davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (UNITED STATES MINOR OUTLYING ISLANDS)

Sometime near the end of XXXX, I received a piece of direct mail ( see attachment ) that came jointly from State Farm ( the insurance company I use ) and US Bank ( a bank I had never heard of or used before. ) The mailer stated the following : " Earn {$500.00} Deposit Account Bonus with a new U.S. Bank Business Checking account. 
Follow these three steps to qualify : 1. Open a new U.S. Bank Silver, Gold, or Platinum Business Checking Package using promo code XXXX. 
2. Deposit {$5000.00} in new money within 30 days of account opening and maintain it for 60 days. 
3. Make 5 qualifying transactions and enroll in U.S. Bank online banking or the U.S. Bank Mobil App within 60 days of account opening. '' After opening the account, I experienced extreme difficulty funding the account with the {$5000.00} amount due to errors beyond my control at the bank. By the time I was able to get the correct amount into the account, the 60 days had passed. After many phone conversations, including with a call center manager who confirmed it would never happen, I finally gave up on ever receiving the {$500.00} bonus that was promised. A week or so later, I received a phone call out of the blue from someone at US Bank who had reviewed the recordings of the phone conversations and the records of my account. She apologized profusely about the problems and promised that I would indeed be eligible to receive the {$500.00} bonus. 

After transferring {$5200.00} on XX/XX/XXXX, I proceeded to make qualifying transactions and enroll in both online banking and the mobile app. I noticed on XX/XX/XXXX or XX/XX/XXXX that my account balance had dipped slightly below the {$5000.00} mark -- the lowest it got was {$4800.00}. I immediately deposited an additional {$250.00}, which put the balance back to {$5100.00} on XX/XX/XXXX. I also called US Bank and was assured by the first person I spoke to that US Bank " would use an average daily balance '' to determine the {$5000.00} balance for the promotion. 

Last week I checked the balance to see if the {$500.00} had indeed been deposited. It had not. So, I called again - likely the XXXX time total for calling or receiving calls about this issue -- a HUGE investment of my precious time. I was told that they would look into the issue and get back to me about a resolution. A few days later I did get a phone call back stating that I would NOT receive the {$500.00} bonus because the account had dipped below the {$5000.00} mark for a few days. 

This is the reason I do business with small, local banks who resolve problems the first time and stick with their word.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX partial acct. no.XXXX is appearing on EQUIFAX and XXXX  credit bureaus as an unpaid charge off.XXXX has previously deleted.

The problem stems from the fact that the car is a lemon.XXXX  and I were previously involved in litigation of this .Since I'M NOT PAYING FOR THE CAR, DON'T WANT IT, I WOULD ASSUME THAT XXXX WOULD REPO THE CAR ... I WOULD GLADLY VOLUNTARILY SURRENDER THE CAR IF IT WOULD RID THE XXXX DEBT, but I don't want the car and neither does XXXX  , but they want me to pay for the car or they destroy my credit.I believe that the original contract is in full force and effect and not changed or modified by any of our dealings.. ... and would call for XXXX  to reclaim their security ... .and credit the value of the car ... and any balance left I would be responsible for.

BUT IT APPEARS THAT XXXX THINKS THE CAR HAS NO VALUE BUT THEY WANT ME TO PAY FOR IT AS IF IT DID.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I went to a XXXX ( gas ) station ( private label credit card ) and was not able to get gas for my car. When I called their customer service number to discuss the issue ( XXXX ) I was alerted this account was closed. I asked when and why this account was closed since I have been a customer since XXXX. The account rep told me the account was closed in XX/XX/XXXX due to inactivity. Then I asked if they could furnish me with proof that I was alerted that the account was " in danger of closing due to inactivity ''. Furthermore, I also asked if they could furnish me with proof that I was alerted that the account was " closed due to inactivity ''. The account rep could not because as the customer I was NOT alerted in any way, shape, or form. I believe this is in clear violation of my rights as the account owner, not because the account was closed, but because I should have been made aware of the account closure either before OR after. None of which took place. Please hold this financial institution accountable for acting fraudulently.
Consumer complaint received 2023-04-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

