davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I am writing to bring to your attention certain inaccuracies in my credit report that require prompt correction. I have identified discrepancies in the reported addresses, names, and employers that do not accurately reflect my credit history. I request your assistance in updating or deleting the following information : Addresses : I request the removal of any addresses on my credit report that are not associated with the following address:XXXX XXXX XXXX, XXXX, MI XXXX Names : Please ensure that my name is accurately reported as " XXXX XXXX XXXX XXXX Remove any variations or misspellings of my name that may be present on my credit report. 

Employers : Remove any references to employers that are not accurate. Specifically, I request the removal of employers associated with " XXXX '' and " XXXX. '' I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and seek correction of inaccurate information on my credit report. I kindly request a thorough investigation into these matters and prompt action to correct the inaccuracies. 

Please provide me with a written response detailing the results of your investigation and the actions taken to update or delete the inaccurate information. I trust that your agency will adhere to the provisions of the FCRA to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (FL)

I am writing to file a formal complaint against U.S. Bank regarding what I believe to be predatory practices and an unjust fee assessment. I recently encountered an issue where U.S. Bank required me to maintain a separate account for my business transactions, despite my business credit card appearing in my personal account overview. Within this account, the system misleadingly indicated that I had no balance due. 

Due to this faulty User Interface ( UI ), I was not alerted to an outstanding balance on my business credit card, as the account overview misrepresented my actual financial standing. Despite having signed up for paperless communication, U.S. Bank claims that they sent me a paper letter regarding this balance. However, it is unreasonable to expect that I would monitor paper correspondence after opting for digital notifications. 

As a result of this confusing and flawed system, U.S. Bank has assessed a {$41.00} fee against my account because I had an unpaid balance of {$10.00} - again that I had no idea about because it did not show up on my personal account. I believe this fee is unfair and should be waived. It is unreasonable to penalize me for a mistake that stemmed from U.S. Banks own flawed UI and communication system. I even downloaded the credit card statement from my personal account and it stated I had no balance ( see attached ). I had to create a business account and see that I did have an outstanding balance ( attached ). I find this incredibly misleading. 

I respectfully request that U.S. Bank waives the {$41.00} fee and takes corrective action to ensure that other customers are not similarly misled by their system. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2021-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2021, we received payments from a XXXX client for a video production project. Then Paypal immediately red-flagged our account and asked us to provide more information regarding the transaction, which we did. Then the second day we checked our account and it showed our account has been permanently banned, and the funds we have in the account will be held for 180 days, 180 days!!!!!!! We called customer service and received an answer " the decision is final and we can not tell you why we are permanently banning your account ''. They told us the fund will be held for 180 days and asked us to be patient. The thing is our company did nothing wrong and we tried to ask our XXXX client to step in to see if both parties can verify the transaction and lift the ban and release the fund, but they say the decision is final. Our company is missing the funds to continue the video production project and we are going to face a penalty fee if we can not deliver the project and potentially filing bankcrupcy. Again, our company did nothing wrong but Paypal is trying to XXXX our company over.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

As you know Equifax criminally sold and bought my information as part of their data breach and per 15 USC 1681i they must delete any inaccuracies on the credit report. They are also refusing to issue me my attorneys fees per settlement breach agreement of over {$20000.00} that I turned in when I found I had XXXX default judgements and was never even served. I have police reports of identity theft along with The Ohio Attorney General. Equifax is blindly going off of what these fraudulent creditors are telling them and none of them can provide a complete account number. They are reporting my house is XXXX  months late and it is current. I want you to order them to remove everything from my report as far as closed accounts and I never contracted with XXXX and they also can not provide me my full account number and they are saying I owe them money. I dont even know who they are. My identity was stolen thanks to Equifax and they refuse to remove these accounts from my credit report. Even XXXX XXXX, I have a vacated judgement entry as there was not proper service. If anything on my report is not properly reported it must be removed. I demand {$20000.00} from them immediately and the removal of every account that does not have a complete account number, and/ or can not provide every single statement along with every payment, every charge, every dispute, and every reward cashed in. This includes but is not limited to 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 Also I want my Mortgage through Shellpoint updated as current as it is current.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB
Consumer complaint received 2024-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I recently discovered that {$30000.00} in monies left to me by my late grandparent were wrongfully kept by Wells Fargo without my permission. Wells Fargo refuses to advise me of the account infromation and I of course have no idea what the account number. If I knew the account number, I would not be filing a CFPB complaint. After my grandparen died, she bequeathed certain funds to me. Rather than advise me of this bequeath from my grandmother, Wells Fargo secretly opened an account in my name, without my permission or knowledge. Wells Fargo illegally kept this account open for at least one year before advising me of the existence of the account. To date, Wells Fargo has failed to give me any information about the account.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XXXX XXXX XXXXXXXX, {$300.00} A close account can not be state a past due XXXX  XXXX, {$180.00} Account # XXXX A close account can not be state as past due XXXX XXXX XXXX {$1400.00} Account # : XXXX A close account can not be state a past due XXXX, {$380.00} Account # : XXXX
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (FL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2020-07-08
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: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report :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 Company Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (FL)

