davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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: WELLS FARGO & COMPANY (FL)

I'll keep this brief. I opened a checking and savings account with Wells Fargo in 2018. As I'm sure you, the reader are aware, there was a historic data breach and criminal conduct on the part of the bank. I actually wasn't aware of the scope until recently. Anyway, my accounts were constantly being hacked, frauded, all of my info compromised-all over the internet. Other bank accounts opened in my name. Money stolen out of other institutions probably from their data negligence. I work in private equity so I was pretty stressed already, but then identity theft on top of it... it was horrible and still is. I reported the identity theft to wells fargo, really didn't change anything. Still fraud, new products being applied for or taken out ... in fact one day I was in my office and fedex drops off a portfolio from Wells Fargo, an investment one. I had never even given out my work address, and do all of my investments through XXXX. My credit is in the gutter now, because of the idenitty theft. I was constantly paranoid, and buying new electroincs and all sorts ofproducts to try to safe guard my life, but nothing worked. I am now in a dispute with them over something else, and am pulling my business, but I wanted to know what I should do regarding the identity theft piece? Is there any recourse? Who should i officially file idenity theft with, besides teh bank. And is there any way to get a car loan or credit card if you workl, but are a victim of idenitty theft. I would watch people hack into my paypal accounts foreign countries, using my data and using credit cards to buy mass purchases, and here I am and can't even get an unsecured cc or a car rn. Lastly, this saturday I needed some cash in my wells fargo account, so I took one of my XXXX  checks, wrote it out ot myself and mobile deposited it. Thought nothing of it, perfectly legal. I got an email this afternoon that they would be closing my checking account, as the check that I deposited seemed to be " altered. '' I mean it's so unfathomable ... of course it's altered, it was a blank check of mine from a different institution and needed to be written on. Thank you. 

Best, XXXX XXXX
Consumer complaint received 2024-01-18
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-30
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Dear XXXX, Experian, and XXXX I am writing to dispute certain inaccuracies in my credit reports regarding my XXXX XXXX auto loan account. The details are as follows : Account Name : XXXX XXXX Reported Balance : {$4400.00} Date Opened : XX/XX/XXXX Account Status : XXXX and Experian report the account as " Charged off '' with a balance of {$4400.00}, while XXXX indicates that I have 100 % left to pay on this loan. This discrepancy suggests that XXXX is not updating the account status accurately. 
Consumer Law : Under 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information identified as resulting from alleged identity theft, not later than 4 business days after receipt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, this account is in violation for not reporting 100 % accurately. 
Payment History : XXXX indicates that I have made no late payments ( XXXX ), while XXXX shows that I have only made 18 % of payments on time and lists XXXX missed payments. This significant difference needs to be corrected. 
Consumer Law : The FCRA mandates that credit reporting agencies ensure the accuracy of the information they report, as stated in 15 U.S.C. 1681i. 
Last Payment Date : There is a discrepancy in the reported last payment date : XXXX lists it as XX/XX/XXXX, while XXXX states it as XX/XX/XXXX. While minor, accuracy is essential. 
Consumer Law : Under 15 U.S.C. 1681e ( b ), the FCRA requires that all reported information be accurate and verifiable. 
In accordance with the Fair Credit Reporting Act, the accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Pursuant to 15 U.S.C. 1681, I have the right to privacy, and under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting the original copy of the agreement and the terms and conditions associated with these accounts. Failure to comply will forfeit your claims and require you to delete all the items listed above. You are required to block these transactions from being reported to my credit report within 4 days from the date of receipt of this notice. 
Delete these accounts unless you wish to be held accountable for {$1000.00} per account. 
Please confirm receipt of this letter and inform me of the outcome of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (OH)

