davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I am writing to file a complaint regarding Wells Fargos inadequate response to my concerns about a missing deposit and an unauthorized withdrawal from my account, which involve significant sums of money and span multiple claims and case numbers. Additionally, the withdrawal slip doesnt have my name written out completely ; it only has the initials of my first name and my last name fully written out. 

Summary of Issues 1. Missing Deposit and Unauthorized Withdrawal : - Deposit Amount : {$17000.00} - Unauthorized Withdrawal : {$15000.00} Despite providing substantial evidence, including video footage of the deposit, Wells Fargo has repeatedly failed to address my concerns adequately. My claims have been dismissed without satisfactory resolution. 

Specifics of My Claims 1. Claim Number XXXX XXXX XXXX Claim Reference Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- Despite numerous follow-ups, Wells Fargo has not resolved the issue.

2. Misreported Transactions : - I reported the missing {$17000.00} deposit and unauthorized {$15000.00} withdrawal immediately.

- Wells Fargos response claims these issues were appropriately addressed on multiple occasions ( 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, without a satisfactory explanation or resolution. 

Case Numbers Involved - **Wells Fargo Case Numbers : XXXX, XXXX - CFPB Case Numbers : XXXX XXXXXXXX Additional Claims - Case Numbers : XXXX, XXXX, XXXX - Connections to CFPB : XXXX, XXXX Despite Wells Fargos repeated assertions that my concerns have been appropriately addressed, the core issues remain unresolved. My financial losses, trust breach, and continued distress highlight ongoing failures in Wells Fargo 's investigation and response process.

Requested Action 1. An immediate, thorough reinvestigation of my claims, with proper attention to provided evidence.

2. Adequate restitution for the missing deposit and unauthorized withdrawal.

3. Assurance that Wells Fargo will review and address any lapses in their claims handling processes to prevent future occurrences. 

Thank you for your assistance in this matter. I am committed to resolving these issues and ensuring Wells Fargo is held accountable for their actions.
Consumer complaint received 2024-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

I made a payment of {$300.00} on XX/XX/year>. {$280.00} to loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to XXXX XXXX the payment came out of my account on XX/XX/year>. EdFinacial did not update my account until after XXXX EST. The parlance only showed a small amount removed from loan XXXX XXXX. The balance did not change on loan XXXX XXXX. If I continue with paying {$280.00}, I would have loan XXXX XXXX paid off in XXXX weeks from this last payment but due to the payment not being updated, it remains at XXXX or until they decide to make the correction. Attached is screenshots of my account balances before and after payment, receipt confirmation email that payment was made, the receipt of the money coming out of my bank account in the amount of {$300.00}, and a screenshot of my account balance where no changes were made to loan XXXX XXXX.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, activated 19 % cashback rewards for XXXX through Capital One Shopping app and purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

There has been no acknowledgement of the cash back being accounted for this order. Emailed support at XXXX and was provided with a vague copy paste of general availability of cash back rewards for eligible orders with no specific information related to my order.
Consumer complaint received 2024-09-03
Product: Credit card — Store credit 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: CITIBANK, N.A. (WA)

Can not get XXXX Citibank to deny false credit application. Can not get them to remove inquiry on XXXX. Can not get them to confirm with a letter. It almost appears that they benefit from identity theft. 


Thank You XXXX
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

i was XXXX XXXX in XXXX so i couldnt pay my payment and i send the company a letter from the XXXX approve i was there for the time they did mark me late payment and they didnt delet late payment after i went out and pay my balance need help and fix my report
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (FL)

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XX/XX/XXXX AUXXXX XXXX XXXX XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Consumer complaint received 2024-08-01
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (KS)

On XX/XX/XXXX I requested to close my account with XXXX ( which had just been bought by XXXX ). They agreed to close the account and in XXXX the following month I paid our last bill. I had heard nothing more regarding this until yesterday I was notified of a collection account added to my credit reports which negatively impacted my credit in a large way. 

