davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

the problem was Identity theft and funds where transferred from my checking account to a XXXX credit card that is not mine I then filed a fraud report with wells fargo and filed a police Financial Crime Report and Filed with the FEDERAL TRADE COMMISSION a Identity Theft Report and filed a EXTENDED ALERT REQUEST with XXXX and sent a copy of my bank statement and a copy of all the forms i filed to wells Fargo so they would reimburse my XXXX that was fraudulently taken from my checking account this happened on XX/XX/2020I sent all forms to wells fargo on XX/XX/2020as of this day XX/XX/2020 I have not received a reply or any kind of notice from the bank the only letter I received from wells fargo which is dated XX/XX/2020 is a letter claiming they are not going to reimburse my money to my checking account that i closed out I am sending off today XX/XX/2020 a follow up letter to wells fargo from the last letter i sent to wells fargo XX/XX/2020 and today a second fallow up letter it has been 104 days and no reply from the first letter and I also had been applying for a mortgage loan and when all this of COVID19 they put my loans with wells fargo on forbearance so the after i did not qualify for the mortgage loan because of that and so the charged me XXXX dollars for loan fees
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (GA)

Credit card by US Bank Kroger Mastercard was opened and items added up to {$20000.00}. The person closed the account and opened up multiple accounts even after I called and said these charges were fraudulent. US Bank said a second card was opened and had additional charges of {$20000.00}. So, in total per US Bank it was a total of {$40000.00} between the 2 cards. Also, My personal bank at XXXX XXXX XXXX was attacked and they attempted to get money from my personal checking account. The person was XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Cell number from XXXX XXXX, ( XXXX ) XXXX. 
I received some information on the charges and I was promised all the information and I signed a sheet saying the items were not charged by me. I received letters from XXXX and XXXX, XXXX XXXX XXXX, Ext XXXX and Ext XXXX. I talked to XXXX several times and promised all the information and I still have not received all the charge information I need additional information to file a police report so this can be complete on my credit reports and also to see if charges can be filed. This has been a long process and US Bank was helpful at first but I can not get all the information that is needed now.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (MN)

I am refiling complaint # : XXXX, originally filed on XX/XX/2020, as my complaint was not addressed or resolved by the response provided by US Bank Reliacard. 

My desired outcome : US Bank Reliacard communicates to me an exact date that I can withdraw the balance of my account. I am fully aware that US Bank Reliacard has daily withdrawal limits. I want to receive 3 EXACT dates that I can go to the bank to complete the maximum daily withdrawal to bring the account to a XXXX balance. 

As noted in prior complaint # XXXX, I have made many attempts with US Bank Reliacard to resolve/withdraw the balance of my account. 

As you can see in prior complaint # XXXX, US Bank Reliacard has given me dates to withdraw the account balance several times, and when I get to the bank, the transaction does not go through as promised by US Bank Reliacard.
Consumer complaint received 2020-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (GA)

My Name Is XXXX XXXX Today Date Is XX/XX/XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XXXX XXXX data breach several accounts on my credit report are not mine listed XXXX XXXX CARD SERVICE # XXXX I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Consumer complaint received 2024-01-04
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. (IL)

in the year of XXXX, months starting near XXXX until now have been causing adverse action to me while reporting transactions. 

Exclusions of my " consumer report '' deal with any report solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL (TX)

I purchased a {$60.00} dollar pair of shoes from Belk & signed up for their credit card to save money. I wore the shoes to work that night but was told that they were not slip resistant and would not work for my job. I returned them to Belk the next day, but they never removed the debt from my credit card. I didnt know about it and never made a payment on it. Eventually, I called and settled my dispute with Belk and they recognized their mistake and quit trying to charge me for a pair of shoes that I returned. However, it is still negatively reported on my credit. The Belk Rewards card was from Synchrony Bank.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

I send a letter to discover ( the credit card company ) that they are reporting inaccurate information such ass balance updated ( inaccurate ), status updated, balance and payment history all inaccurate. They ( discover ) stated that this was verified and it still reporting inaccurate. They are still reporting inaccurate information and I want this deleted also I want my {$5000.00} total from ( discover ) for violating my rights. Is {$1000.00} per violation and there is 5 of them
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: COMMERCE BANK (TN)

I contacted Commerce Bank multiple times in the months of XXXX and XXXX to speak with a representative regarding my Covid-19 pandemic related financial hardship. I was only ever able to get in contact with a collections agent, and that individual refused to let me speak with anyone else. I was told multiple times that a manager or  supervisor would return my call, buy nobody ever has. The collections agent, who was not a manager or supervisor, was not willing or able to help me with my account. 

I was attempting to request additional financial relief, as Commerce Bank had previously extended me a period of payment deferral in regards to the Covid-19 financial hardship. I have also been experiencing hardship as a result of living in a FEMA Designated Disaster Area from a Tornado that occurred at the beginning of the Covid-19 outbreak. I was calling Commerce Bank to request an extension of the deferral, or explore any other options they might have had for a person in my position. Unfortunately, they do not appear to be staffed to handle consumer issues in a manner compliant with federal banking regulations. 

