davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

I am XXXX! 

The gross misconduct of Wells Fargo Bank reminds me of the appallingly atrocious XXXX  treatment of my relatives In XXXX and in XXXX during XXXX XXXX where they were treated as XXXX, as XXXX, as RATS! 

Wells Fargo Bank is treated both my beloved and loving wife, best friend, and soulmate XXXX XXXX XXXX and me as XXXX what with its contempt for us, its abject and appalling and obnoxious failure to resolve the grossly unfair and illegal problem of charging my banking account with a huge number of snow balling effect overdrafts at {$35.00} a piece! 

Despite our repeated requests and demand, all with due respect, of course, nothing has been done! 

To repeat for great emphasis, I told several of its " representatives from the Executive Office '' that WE NEED THE SOCIAL SECURITY MONEYS THAT Wells Fargo Bank has in effect STOLEN away for us and we share and share like! 

XXXX from that said office called a half our or so ago to say you was taking over the matter! Never mind that XXXX XXXX and I spent more than 30 minutes on the phone on or about XXXX this past Friday going over and over and over our continued many complaints! 

Now it's XXXX in charge! And tomorrow and the next after THAT? 

XXXX, and it is quite unbelievable, advises me that I must wait until XXXX XXXX for " resolution '', whatever that means. That there is " more research '' to be done but they've had this matter for more than 3 weeks now! 

And so, and of course, I do not at present charge XXXX, but the similarities between how my relatives in XXXX and in XXXX were treated and how Wells Fargo Bank is treating XXXX XXXX and me is indeed startling and shocking! 

Here is a bank with literally hundreds of billions if not more in assets and tens of thousands of employees and more and YET CAN NOT SOLVE THIS PROBLEM INVOLING {$240.00} ( or more? ) in these aforementioned fees! 

Is it XXXX? NO! 

But it is the grossest of gross callousness and insensitivities toward XXXX XXXX and I each with LIFE-THREATENING medical conditions and each senior citizens of VERY ADVANCED AGES! 

Talk about cruelty! LET 'S! 

Evil too! LET 'S! 

XXXX XXXX and I are devoutly religious and so find this entire matter even to be XXXX! 

WE SHALL INFORM THE WORLD AND THE NEWS MEDIA!
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

I was just about to file THIS my eighth complaint to the CFBP when XXXX form the Wells Fargo XXXX XXXX called me. She was none too pleased! " You have filed XXXX complaints with the Consumer Financial Protection Bureau! '' I told her I did because Wells Fargo Bank refuses to remove the {$240.00} in overdraft charges, refuses to recognize that I do not possess a mobil phone for on-lining bank, and has had several people from that same office call me, the last one on a phone call lasting an incredible XXXX plus minutes! That is, XXXX plus minutes! 

Now XXXX wants to do research but I told her that Wells Fargo Bank has had some XXXX or more weeks to do the research! 

I also told her that I have no idea about my checking account and thus can not draw any checks on it! 

I told her I FEAR HER BANK SHALL TAKE OUT YET MORE OF MY VITALLY NEEDED SOCIAL SECURITY MONEY WHEN NEXT, XXXX IT IS DEPOSITED! 

I added that her telephone call was causing my heart to raise and me to sweat but as to THIS total gross silence and indifference! 

She told me that a " resolution '', whatever that means, shall be made on XX/XX/2024which is more than XXXX ( XXXX ) WEEKS AGO! 

I told her that in all due respect my beloved and loving wife, best friend, and soulmate XXXX, also a Wells Fargo Bank customer, vitally need this money, we share and share alike, to pay some of our medicine and other bills! But it would appear XXXX as with her bank Wells Fargo Bank are UNMOVABLE! 

I specifically told her and I have told the others who have called that I have LIFE-SAVING MEDICAL CONDITIONS and can not just run over to the branch in XXXX anytime I want!
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/24, a hard inquiry notice came to my personal email. I read this notice and there was a hard inquiry done from capital one to open a venture x credit card. This credit card used my personal information to be opened which I never applied for this or had any knowledge about. I called capital one as soon as I received this email and was on the phone with them. Capital one then let me know they would start an investigation to figure out this fraud. After that, they told me some resources I could use in the meantime I wait for the decision of the investigation.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

