davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/year>2024 I went into Well Fargo on XXXX XXXX XXXX to open a business account for my trucking company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I notice that my transaction was being deducted from my new account. On XX/XX/XXXX, I went to the branch on XXXX XXXX XXXX in XXXX, Ga to see what was going on with my account. I spoke with a loan XXXX that notice that my new account had been linked to another business account that I was authority to use for sole purpose of managing property that didn't belong to me. On XX/XX/XXXX, I spoke with XXXX at the XXXX XXXX XXXX location and explained to him what had happened and he said that shouldn't had happen and I should open up an inquiry so the bank can correct the error that was made when the account was open on XX/XX/XXXX. I was using my business debit card and the money was being debited from the other account and I was not aware that it was happening. I received notice from Well Fargo that it was not fraud since I was an authorized user on both accounts. Although it was a bank error for debit card linkage of accounts, I was responsible for the transactions. The owner of the other account is highly upset and feels that it's not I am not responsible to for the transaction because the bank linked the two business accounts together without both parties knowledge and therefore should repay {$1300.00} in transactions. WellsFargo never did response to me any of the inquires that I put in, but instead sent them to the other account holder address with my name on it. XXXX did call me one time and said that she would back with me and I am still waiting today to hear from her. So, I put in another inquiry and once Wells Fargo did not answer me. I was told that I could have conference call still waiting.
Consumer complaint received 2024-09-04
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

OK THERE WERE TWO ACCOUNTS WITH XXXX, ACCOUNT # XXXX & XXXX THAT WERE. FRAUD AND I DID NOT APPLY FOR THESE ACCOUNT. THERE IS ALSO A CAPITAL ONE CREDIT CARD FOR THE AMOUNT OF {$1400.00} THAT WAS FRAUD TOO I NEED THESE ACCOUNT REMOVED AND DELETED FROM MY CREDIT FILE AS THEY ARE FRAUD NOW THERE IS AN INQUIRY ON MY REPORT AS OF XX/XX/year> WITH XXXX XXXX DID NOT APPLY FOR THIS EITHER I HAVE PUT A SECURITY FREEZE ON MY ACCOUNT
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AZ)

I had an account with chime opened it back in XXXX then in XXXX I had money deposited into my account then a few days later they closed my account and made it where I had no access to it. They still never sent me my closure check, here we are 4 years later of me still.trying to get my closure check and they keep lying to me about it I've gotten 5 different lies already from them 1 saying the check was mailed but they can't see it, another being the check was mailed to my state, another lie was it was mailed to my new address, they also lied saying it was gon na be coming this week, then they said they were gon na have someone email me it's been 3 weeks no email, then they said they could just void the check and put it back into my account which they haven't done, they hung up on me they have been no help at all and I have lots of proof of them lying to me all I've wanted these past 4 years is my money back
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CT)

I Called to WELLS FARGO to bring to there attention a fraudulent account that has been opened in my name, I expsanded that I recently discovered that a credit card account has been created using my personal information without my consent or knowledge. 

The account in Question does not belong to me, as it is associated with an incorrect name and address. I requested that immediate action be taken to close the fraudulent account and ensure that it does not affect my credit report. 

To assist in this investigation, I am providing the following documents ; ( 1 ) Copy letter from WELLS FARGO, with wrong name and address of card holder ( 2 ) Copy of Valid CT Drivers license, ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX )
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I obtained auto finance through Toyota XXXX XXXX. My payment due date was originally on the XXXX of every month for {$380.00}. 

On or about end of XXXXXXXX XXXX  due to anticipated changes to my finance, I called and requested for a change of date to the XXXX of every month. 

On XXXX XXXX XXXX the request was approved and a new date was set as shown on the letter attached hereto. 

Toyota XXXX XXXX has deliberately refused honoring the new date and been bombasting with calls that my account is late and delinquent. I spoke with 2 clerical staff for correction of the error, which ahs not been corrected. 