On XXXX I was going to transfer money into my bank account XXXX BANK. When I opened the cashapp app on my mobile device it had me completely do a new login. I didnt think something was wrong until I put all my information in and it said zero0. I called cashapp and they required the screen name associated with my account. I didnt know it by heart so I reached out to my XXXX XXXX XXXX daughter. She sent me a screenshot and I called cashapp back with the app information. $ XXXX is the account in question. They told me at XXXX am on XXXX {$1400.00} was sent to XXXX last XXXX of card and the email associated is XXXX. It seems that time was the time I tried to open the app on my phone? I had XXXX direct deposits from my employer and I did not have a card to this account. Actually I ordered XXXX and it came on XXXX but I no longer had an account to activate it. Ive never took a deposit from this account. I have a XXXX XXXX XXXX daughter and the history from my account was sending her $ XXXX {$30.00} every few days. I also paid a few people for work, never more than {$100.00}. I have no clue about this card information nor do I have any clue about this outlook email? Please help me, XXXX a XXXX veteran and this money was for bills.
Consumer complaint received 2023-07-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (TX)

On XXXX XXXX I made an agreement with Westlake financial services to pay off an auto debt. We agreed on a payment and it was paid off. I proceeded to ask for a settlement letter that I have yet to receive from the company. I have been calling several times each day. Im either getting disconnected or the response is they are sending a request to get the information sent to me.
Consumer complaint received 2024-12-05
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: U.S. BANCORP (CA)

During the month of XXXX I decided to call US bank home loans to ask for help due to damages caused to my home during a storm not covered by my home insurance. During that request, I was offered a forbearance period of two months. It was my understanding that payments would resume the month of XXXX based on the 2 month request I had made. I called US bank to ask why I was receiving late letter notices and was advised to disregard these letters due to my forbearance period. I am now being told that the payments were due XX/XX/XXXX and a 60 day delinquency has been placed on my credit bureau reports. I have spoken to three different reps and no one takes accountability for their mistake. This has severely impacted my score and I find the way this was handled unacceptable and damaging to the consumer. Please help!
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (MA)

On Tuesday, XX/XX/XXXX, I received a credit monitoring alert that a new Credit Card Account had been opened under my name from Fortiva. The same day an envelope came in the mail containing a Fortiva credit card. I never applied for this card, nor do I want it. I never applied or requested this card, and the only time Ive ever used this company was years ago for a XXXX payment plan.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

American Express process my payment automatically every month 2 days before the due date and this month there wasnt enough money in the checking account so I contacted them the next day if they could make a manual payment before the due date to avoid late fees they refused and said it is impossible. I need to wait three days for that automatic payment to come back, at which point it will be after the due date and then they will process it again and I will be charged late fees. 

This is an unfair practice that I have not experienced at any bank to not allow a manual payment at any time, essentially refusing to take my money and forcing me to pay fees. This should be illegal and I assume many consumers of American Express have been hit with fees due to this practice and it should be thoroughly investigated. 

See attached my conversation with the American Express agent.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX - XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> Name : XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Current Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Previous XXXX ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX  XXXX
Consumer complaint received 2020-04-18
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: PNC Bank N.A. (GA)

On the third of XXXX of 2020 I went to an ATM to withdrawal {$80.00} out of my account. I had a {$100.00} balance and planned on leaving the remainder. After several attempts and several surcharges added up I still was not being granted my funds. As I checked my balance again I could not believe my eyes as my balance presented {$0.00} remaining in my account. It was devastating to say the least. I am on XXXX and rely on every penny that I can get to support my family. I contacted customer service on the sixth of XXXX and then called the claims department. No one seemed to know how to help me. After several desperate phone calls to this department and that department with no one giving anykind of realistic name or title of position they held I felt like such a fool for even trying. Still no one has offered to credit me back my {$80.00} balance realistically {$100.00} balance, but all I was asking for was the amount I tried to withdrawal and never received. The claims department told me it would be 4 to 7 days then 7 to 15 and then it became 15 to 30 and then it finally got up to 30 to 45 days before the investigation could be completed.that when I decided something had to be done on a different level.
Consumer complaint received 2023-07-19
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: Experian Information Solutions 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 : XXXX - XXXXXXXX XXXX  ( BANK ) XX/XX/XXXX - XXXX ( BANK ) XX/XX/XXXX - XXXX XXXX  ( FINANCE ) XX/XX/XXXX - XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX - XXXX XXXX  ( FINANCE ) XXXX XXXX, XXXX - XXXX XXXX ( BANK ) XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX EXPERIAN - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: U.S. BANCORP (CA)

Union Bank was absorbed by US Bank, and I was left with no choice but to open an account with US Bank. 