The facts of the case ( Citi closed my bank account and credit card accounts, and my son 's accounts due to guilt by association for depositing numerous virtually identical money orders into my Citi Bank account, even tho numerous Citi bankers advised me that my account would not be shut down for doing that ) have been correctly summarized in a complaint filed by my son, XXXX XXXX, so I will not repeat them here. 
Case # XXXX. 
Citi asserted that their training employees to give out false information and then closing the account when i followed the incorrect advise was OK because their agreement with me gave them the absolute right to shut down accounts for any reason. 
I agree that they have an absolute right to shut down accounts for any reason but that is very different question from whether they can proactively lie to customers and then punish their customers for relying on the false information. ( Lied to me by saying that multiple very similar money order deposits were OK, then closing my accounts when I followed their advice. ) The CFPB closed my son 's complaint, sending the message to Citi ( and to whatever other credit card companies fiund out about this outrageous decision ) that they are free to lie to their customers in any way they want to, or to proactively take other actions which harm their customers and hide behind the " we can close account for any reason '' language to justiy their actions. 
This is a huge and dangerous precedent to set, going way beyond the specific fact pattern of my case. 
Close an account because a banker was XXXX of that a customer complained about improper XXXX advances? No problem, Citi has a right to close any account. 
Close an account because the banker did not like the race, or XXXX orientation of a customer? No problem, the CFPB has Citi 's back. 
If you feel it is appropriate to let companies do this, at a bare minimum it should be disclosed that Citi 's right to close extends not only to problematic actions of the customer, but problematic actions which only occur becaus ethe customer is following incorrect Citi advice. 
Something along the lines of " Citi 's right to close your account includes not only situations where the customer does things on his/her own which Citi does not feel are acceptable, but also situations where the customer does unacceptable things after being specifically advised by Citi that those things are acceptable. '' If you decide to close this matter without further action, please feel free to include a statement of your reasoning, which I will include in any media or Congressional oversight complaints that I file. ( This offer is extended to Citi as well. ) There was no such explanation when you closed my son 's complaint.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe (WI)

To Whom It May Concern, I am writing to dispute the validity of the student loan debt referenced above, which you claim I owe. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692 ( g ) and 15 U.S.C. 1692 ( c ).

1. Validation of Debt under 15 U.S.C. 1692 ( g ) : In accordance with 15 U.S.C. 1692 ( g ), I am formally requesting that you provide validation of this debt. Please provide the following : The amount of the debt ; The name of the original creditor ; A copy of any documents that prove I am responsible for the debt, including any agreements or contracts I signed with the original creditor ; An itemized breakdown of how the amount claimed was calculated. 
Until such time as this information is provided, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies. 

2. Cease and Desist of Communication under 15 U.S.C. 1692 ( c ) : Additionally, pursuant to 15 U.S.C. 1692 ( c ), I hereby request that you cease all communication with me regarding this debt, except as required to provide the requested validation or to inform me of any changes in the status of this debt ( such as the decision to cease collection efforts ).

Please note that failure to provide the requested information, or any further communication in violation of this notice, may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory authorities, and I reserve the right to pursue legal action under federal law. 

I expect a prompt response to this matter within the legally mandated time frame of 30 days.
Consumer complaint received 2024-09-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CO)

There was high interest and fees on the loan, and no gap insurance refund after the loan was paid off early. This was from a Wells Fargo auto loan. The car was purchased in XX/XX/scrub>XXXX XXXX
Consumer complaint received 2024-09-10
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: CLGF Holdco 1, LLC (PA)

Hello, I would like to report a fraudluent hard credit inquiry on my Credit Report that I did not apply for on XX/XX/2024. My credit report currently should be frozen along with a fraud alert from the past when i had other Companies that tried running applications for cards and bank accounts in my name. 

After XXXX  the company, a lot of the posting stated that this company has falsely reported credit applications and is a nightmare trying to get ahold of the company. 

Thanks, XXXX XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (GA)

On XXXX XXXX a collection agency put a ding on my credit report stating that I owed {$250.00} to XXXX XXXX for service at XXXX XXXX XXXX, XXXX, CA XXXX with an account number of XXXX. When I call the automated line for XXXX they do not recognize this accunt number. 