Additionally, the terms of my original payment deferral period was supposed to extend through the month of XXXX, but either this was not honored or I was improperly informed as to the length of the original deferment, as it appears to have ended in XXXX. Consequently, Commerce bank has engaged in negative credit reporting. I have tried to contact them to get this corrected, because it is not fair to hold me accountable to terms that are different than what I originally agreed to when the deferral was offered to me. 

I do not think it is unreasonable for me to be requesting a payment deferral in light of the current economic crisis, and the banking industry is largely in agreement with me, as evidenced by the much more generous terms that have been extended to me on accounts I have with other major financial institutions. 

I also think it is very problematic for a company to not even be willing to discuss the situation with me, this is very unreasonable, and probably illegal in the financial services industry.
Consumer complaint received 2020-08-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (VA)

Guaranteed Rate originated our home mortgage loan. The loan was held temporarily with their Short Term Loans Department and then transferred over to their Long Term Loans Department. We made our first two mortgage payments by mail and on time with the lender provided payment coupons that we received at closing. The first two payments were received and cashed by the Short Term Loans Department which then should have been applied to their Long Terms Loan Department ( according to Guaranteed Rate ). This is  where payment history confusion ensued. Guaranteed Rate shows us as overdue on one of the first two payments despite both payments being withdrawn from our bank account by them. We have been in contact with Guaranteed Rate to help then resolve their accounting issue for approximately one month. No progress has been made and we have been told a different story every time we've been in contact. Attempts to assist have been met with negativity and poor customer service from staff supervisors. We were also reported as delinquent on a mortgage payment ( one which has cleared our bank account ) to the credit bureaus. Guaranteed Rate presents as a tangled mess to it's customers and has failed to act timely in resolving an issue that they have created and then inaccurately reported their customer ( us ) as delinquent without empathy or concern for the long term impact of delinquent reporting.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Ive contacted the credit bureau in regards to an account that has been settled and agreed to delete BUT HAS NOT BEEN DELETED ... Im attaching the check front and back with agreement to pay to delete XXXX XXXX IS THE ACCOUNT SETTLED FOR {$65.00} but is still reporting collections of {$110.00}
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Has Violated My Consumer Rights as A Natural Consumer 3rd Notice XX/XX/year> Notice to agent is notice to principle Notice to principle is Notice to Agent Applications to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Credit Card '' 15 USC 1602 ( 1 ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. There is no limitation to the term any. Any means all. This is why a social security card is technically a credit card because it is always used to obtain property, money, labor, and credit. ) Each violation of Title 15 of the United States Code is {$1000.00}. I the consumer and natural person have the right to invoice ( Wells Fargo Bank for their unlawful acts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Attention CEO, XXXX Wells Fargo Bank, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Adverse Action Dear, Wells Fargo The consumer and natural person, was denied credit, By Wells Fargo Bank NONE when I applied for credit card for XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in IS US.C 169lc and is pursuant to civil liability under 15 USC 1692K You are subject to criminally liability for violating 15 USC 1691 as I have proof that I was discriminated against by Wells Fargo due to the response I received Wells Fargo is in violation of 15 Us Code 1642 USC1681m and 12 CFR 1002 because | the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ] was used and I received NO benefit. This is proof of Fraudulent activity ( unauthorized use of credit card on the behalf of Wells Fargo Bank if Wells Fargo Bank falls to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Wells Fargo Bank criminally and civilly liable for all actual damages pursuant to 15 USC 1681m and 15 USC 1681. I will also follow up with an invoice for said violations {$1000.00} per violation. 
Thank you, XXXX, XXXX, XXXX ( Agent/Beneficiary ) XXXX Without Prejudice, All Natural Inalienable Rights
Consumer complaint received 2019-09-05
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NE)

I was charged {$280.00} by Amazon in XXXX on my Southwest credit card from Chase bank. I checked both my Amazon account and my wife 's account and there were no purchases reflecting this amount. I called Amazon and they pulled up the purchase and claimed it was for a paperback book and confirmed my name and address. I did not, nor would I ever, spend {$280.00} on a paperback book. I immediately called Chase to report my card number as stolen and dispute the charge. I was given a credit originally, but then received notice that it was recharged because Amazon had provided proof that something had been shipped to my address. I did not receive any item. I've called both Amazon and Chase repeatedly to report this as fraud, and they both are claiming that the transaction is valid. It is obvious to me that someone clearly got access to my card number, opened a seller 's account with Amazon, listed a paperback book for nearly {$300.00} so they could get that money from me, and then shipped something to my address. My only assumption is that it was an envelope or some sort of junk mail that got discarded. I have since closed my Chase credit card and paid the amount to prevent my credit from being impacted. However, I just received another letter from Chase saying that they have closed the fraud claim and will not respond to additional reviews without additional information. The last time I spoke with them they said we needed Amazon to provide documentation stating that we did not purchase this item, but Amazon will not do so. Regardless of whatever was apparently shipped to my address, I did NOT order this item and am the victim of fraudulent activity.