Today XX/XX/XXXX I reached out to XXXX through the customer service line and talked to a rep and a manager for 2hrs. Claiming that they reported over {$700.00} to the credit bureaus for non payment. Stating that they had not a single transaction in their system of any payments made on my account for the entirety of my service with them ( almost two years ). 

I then began to dig into my bank history and retrieved each payment transactions to XXXX ( now XXXX ) up to the final bill after I cancelled service. They refused to acknowledge those transactions stating that they needed the confirmation numbers provided by them for the payments in order to retrieve any lost payment history that " was no longer in their system ''. The call ended in the manager telling me without those confirmation numbers she can do nothing for me. 

I then took to XXXX to try and find any source to reach out to at XXXX. I found the media teams phone number at headquarters and called. A woman by the name of XXXX answered and said she could take a message of my concern and pass it along to the team but wasn't sure if they'd even get back to me. She also said " otherwise I'll just transfer you back over to customer service line ''. 

I do not owe this debt, and I switched companies for Internet for countless issues with service and being wrongfully overcharged. But when I closed my account I didn't owe anything. It is wrong for this company to do this, and it's worse that the customer service members are not only in another country and give no care to help you, but that there are no other avenues to assist you.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VYSTAR CREDIT UNION (FL)

Around XXXX XXXX XXXX requsted assistance from vystar representatives for consolidation loan. Im a XXXX and the way they are trained seems inept and communication is confusing to me, if not bordering exploitative, see fs and today XXXX XXXX XXXX i find another transaction notice after i was there on XXXX and the third time they claimed resolved. 

They offered to combine loans and close credit card. Then i find monthly they are still withdrawing from my checking to fund credot card- that they told me they closed. I return twice and spoke to two of their people, each time waiting a long time and was told issue resolved. But it continued, including in XX/XX/XXXX, 5 months later. One blamed me and told me I had to cancel auto withdrawal and i had to return to sign paperwork, wasting my time. They told me it takes x many days for them to process. However, Today i paid off a loan from XXXX XXXX, within hours, from a phone contact. they sent notice they had canceled my easy pay but the inefficient vystar claimed it could take months and I'm was required to travel and sign documents, in person 3 times. And for the most part they seemed jovial and not apologetic. Adding a felt degree of insult to injury. 

Today XXXX XXXX XXXX, entered vystar on isb in XXXX to pay off a loan and this time attended to by manager. i asked again if and then why they keep unauthorized withdrawals from my account to fund a card that they allegedly closed. Again, I'm waiting an extended tine as they fumble to another and i have to sign 3rd set of papers to cancel payments that they should have processed 5 months ago. 

So i feel they owe me for my time and travel, any Interest lost, aggravation, / mental frustration, Any fees charged, any libelous duragatory or inaccurate information that may have affected my credit and credit rates on new loans or credit checks by other institutions for the 6 months including that acquired from competitive institutions, info inaccuracies sent to credit bureaus or that they stated without my permission. Also, a forensic audit by auditor to be disclosed later as i have no confidence in their abilities in loans or any type of transactions, considering they have essentially lied to me about fixing the problems they created and seem very confused, asking me questions about what they have done, asif i can explain their process of ineptitude.or results.
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This complaint is regarding Portfolio Recovery Associates, LLC ( here after referred to as PRA ). PRA is attempting to collect on debt ( s ) in which they say I owe them totaling up to {$10000.00} for 12 accounts. Ive made numerous attempts by sending certified letters via mail on XX/XX/2020 and XX/XX/2020 to PRA requesting them to provide me with certified copies of these accounts and any viable evidence showing VALIDATION ; that is competent evidence bearing my wet signature, showing that I have or ever had some contractual agreement with PORTFOLIO RECOVERY ASSOCIATES, LLC. PRA are reporting fraudulent tradeline accounts to my credit reports that has and continues to impact me severely. 

