee. 

When I asked for copies of the legal documents the bank was in possession of, they refused to provide those documents. I also requested a listing of expenses the bank incurred by restricting my account justifying the charge of {$110.00}. This request was also denied. 

My issue is that the account still does not show a restricted status on the online portal, so I have no way of telling when the restriction is removed. Further, I believe a {$110.00} fee to simple restrict an account is unfairly excessive. Lastly, to not have the restriction of the account communicated to me I find shocking. 

I was an ex-employee of the XXXX  having worked there in multiple capacities for over 16yrs. I still have many good friends that work for the XXXX  and left the XXXX  on good terms. All of this makes if more shocking the bank is unwilling to justify the expense or refund the fee.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (KS)

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach, Credit Acceptance on XX/XX/XXXX under the account number ( XXXX ), an inquiry for XXXX XXXX XXXX on XX/XX/XXXX, an inquiry for XXXX XXXX XXXX  on XX/XX/XXXX, an inquiry for XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-11-24
Product: Credit 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. (IL)

I have been fighting with My Best Buy XXXX card for close to a year. I had close to XXXX XXXX dollars in fraudulent charges from stollen card numbers. 
I had XXXX number when this started and have been fighting to fix my credit, and was given a new card number On XX/XX/XXXX I paid off card On XX/XX/XXXX I paid off card On XX/XX/XXXX I paid off card On XX/XX/XXXX I paid off card On or about XX/XX/XXXX I received a letter from Best Buy stating they reversed the unauthorized charges and if I did not hear back from them in 90 days this process would be permanent. This is XX/XX/XXXX and I did not receive another letter to this regard. 
On or about XX/XX/XXXX I received a letter from Best Buy stating they closed my account and are sending information to the XXXX credit bureaus. Continue making payments, What payments? 
On XX/XX/XXXX Paid off card again, they removed late fee, and account closed. 
On or about XX/XX/XXXX another letter from CITI bank, stating my account was past due and even though my account is closed I need to make payments. AGAIN this was paid-off on XX/XX/XXXX. I replied on XX/XX/XXXX at XXXX, tried calling XXXX times and could not get past the computer. 
On or about XX/XX/XXXX I received a letter from CITI//Best Buy stating my account was past due and even though the card is closed I still have to pay off. I called back a spoke with XXXX XXXX who had removed the {$69.00} charge. 
I received a statement XX/XX/XXXX for another late fee {$29.00} plus {$1.00} interest charge stating I have a past due {$20.00} and a late fee charge {$30.00}, balance is {$59.00}. 
XX/XX/XXXX Called Citi bank spoke with XXXX who transferred me to XXXX who told me I had a XXXX balance and to call back in seven days to verify. 9 days later called back got XXXX who transferred me to XXXX in security dept, disconnected?? On XX/XX/XXXX spoke with XXXX. 
on or about XX/XX/XXXX paid another {$29.00} to Best Buy On or about XX/XX/XXXX received another bill ( XXXX ) for {$99.00}, just ignored. 
On or about XX/XX/XXXX I received another bill for {$60.00}. I called an spoke with XXXX. I told her the account was closed and she reversed the {$60.00}. Should be XXXX On or about XX/XX/XXXX received another bill for {$100.00}. 
Lastly heard they now say I owe over {$500.00}
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Park Hill Holdings (TX)

To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). 

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status. 

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/year>XXXX  Social Security Number : XXXX Please send all documentation via certified mail to the address listed above. I request written confirmation within 3-5 business days. 

My goal is to exercise my legal rights and protect my personal financial information. 


Thank you for your prompt attention to these matters. 

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX