davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (DC)

Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX of XXXX Georgia made over a dozen unauthorized debit charges to my checking/savings for various amounts, multiple times per day in excess of the bank ATM allowed debits per day totaling over {$7900.00} over a four-to-six week period. 

My debit card is mandatory for ATM transactions at Wells Fargo bank and was printed with a visa debit card font as a locator for the printer of the debit card. 

On XX/XX/XXXX I went into Wells Fargo to address the fraud/unauthorized transactions that I had no knowledge had taken place ; the XXXX XXXX XXXX company made no contact with me prior to charges being taken at any time. 

I filed a fraud/unauthorized transaction claim at that time in a Wells Fargo branch located on XXXX XXXX XXXX in XXXX XXXX and was told by their employee XXXX XXXX that it would be put in high status for immediate attention. I then supplied XXXX XXXX with the back-up material I had about the XXXX XXXX XXXX via email while in front of him, at his computer inside the branch. 

Several fraudulent charges were made on several Wells Fargo debit cards over the course of my three months ( XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ) in XXXX XXXX, to the point that I had to frequent Wells Fargo locations multiple times to have new cards issued. We ( Wells Fargo employee XXXX XXXX and me ) discovered after reviewing all charges made during the three months that several hotels had also overcharged my debit card throughout the XXXX XXXX metro area ; we then alerted the fraud center of the other unauthorized charges in excess of {$2300.00}. 

As of today, XX/XX/XXXX, Wells Fargo has denied my fraud claims for the $ 10,000++ unauthorized debit card charges placed outside the area and without me present at the company making the charges. Wells Fargo did nothing to watch or protect my debit card ; Wells Fargo branches smirked at me and treated me as if it was a homeland security drill and the money was not mine. A Wells Fargo branch located on XXXX XXXX in XXXX XXXX, CA told me in XX/XX/XXXX that I would have to hire a lawyer and sue either the XXXX XXXX XXXXl or Wells Fargo. It is not my preference to file a lawsuit ; however, Wells Fargo has promoted their errors in the past year and said publicly they are caring for their customers. They did not treat my money like it was mine ; they made me feel like it was theirs and could care less that their actions left me without travel options, without shelter, and without food. 

Please contact me for details on how I can proceed here. This has been a year of chronic fraudulent activity allowed by Wells Fargo in my savings and checking and debit card.
Consumer complaint received 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (TX)

My name is XXXX XXXX and I own and operate the XXXX XXXX XXXX office in XXXX, Texas XXXX. 
Our office is currently representing XXXX XXXX XXXX and his estranged wife XXXX XXXX. XXXX XXXX XXXX owns the property located at XXXX XXXX XXXX XXXX, Texas XXXX. We listed this property for sale and have an offer on the table. 
We are not receiving the proper attention needed from the mortgage company M & T Bank and their servicing agent XXXX XXXX XXXX. 

It took XXXX XXXX XXXX over 3 weeks just to complete a pay off statement and because of this delay {$410.00} in interest was added to the delinquent amount owed by XXXX XXXX. XXXX XXXX has submitted a Short Sale Packet to XXXX XXXX XXXX however they have not acknowledged receipt of the packet. 

I am requesting assistance from the Consumer Financial Protection Bureau to contact M & T Bank and XXXX XXXX XXXX to cooperate with our office and XXXX XXXX XXXX to get this matter resolved.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-26
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. (OH)

I was notified of a hard inquiry on my credit report and received a call from XXXX XXXX Fraud Department inquiring as to whether I applied for a credit card and I did not.
Consumer complaint received 2023-09-26
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. (TX)

I hope this letter finds you in good health. I am writing to express my growing frustration and concern about the continuous presence of a late open account on my credit report, despite my numerous attempts to have it corrected. It is essential that my credit report accurately reflects my financial history, and I have made diligent efforts to address and rectify the inaccuracies that have adversely impacted my creditworthiness. 

Over the past several months, I have discovered a late open account listed on my credit report when I requested a copy from your agency. This late open account, which pertains to [ describe the account in question, including the creditor 's name and any other pertinent details ], is not representative of my financial history, and I have consistently disputed its accuracy. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have initiated disputes with your agency on multiple occasions to correct the inaccuracies related to this late open account. Each time, I have provided all the necessary documentation and evidence to support my claims, expecting a prompt and thorough investigation. 

Unfortunately, my persistent efforts have yielded no resolution or response from your agency within the 30-day investigation period mandated by the FCRA. This continued lack of response infringes upon my rights as a consumer and perpetuates the financial harm I endure due to this inaccurate late open account. 

Despite the considerable evidence I have provided to support my claims and the multiple attempts I have made to address this issue, the late open account continues to negatively impact my credit report, causing ongoing damage to my financial well-being. 

I insist that you take immediate and definitive action to investigate and correct the inaccuracies related to the late open account on my credit report, as mandated by the FCRA. Furthermore, I request a written response outlining the results of your investigation and the actions taken to rectify my credit report within the legally mandated timeframe. 

Failure to resolve this matter promptly and effectively will leave me with no choice but to escalate my complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. I am fully prepared to pursue any necessary recourse to ensure the accuracy and integrity of my credit report. 

Enclosed with this letter, you will find copies of all relevant documentation, including previous dispute letters, supporting evidence, and any other documentation substantiating my claims. These documents unequivocally demonstrate the inaccuracies related to the late open account and emphasize the urgency in their correction. Please help me correct the late open account : XXXX XXXX XXXX XXXX Balance : {$4700.00}
Consumer complaint received 2016-11-18
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My name is XXXX I have power of attorney for my mother XXXX. 
she is looking for account # XXXX that was opened in XX/XX/XXXX with XXXX bank, the bank was taken over by Bank of America in XXXX. We went to BOA and after a 2 day search they have no record of this. Checked NYS unclaimed accounts, nothing. 
She is XXXX XXXX XXXX and this is very upsetting to her and I we need help XXXX
Consumer complaint received 2023-04-24
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: Rozlin Financial Group, Inc. (NJ)

I been trying to get information from this company for months now to show that this debt is mine and when did I sign for it. Still no response.
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 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 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 2017-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I setup an income based repayment plan in XXXX. 2017 reducing my monthly payments from {$540.00} to {$120.00}. This made paying my student loans more convenient based on my earnings. 

Three months later, i find that the payments i have been making on this account has only been going to interest payments. I called XXXX and they informed me that the monthly payments always get applied to interest payments first. I graduated with a degree in XXXX XXXX XXXX and i work with amortization and interest capitalization schedules on a daily basis. I have an in depth understanding of how loans work and i am displeased with the deceptive practices by XXXX. 

My issue with XXXX is that they did not provide adequate information to the consumer of the loan when offering to lower their monthly payments. Their pitch to the customer is that you can qualify for reduced income based repayment plans and it will reduce the financial burden of your student loans. I was only provided with the reduced payment amount and nothing else. I was not given any information on how the payments would affect my loan nor was i given an amortization schedule for the new loan payments. 

Customers who qualify for reduced loan payments would gladly choose to have somewhat higher payment amounts if they find out that the reduced payment amount would not be affecting the balance on the loan. Essentially, the income based repayment is just a way for the loan company to make more money in the form of interest payments while the consumer gets no real debt relief. Once the loan gets recapitalized, the customer goes back to square one with respect to the balance of the loan. 

I am a firm believer in personal responsibility and for consumers taking responsibility for their decisions. However, this practice is deceitful and is harmful to student loan borrowers who are already saddled with large amounts of debt. Customers should be provided with new loan terms whenever adjustments are made to existing loans in order for them to make better decisions.
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED DUE TO XXXX, TRANSUNION, XXXX XXXX BREACHES. I HAVE INACCURATE DETAILS AND UNAUTHORIZED ACCOUNTS LISTED ON MY CREDIT REPORT. I HAVE MADE SEVERAL ATTEMPTS DISPUTING THE INACCURATE INFORMATION AND ASKED FOR A SWORN TESTIMONY OF METHOD OF VERIFICATION AND HAVE NOT RECEIVED THAT. I STILL HAVE YET TO RECEIVE REMEDY FOR THE INACCURATE DATA FURNISHED ON MY CREDIT REPORT. THERE HAVE BEEN MULTIPLE VIOLATIONS PER THE FAIR CREDIT REPORTING ACT. NOW I HAVE NO OTHER CHOICE BUT TO TAKE IT TO COURT
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was reviewing my credit report and I noticed a couple of unauthorized inquiries on my credit report, one from XXXX XXXX XXXX and the other one from XXXX XXXX.
Consumer complaint received 2023-09-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: U.S. BANCORP (OH)

I have had a heloc with USBank since XXXX. XX/XX/XXXX they reminded me aware of the {$90.00} annual renewal fee to be charged XX/XX/XXXX. That did not concern me. 

On XX/XX/XXXX I received a letter indicating that any use of the credit line is subject to application approval, credit check, and only allows draws on the account for one more year. In short, there is really no value to the account any longer. What benefit is there to having the HELOC. Can only draw on it until XX/XX/XXXX and must schedule repayment until XXXX/XXXX/XXXX. 