All this occurred on XX/XX/XXXX. I was in XXXX, Colorado. My new ATM card was always in my possession in my wallet. I was alerted by my daughter that {$5000.00} was deducted from her checking account by tele-transfer and deposited into my checking account. Our accounts are linked on line as she works for us and we transfer money to her. Then when we looked at our account and there were XXXX withdrawals of {$900.00} each and 11 withdrawals of {$500.00} each withdrawn from my account taken out all using XXXX cash which we understand is some kind of sports betting. All this was done with my ATM card which was in my possession. We were shocked this many transactions were allowed by Wells Fargo with no fraud alert. I had only used this new ATM once on XX/XX/XXXX when I withdrew {$1000.00}. I tried to get {$200.00} more out of several accounts and it did not allow it. Yet..someone that was not me was allowed to take {$10000.00} out in 17 transactions on one day with no alert given. The only transaction I made with this card was at a Wells Fargo ATM. So obviously there was some kind of skimmer on that machine. We are shocked we could have {$10000.00} over 17 transactions deducted from a our Wells Fargo account with no fraud alert or protection. Where is the protection when you put your money in a bank that is supposed to keep it safe? So far, no solution from Wells Fargo. Only one phone call in 5 days. Nothing else.
Consumer complaint received 2023-09-29
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2018-06-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Wilson Law. LLC (MO)

XX/XX/XXXX received documents in mail about court approved payments to be taken out without myself being served to go to court didnt know anything about it until payments was taken out before i received the letter in mail, amount that was owed {$5500.00} and they received that full amount on XX/XX/XXXX instead they continue to go in my checks and the amount they say i owe no is more then the balance that was owed because the car was sold for the amount of {$6500.00} and the total amount of the car was {$10000.00} as of today they still garnishing my check for {$9500.00} i have documents that say different. The actual company said they received their money years ago and that they dont understand why money is still being taken out from my checks and that i should call the Wilson Lawyer company and i havent received a call back still
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (AL)

I received an email from a XXXX XXXX at XXXX Pretending to be an agent of the Department of Education. The body of the email reads : Hi this is XXXX XXXX, Im following up regarding your eligibility for student loan forgiveness and we were unable to reach you at your home. It looks like your application is incomplete, and still needs to be submitted before the end of the forbearance deadline. Its urgent that you call to complete your application prior to payments resuming in XXXX. As a reminder all loan statuses qualify even those in default and garnishment. If you could please call your dedicated eligibility counselor at : XXXX, to complete your application, and finalize your enrollment as soon as possible, as benefits are offered on a first come, first serve basis. Please be sure to provide your approval code : XXXX when speaking to your counselor to expedite your call. Thank you, bades zulica _. 
_. 
-. 
- This is an advertisement. XXXX XXXX XXXX # XXXX, XXXX, New Mexico XXXX, get removed from list at : XXXX XXXX
Consumer complaint received 2023-09-29
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. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Messerli & Kramer P.A. (MN)

XXXX XXXX / XXXX RE : XXXX XXXX XXXX XXXX XXXX Our File No. : XXXX CFPB Case No. : XXXX Ive also received credit report and noticed a violation. Account number : XXXX I sent your company a debt validation letter. I then had a copy of my credit report pulled and noticed that your company did not mark my validation request as being in dispute. From my understanding, this is a violation of XXXX and it carries a fine of {$1000.00} per violation. 

Let me remind you that this is a statutory violation and it does not require me to prove damages. I can just simply hire a consumer rights attorney to bring suit for your violation. 

XXXX received a copy of a debt validation letter in XX/XX/2023 via certified mail. Your company and XXXX have violated the law. 

Im willing to settle this matter in the following way : ( 1 ). You agree to remove the inaccurate account from my credit within five days of signing this letter.