XXXX months ago, my online account stopped functioning. I reached out to the Online Resolution Center, but received no response. I've repeatedly visited the US Bank XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, requesting a resolution, but even with the managers assistance, the issue remains unsolved. 

Each time, I change my username and password, and it temporarily works. However, after a few hours, the newly set password becomes invalid again. When I asked for a higher-level person who could resolve this, they suggested it could be due to my device being old or because my password included uppercase letters, though uppercase letters are allowed by their own password rules. They refuse to acknowledge any fault on the part of US Bank. 

Ive been coming in for XXXX months to resolve this issue, and while they know me by face, they show no commitment to truly resolving the matter. 

This ongoing issue has caused problems with my companys monthly payments, affecting the credibility of my business. I also have automatic payments set up, but they aren't functioning. I've even been penalized for late payments by US Bank, despite this issue not being my fault. 

In 2024, its unacceptable that a banks online system would go unresolved for over XXXX months. Please take action to hold US Bank accountable for this negligence.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

I am disputing a charge of {$2100.00} to my XXXX Citibank Credit Card # XXXX XXXX XXXX XXXX. The charge is in error because the customer service representative reversed a charge on my account without my permission. I am seeking to get this charge removed from my account, that finance charges related to the disputed amount be credited to my account be removed, and that I get an accurate statement. 

I have contacted Citibank on several occasions to get this issue resolved : On XX/XX/2023, I talked to XXXX Citibank Member Services, and the customer service representative reversed a previous credit without my permission. 
On XX/XX/2023, I talked to XXXX in customer service, and he requested on audit on this charge. 
On XX/XX/2023, I talked to XXXX and was told to wait XXXX business days, and I would see a credit on my account. That did not happen. 
On XX/XX/2023, I talked to XXXX and XXXX. XXXX told me to expect to see a credit on my account by XX/XX/2023. 
On XX/XX/2023, I received a letter from Citibank indicating they had permanently closed the dispute, and I had no further recourse. 

Enclosed are copies of the audit conducted by the dispute department at Citibank, veriyfing my claim that I had been charged twice for the item. The total balance should be {$2100.00}, not {$4200.00}. Citibank has yet to give me credit for the {$2100.00} due me. Interest is accruing on this item. My account is current on other items. 

Please do whatever is necessary to correct this issue.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (IL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX  Employers : XXXX XXXX  Name : XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, my XXXX, XXXX XXXX XXXX XXXX XXXX initiated a {$5000.00} wire to wire funds to XXXX XXXX. It said wire would be sent on XX/XX/XXXX. The money was never received by XXXX XXXX. I have gone round and round with Wells Fargo Bank to find out where the {$5000.00} is as XXXX XXXX does not have it and it has not been returned to my bank account. Wells Fargo case number is XXXX. They sent a message to me on XX/XX/XXXX that " the beneficiary bank responded on XX/XX/XXXX advising the funds had been credited to the intended account successfully. '' However, it is my understanding per XXXX XXXX as of this morning XX/XX/XXXX that no funds have been received.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (AK)

We were sent to collections for a bank fee with Key Bank that we feel is unwarranted and inaccurate. Since filing a complaint with them, they have waived the fee and interest associated with this issue, but have not removed it from our credit report. 
All our information is attached below.
Consumer complaint received 2024-10-31
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Company will begin assessing charges on receiving a paper billing statement. I, like many others, have always elected to receive paper billing statements to retain for my records. Furthermore, in the unlikely event of my death, family at my residence can easily be made aware of my creditors. ( After being the executor for my fathers estate, paper billing statements assisted in identifying which creditors needed to be notified of his passing. ) This creditor had offered on several occasions for customers to adopt to electronic statements, all the while mentioning it was optional. Now it appears they are imposing a fee for paper statements. Verbiage provided to customers is below. 

We're following up on recent changes to your Synchrony Bank issued Credit Card agreement. Starting in XX/XX/year>, a {$1.00} fee will be charged to your account each month you are sent a paper billing statement. You can avoid this fee if you set up paperless statements and are sent your statements only in electronic form.