I opened this card specifically to make a large purchase ( countertops ) for a home remodel. That purchase was paid off in the next billing cycle. Other than that, I'd only used it two other times for small purchases when I didn't have another card with me. This purchase is suspicious on it's own, but is also outside of our normal activity and not connected to either of our actual Amazon accounts.
Consumer complaint received 2020-08-11
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)

THIS IS A NEW ISSUE AND SHOULD BE HANDLED AS A SEPARATE COMPLAINT THIS ISN'T A DUPLICATE COMPLAINT EQUIFAX REQUESTED ME TO IDENTIFY MY IDENTITY ALTHOUGH I HAD PROVIDED PROOF OF MY IDENTITY WHEN I SUBMITTED MY COMPLAINT HOWEVER, IT HAS BEEN PAST THE REQUIRED TIME-FRAME IN WHICH EQUIFAX IS BOUND BY FEDERAL LAW TO RESPOND TO MY COMPLAINTS AND THEY HAVE FAILED TO DO SO. I WILL CONTINUE TO FILE A COMPLAINT EACH TIME THIS FEDERAL LAW IS VIOLATED BY EQUIFAX.
Consumer complaint received 2024-01-04
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. (FL)

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

has violated my rights. Or a list of inquiries : 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 2021-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Neon Newco Corporation (CA)

I was waiting on pending deposits for my account, every time I try to find a solution online the company ends up confusing me with more information than usual. When I call customer service, I'm told that the information I'm requesting can't be given to me, I can only see it online or I have to contact whom deposited in my account. The problem is that I'm in a group of beneficiaries that were going to receive grants. The information is public so individuals of that group can receive the grants. I don't know to do it & that's the reason I contact the company but I'm denied the help.
Consumer complaint received 2024-01-22
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Back on XX/XX/XXXX an pandemic unemployment account was created in my name. The card was sent to the assailant address. i found this information out when i received a notice stating that i had to pay a over payment from unemployment back. Unemployment had 3 addresses on file under my name. 2 that belong to the assailant and one that belong to myself. Back in XXXX i Tried to apply for pandemic unemployment and i was locked out. It stated an account was already created. I Called Bank Of America i gave them my address. They advise me that was Not the address on file. I asked them could i change on file or could they give me the address they had on file. She stated NO, they couldn't give me the address they had on file and if i needed to make any changes i had to contact Maryland unemployment. I tried contacting Maryland unemployment for months with NO luck. I them received a notice about an over payment. via email. I tried emailing, calling, and visiting the building. no one answered email, the phone lines was still busy, and building still closed. I filed a police report with XXXX XXXX Police Department in XXXX about identity theft because at this point i have received SEVERAL notice of someone using my Social security number and DL. In XX/XX/XXXX i had to make an appointment with XXXX ( XXXX XXXX XXXX ) to report that my DL was stolen and the same day i was reporting that someone was creating a Social security account having a SS card mailed to them. I couldn't get a dup DL until XXXX of XXXX a month after an Unemployment account was created. i have submitted so much evidence police reports, XXXX reports, Social security administration letters stating fraud was created, i have disputed BOA transactions from day XXXX XX/XX/XXXX just to continuously get denied. i have provided ALL documentation and still DENIED. I have even provided the information and address of the person that committed the crime. Still DENIED. Once i sent my DL via fax they Finally changed my address to my Correct address after serval attempts of trying to give them my correct address. Once they changed my address all i ever received was denial letters from the disputes about the whole ordeal.
Consumer complaint received 2021-07-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc. (FL)

I am just entering the 3rd year of a 3 year lease agreement with Tesla Finance. At the beginning of the lease I set up auto debit on my account and Tesla withdraws the lease payment from my checking account on the 12th day of every month. For two years all was perfect - equal monthly payments of {$520.00} as called for in the lease. But on XX/XX/2021 Tesla, without any notice or explanation, withdrew {$1100.00}, an extra {$600.00} over the monthly lease payment. 
I sent an email to Tesla finance about the issue to find out what was going on. I received no response to that email. I called and spoke with someone named XXXX who told me the extra amount was for " taxes ''. I asked her to send me back up supporting these taxes as I couldn't imagine what they are for. She promised to send an email - nothing arrived. I called again and spoke with XXXX again. I insisted that they provide detailed back up to explain why they had taken this money from my account. She said she would and proceeded to send me a copy of the monthly statement - which contains no details, just dollar amounts without explanation. I called again - was on hold for a very long time so I sent another email demanding they address my concerns. Nothing. 
I do not know what to do - until they can demonstrate why I owe this additional {$600.00} I consider it stolen. Too small an amount to hire a lawyer but a lot of money to me. I am grateful for any assistance you can provide to get Tesla to respond. This shouldn't be this hard. 
Thank you.