( 2 ). You also agree not to sell or try to collect this debt in the future.

( 3 ) .You also agree to not report any portion of this debt to the credit bureaus or any third party.

( 4 ). You agree to pay me {$500.00} for violating the FDCPA. If you agree to the above terms, please sign and date and mail me the check and a deletion letter to the address listed above. If you choose to ignore this letter, I will be exploring all legal options on this matter.

( 5 ) You agree to return the funds that were garnished and unauthorized to the bank account.

If this goes unresolved I will be hiring an attorney to sue for damages against these violations to the fullest extent. 
XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-09-29
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)

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. 

Account Name : XXXX XXXX XXXX Account XXXX 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 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX XXXX XXXX  is reporting on my credit report as a charge off, and that is inaccurate information. I did not get sued and I do not have a judgment on this debt. Californias statute of limitations on debt is 4 years, per the states Code of Civil Procedure 337. I want this account to be removed from all 3 credit bureaus.
Consumer complaint received 2023-09-29
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)

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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX 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 2018-01-31
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: AMERICAN EXPRESS COMPANY (HI)

Prior to XX/XX/XXXX, my husband and I had credit cards ( gold ) from American Express, but administratively, the card is in my husband 's name with myself named as a second card holder. In XX/XX/XXXX we inquired about getting our cards upgraded to platinum. We were told that the primary card holder would get a platinum card for an increased annual fee of {$550.00} but my card would need to remain a gold card unless we wanted to pay an additional fee of {$170.00}. The only way that I could be the platinum card holder ( instead of my husband 's ) was if we closed my husband 's account and opened a new account under my name. We were told if we opened the one platinum card under my husband 's name that we would get reimbursed the {$150.00} we paid to access the XXXX XXXX on XX/XX/XXXX as well as have immediate access to their XXXX  credit deal ( up to a {$15.00} credit for using XXXX ). Neither the {$150.00} reversal or the {$15.00} credit was provided. I called XXXX  back in XX/XX/XXXX and stated that per my previous discussion with their customer service line I would like to close my husband 's account and open a new platinum account credit card in my own name with my husband as the secondary holder. At that time I was told that we were misinformed and that the secondary card would be free. Based on this information I agreed to sign up for a second platinum card - and stated multiple times throughout the call that I was only doing so because it would be free ( or at least just cost {$550.00} per annum in total ). While I have seen the marketing / customer information regarding a second card costing {$170.00} - I was specifically told that I was going to be free because I would not be getting ALL of the benefits of a platinum card holder, but I would get access to the airport lounges and would have a new card issued to me. Upon seeing a charge of {$170.00} for the second platinum card in XX/XX/XXXX I realized I had been charged, both in XX/XX/XXXX ( for a prorated amount of {$100.00} ) and XX/XX/XXXX, after being told that I was being signed up for the card for free. I called American Express to complain. They wouldn't do anything about the charge in XX/XX/XXXX but stated that they would remove the charge of {$170.00} that was incurred in XX/XX/XXXX. I asked that they review the taped recording of the original discussion to prove that I was lied to in the initial call and they agreed. They have not followed up on this request to prove that the XX/XX/XXXX expense was incurred in error. I have yet to have either the XX/XX/XXXX or the XX/XX/XXXX expense reversed on my credit card bill.
Consumer complaint received 2018-01-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

As I write this, today is XX/XX/XXXXThis has happend one 3 different occasions. 
On XX/XX/XXXX I place a sell for XXXX, that coinbase shows as completed on XX/XX/XXXX On XX/XX/XXXX a sell for XXXX shows completed on XX/XX/XXXX On XX/XX/XXXX a sell for XXXX show completed on XX/XX/XXXX None of these have been paid out, Ive attempted to reach coinbase via email and call support and they do not respond to my attempts to reach out.
Consumer complaint received 2018-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these 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  Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX  and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these