Because of its limited use and benefit, I asked to close the credit line, which they will do, but they do not refund the {$90.00} fee that was just charged. They claim contractual fee and not refundable. The fee is for the upcoming year. 

If I had known the upcoming limitations on the use of the account, I would have closed it a month ago. They charge an annual non refundable fee to provide a credit line with the highest flexible rate offered, still subject to credit approval and appraisal, and can only be drawn on for another year. What am I paying these fees for? Seems unbalanced to me. They quoted that I approved of these contractual provisions back in XXXX. 

Seems rather harsh to not refund a fee on a line of credit that has not been used in years, charges a higher than normal interest rate, and to not be willing to refund one business day after being charged. Especially since I have been a USBank client since XXXX for all our banking and also as a checking account holder and debit card holder before that since XXXX my first ATM card was with Star Bank . 

I really think this HELOC / mortgage practice needs to be reviewed. Very consumer unfriendly. What is the value of having a HELOC preaporoved if it charges higher than normal interest rates and is still subject to credit application and appraisal. What am I paying {$90.00} for? 

I would have canceled the HELOC in XXXX if I had known the limitations on the account which were not communicated until after the fee charge date. I do not feel like a very valued client. 

An annual fee of up to {$90.00} may apply after the first year. Application is subject to normal credit approval
Consumer complaint received 2017-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

We received a large check from our usual payer source of over a year. However, this time it was a paper check instead of a wire. Wells Fargo in XXXX XXXX Florida held the funds. 2 days later, only a few thousand was made available. After meeting with the branch manager, we were told the funds would be available in 24 hours. So, we made payments and as a result ended up with a negative balance of over several thousand dollars. The funds were listed as " posted '', yet still not usable. How is it that in 2017 a  bank can not contact another bank within minutes to verify fund availability? And how is it that it depends on the decision of the bank manager? And then how do they justify a statement saying funds are " posted '' and then not pay out on bill pays? From what I read in the law, its not legal and I want them to answer for their mistake.
Consumer complaint received 2017-12-13
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: SUNTRUST BANKS, INC. (GA)

On XX/XX/XXXX XXXX XXXX XXXX, Suntrust XXXX XXXX and XXXX XXXX XXXX XXXX banks sent an inquiry for a loan and I already purchased one on XX/XX/XXXX. I dont know why these banks would ask for my credit report a week after I already bought a car from XXXX XXXX in XXXX XXXX GA. I did not authorize this to be on my credit report and I want to know why they are on my credit report a week later.
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (CA)

I am writing to XXXX  my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX / XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX just before XXXX XXXX, I attempted to deposit {$2600.00} in cash ( all {$100.00} bills ) at the Capital One Bank, located at XXXX XXXX XXXX in XXXX, MD. This branch is referred to by Capital One Bank as the XXXX XXXX XXXX. The cash deposit was made at the drive through ATM on the far left, nearest the bank building. I inserted my card and signed in, indicated I was making a cash deposit and, when prompted, inserted the cash. The ATM took the money into the machine. Immediately after taking the cash a yellow long narrow box appeared in the middle the screen with the message that an error had occurred but did not indicate what type of error it was. The ATM screen then went back to the sign in screen but now with a message at the top that cash and check deposits were not being accepted at this machine sorry for the inconvenience. No receipt was given because the machine had shut down. 
I immediately parked and went into the bank and spoke to a branch employee located in one of the cubicles. I asked her to check the ATM. She stated there was no one who could open the ATM and check it for my deposit. She stated she could not do that and the only was to proceed was for me to file a claim which I did. The claim is # XXXX. I was also told I would be contacted by email, my email was provided at that time. I received a letter dated XX/XX/XXXX stating they were working on my claim ( no email ). After no further communication, I called claims followup at XXXX on XX/XX/XXXX and was told that an email had been sent and the claim was denied. I did not receive an email, either in my in box or spam/junk file. I requested via phone to know what actions by the bank were performed to investigate the complaint. 
I called back a second time that day ( XXXX ) and requested to speak to a manager. The manager kept asking if I had a receipt which I did not due to the ATM closing out my transaction. She pulled up some files and stated that the video showed me at the machine as I claimed but could not verify the money deposited. She stated they would investigate further and contact me by email. I have received no communication at this writing. 
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating my dispute was resolved and they denied my claim. This was obviously sent before my phone call. 
I believe I have followed proper protocol concerning this claim but I am not satisfied with the result which does not contain detail steps the bank took to recover my lost cash funds.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

In accordance with the Fair Credit Reporting Act XXXX Account Number # XXXX XXXX XXXX and Account number # XXXX XXXX XXXX have 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.