XX/XX/30 customer called the company about a settlement letter for {$1200.00} from the original creditor XXXX company representative called and transferred to manager where he asked for the letter to emailed to him XXXX company representative called and stated that the offer was approved and wanted to set up payment ... planned for XXXX but the company was closed XXXX company representative called in the morning and afternoon ... I submitted the credit card info just to be told there is a problem. They asked for a copy of the letter XXXX company representative called again to offer a XXXX settlement and then transferred me to a manager. I politely said no stating you agreed to one amount just change it to a higher amount when I was ready to pay
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability a
gainst the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY (MD)

I had work done to my house and XXXX never completed the job. I filed a dispute with Wells Fargo and I explained the situation to them. They basically haven't done anything and told me that the company hasn't heard from me. I've offered to send copies of the emails that I've sent to XXXX andphonerecords. However, Well Fargo didn't want to see anything, nor help with the situation. Now Wells Fargo isn't returning any of my calls. I'm making payments on something that I haven't agreed too and contract has been broken by XXXX.
Consumer complaint received 2020-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I have $ XXXX assets across my US bank accounts.. In XXXX or so I created a child account for my daughter XXXX, just to get her an ATM card for emergencies. She barely ever used her account and she has access ONLY to her account, not to my other accounts. 
On XX/XX/XXXX, we noticed suspicious activities on her account ( some unknown XXXX transfers ) and contacted US Bank 1-800 number about this on XX/XX/XXXX ( the next biz day after we found out ). I was told that their fraud dept is looking into this ( person XXXX ) and that they would contact me. Had to wait for her to return from PTO when she sent us to the local branch. OK, so we went to the local branch and were told this would be resolved in 10 days. When more than 10 days passed with no outcome, and went to the brand again, at that time we realized also that all our account have been blocked. 
So just because XXXX account currently shows negative {$700.00} balance ( her balance before the fraud was {$300.00} ) they now blocked all my $ XXXX assets.. and my scheduled payments are bouncing off and I am being charged penalties. 
I have been reaching multiple times both via phone and in person at the local branch, and one moment they tell me to open a new account with them, close the old accounts ( since they supposedly might also have been compromised ) and transfer the balance to the new account, and the next moment they say I can not do that since my fraud claim was rejected with no further explanation and no access to my funds. 
I told them that if they are concerned about that - {$700.00} balance, lets put {$1000.00} aside from my account, but I really need to reestablish my access to the remaining $ XXXX to no availsomehow they just do not care??? 
Any chance you can help me here with my customer rights? I would have never expected this from US Bank ( such well known institution ) and I had been their customer since XXXX.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The following inquiries were made without my consent : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I lost my wallet at a gas station a couple weeks back and got charged at a place called XXXX XXXX  for a XXXX and some dollars. I made a dispute with chase bank and they told me someone confiscated my pin and card and they told me they will give me a temporary pin and card in the mail and give me a temporary credit to my account. Today I look and they denied my claim due to the person using my pin while doing the transaction. I was home sleep and they wont budge I offered to provided a police report anything and they still wont do anything about it.
Consumer complaint received 2020-10-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Kashia Services (MD)

I sent an email to the company on XX/XX/20 stating that I lost my job and to not withdraw any funds from my account, and that I would make OTHER PAYMENT ARRANGEMENTS. And that there will be no funds in the account to withdraw from. They have consistently tried to withdraw {$250.00} from account 5 times causing me to have NSF fees at {$32.00} making it a total of {$160.00}. They then successfully withdrew the {$250.00} plus a NSF fee of {$32.00} on XXXX/XXXX/20. Causing my account to be negative of {$290.00}. I have contacted the bank and they are allowing me to dispute the withdrawal. So now I am contacting your company for further assistance.
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (VA)

I opened an Apple Card with the sole purpose of using it for the interest free monthly payments on the XXXX XXXX XXXX. On pre-order day, I attempted to use the card to do so, but was met with the following message : " Thank you for your interest in Apple Card XXXX XXXX. 

Unfortunately, your payment was not approved at this time. 

Please go to the Wallet app to manage your Apple Card account or chat with an Apple Card Specialist. 

You can also continue your purchase by selecting a different payment method '' I've contacted Apple Card Specialists twice regarding this, and both told me the same - that my card was under review and had to wait it out. Funnily enough, I'm able to purchase other items just fine, even after attempting the XXXX XXXX purchase. However, any attempts to do the monthly payments ends up being declined. 

It's frustrating as I have already applied and been approved for the credit card with the intention of getting this product. Now, I've missed out on my desired pre-order pick up window and have to wait for this issue to be resolved. The XXXX XXXX officially releases on XXXX XXXX, and now I'm not guaranteed to receive it.