I have never lived in XXXX California and am in no way affiliated with this debt. Someone stole my social security number years ago and I have had repeated instances with stolen identity to the point that I file taxes with a unique pin code yearly Interestingly, when I called the collection agency, they stated my name was not on the bill, however my social security number was and that my current name and address were verified by them and was not the name of the original bill.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, 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)

In accordance with the fair credit reporting act the list of accounts below has violater my federally protected consumer rights ro privacy and confidentiality under 15 u.s.c.1681 XXXX XXXX 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 with out my written instructions 15 u.s.c 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse items of information other then records of convicted of crimes which antedates the report by more than seven years 15. u.s.c XXXX 1681 s-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 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (WY)

on XX/XX/year> I received a call from Credit Control which I returned, see previous complaint and I requested that they verify the debt. The operator was rude and said he would send it and hung up. Instead, I received a bill with payment options from Credit Control LLC on behalf of XXXX XXXX XXXX neither of which I agreed to do business with. Credit Control LLC and XXXX are in violation of the Fair Debt Act by not providing the requested information and only sending a bill. I DO NOT OWE THIS DEBT AND HAVE NO IDEA WHO THESE TWO BUSINESSES ARE.
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Sigue Corp. (VA)

WE WERE AGENT FOR SIGUE CORPORATIONS AND HAD DEPOSITED TO SIGUE AN AMOUNT OF XXXX ON CHECKS AND THEY STOPPED DOING SERVICES .THEY OWES US THAT MONEY. WE CALLED MANY TIMES, BUT THEY NEVER RETURNED THE CALLS.
Consumer complaint received 2024-09-10
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: 1st Franklin Financial Corporation (GA)

1st Franklin Finance did a hard inquiry on XXXX without my knowledge and on XXXX. XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (CA)

I turned in the cable box cords, the Wi-Fi box, and all the cords to XXXX. I have the receipts. I turned it in to the XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX helped me. The store manager is XXXX XXXX XXXX he was there when I turned in the boxes. I got a letter from Sunrise Credit for {$59.00}. They can not tell me what equipment charge I owe, just that I need to pay. The lady who assisted me was XXXX. They are demanding money for something that I do not owe.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION (IN)

My debit card began getting declined on XX/XX/year>. I thought there was a system error so I waited until the next day to try again. Again on XX/XX/year> my card was being declined. I logged into my account online and noticed my available balance was at {$0.00} when in reality I have over {$1000.00}. I called my bank to find out what was going on and advised that there are restrictions in place and that my account is under review. I was instructed to call back on XXXX  because they run a skeleton crew on the weekends and the rep could no tell me more about the issue. I called on XX/XX/year> to see if I could find out what was really going on and I was advised the same as before. They will not tell me why my account is frozen, only that it is under review for the next XXXX days. I advised the rep that I have absolutely no access to my funds and that I have bills due. All she told me was that I have to wait it out.
Consumer complaint received 2024-09-10
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (FL)

XXXX XXXX XXXX put a collection on my credit report the collection is reporting on XXXX, XXXX, XXXX this perticular collection from XXXX has been removed off my credit once or twice and here we are again it came back on my credit the collection appeared back on my credit XX/XX/year> for a balance of XXXX dollars. So i called source recievables mng to dispute this collection they was very rude telling me wut i did and didnt do they also stated that i couldnt dispute this collection and they also stated that they didnt know wut dispute means so when i got off the phone with source recievables mng i called XXXX XXXXXXXX XXXXXXXX to dispute the collection.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

To whom it may concern, I am submitting a complaint against XXXX under 15 U.S.C. 1681i for failing to conduct a reasonable investigation of my dispute regarding inaccurate information on my credit report. Despite my efforts to provide documentation supporting my claim, XXXX has not corrected the erroneous information, which has adversely affected my credit score and ability to secure credit. I request the CFPB 's assistance in resolving this matter and ensuring that my consumer rights are upheld. I contacted the company at the end of XXXX to notify them of a layoff that occurred at my employer ; therefore, I was laid off and called to exercise my credit protection plan that I paid into monthly. Today ( XX/XX/XXXX ) I called to ask why I am showing as delinquent and I was told that my account was closed in XXXX ; however, this information was never disclosed to me and my credit report is not showing closed, it is showing open/delinquent. I asked the account manager, XXXX to please reverse this delinquent as this should not be reflected and is an inaccuracy on my credit. He advised me that despite exercising my credit protection plan, he did not see any payment from the XXXX party vendor and they sent my account to collections. I advised that I had not received any notification of a collection and I want it pulled back or removed from the credit agency as no written notice has been received and they are passed the timeframe to notify me of an intent to collect. I am extremely dissatisfied with how my account was mismanaged, I paid for a service and did not receive it. I plan to seek litigation against all parties unless this item is completely deleted from my credit. I want a letter emailed to me within XXXX business days : ( XXXX ) on company letterhead stating that this account is no longer in delinquency and the matter has been resolved. Thank you for your attention to this issue.