Moreover, PRA has not provided me with sufficient documents in regard to a contractual agreement between myself and PRA stating that I owe the above-mentioned amount of debt. This is not sufficient and compliant of federal laws under the Fair Debt Collection practices, the Fair Credit Reporting Act, and the corresponding local state laws.
Consumer complaint received 2024-09-28
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. (CA)

I'm in disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account name : XXXX XXXXXXXX Account number : XXXX In accordance with The Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611, Subsection D, please provide the names and business addresses of each individual with whom you verified the account above with, so that I may follow up with them. Please send an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (FL)

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CO)

I have had major problems with Laurel Road online banking. 
As I am new to credit and building it I must have my bills paid on time, currently I lost my apartment due to a split up, and had to change phones and numbers. I tried to update it on the app and from there all normalcy disappeared. I found out my card was froze for me trying to use it several times. Me not being able to update via thier app, made it so I wasn't aware they were trying to reach me and XXXX that they didn't know I hadn't received thier message. So I called and told them u never received anything from them no call no email which is true. I had a friend loan me his phone to update my info and was told that I had to prove his phone was mine or they wouldn't unfreeze my card. Now I stress to them I'm XXXX  and I have three dogs, we need this money to eat and survive on as I am on the XXXX .and for hours I'm transfered back and forth to many agents all not helping or understanding the urgency of this. Then I finally find a old email from them and fix the card and get it unfroze. The very next day the entire account is place on a hold and now I can't even see what THIER doing as I can't even get on the app now ... my storage is not being paid which adds late fees everyday until it's paid. My shipping container with the bulk of my apartment in it is also unpaid that's XXXX XXXXXXXX XXXX  alone, plus now late fees. I can't pay for my written test or my car insurance, nor a hotel room to get us out of the truck for a bit. I can't eat, or XXXX XXXX  and the worst part is all this is doing to my newly established credit.. which I've worked really hard on ... everything is falling apart I want them to pay all my late fees and bills that they caused to go into default their fault. This is no joke this is the second worse bank ever don't open an account you will regret it.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I write today as a highly distressed, XXXX XXXX XXXX, after recently reviewing my credit report and noting an egregious amount of misinformation on my credit report most of which are now in dispute per tradeline. You will note my distress, when upon pulling my credit on or about XX/XX/XXXX, I noted several unauthorized accounts reflecting on my credit report, as well as several accounts at or near the legally required Age-off ( 5-7 years ), which are still reflecting on my Credit File. My emails and requests for urgent assistance continue to go ignored, meriting immediate and direct contact at this stage! 

To date, please be advised that I have requested the removal of several ( 10-20 ) either unauthorized or inaccurate items reflecting on my Credit Report including but not limited to : I. Multiple erroneous collection accounts ( XXXX XXXX XXXX, XXXX XXXX, etc ) II. Multiple accounts which are past due or nearing the legal requirement for aging off of my report ( 5-7 years ) : XXXX Accounts, XXXX, and several collection accounts per original creditors Date of First Delinquency ( XXXX ). 
III. Multiple unauthorized inquiries related to auto loans, between XXXX - XXXX, XXXX. 

Please contact me urgently and immediately to aid in the immediate removal of the aforementioned items in question, prior to commencing a Grievance with the following agencies : I. Attorney General Public Inquiry Unit II. Federal Trade Commission ( FTC ) III. Consumer Financial Protection Bureau Enforcement Investigators IV. Local media XXXX XXXX XXXX & Reporters to aid in urgent resolution Please be advised that it is grossly unacceptable that the reporting agency continues to arbitrarily deny my disputes and request for removal of these items, pursuant to FCRA & FDCPA. This matter is extremely time urgent, and merits urgent remediation at this level prior to any and all aforementioned Civil and Consumer actions. I have resisted several times to have an Executive level case manager contact me to resolve this urgent matter, and continue to be ignored outright. This matter is now extremely time urgent. 

Thank you for your immediate response & commitment to resolution at this level.