In the meantime, the lates have been reported to all credit bureaus, which has impacted me negatively.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (IL)

My PayPal credit card ending in XXXX has 2 authorized users and both are not being reported to the credit bureaus. The account is missing entirely. The account is being reported on my credit report. I need this clarified as to why both users are not being reported despite being added in XXXX XXXX XXXX 

Separately, I spoke with one of the rudest managers today ( XX/XX/XXXX ) who provided misinformation and did not help to file a concern until we got into an argument. The concern will take 30 days by physical mail, and I do not feel comfortable with her escalation being correct. Her name is XXXX, she said she could not give an employee ID number. She started by saying her reps gave correct information ( when they did not ) and went into a whole conversation that was unrelated to my issue ( stating that this was an issue for the credit bureaus, not PayPal, that the authorized users were on my account ( which has nothing to do with my issue ), and stating that PayPal does not report dormant accounts ( which, again, has nothing to do with my issue as the last report went out in XX/XX/XXXX ) ). She was very rude, speaking over me, did not admit to her mistakes, was extremely defensive, and said that she does not handle credit bureau reporting ( as if that helps me at all, trying to divert blame as it's not her department and it's clearly not mine ). Please provide the complaint number for her.
Consumer complaint received 2024-09-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: PNC Bank N.A. (OH)

PNC 's Client Relations sent a notice to the wrong address ( Luckily XXXX sent me a copy through email ). My contact has been with XXXX XXXX listed as XXXX Client Relations. I was given a form by XXXX to send Notice of XXXX XXXX under the XXXX XXXX it is called out what purpose the document is for. I notified XXXX XXXX of the mechanisms for the XXXX XXXX over the phone. The Notice I have received in response to my complaint and form is noncompliant with the XXXX XXXX Notice XXXX. From the XXXX XXXX " You requested that XXXX discharge your private student loan due to misconduct on the part of your school. Your request was forwarded by XXXX to PNC for response. PNC does not have a loan discharge program based on a schools misconduct. As a result, your request for forgiveness of the Loan must be declined. ". Whether PNC offers a loan discharge program or not doesn't effect the mechanisms of the XXXX XXXX Notice nor does it remove the contractual obligations of PNC to adhere to the mechanisms of that Notice. " PNC regrets that you have fallen victim to a scam and understands this can leave you seeking additional information on how to report such activities. You may wish to file a complaint at XXXX and with your local authorities. '' I am not sure how reporting to the authorities something that informed the public on is going to do for my situation with their loan agreement policies. Also PNC points out that it was a scam so they are still requesting I make payments on this loan knowing it is in connection with fraudalent and undelivered services " Thank you for allowing us to clarify PNCs position in this matter. '' That isn't really a clarification it is just a " We don't do that here '' response. 

Also I had reported the interactions with this employee to @ PNCBank_Help on XXXX / XXXX and was supposed to get contacted about it but that contact never happened.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a victim of identity theft. My wallet was stolen and inside my wallet was some cash, various credit and debit cards, my driver 's license and social security card. Soon after the theft I noticed that some accounts had been opened in my name without my knowledge or approval and some of my existing accounts had been accessed by this third party. I filed a police report with the XXXXXXXX XXXX, that report number is XXXX. Two accounts at Capital One were opened as a result of this theft. XXXX account ending in XXXX and the other ending in XXXX. I've attached a copy of the police report and FTC report to this complaint.
Consumer complaint received 2024-08-20
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. (NY)

I'm writing this letter to inform you I have found inaccurate information on my credit report. This information is fraudulent and I have no relationship to them. Please remove these information from my credit report immediately Inaccurate Addresses : 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 XXXXXXXX
Consumer complaint received 2024-08-23
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. (MS)

Ive contacted Experian to dispute a collection on my credit report. Theyve responded that the debt is mine and will remain on my credit report. Theyve also stated that I can file a complaint with CFPB or FTC to have the fraudulent collection removed. This is not my debt. I do not owe XXXX XXXX XXXX any money. This XXXX party vendor, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX - information on my credit report ( XXXX ) XXXX ) is attempting to collect this fraudulent debt. This debt does not belong to me. This company is also not located in the state that I live in. Theyve purchased a debt from somewhere and are attempting to pass it off on me.
Consumer complaint received 2024-09-01
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (TX)

On or about XX/XX/XXXX I bought {$16000.00} worth of money orders and mailed them to my divorce for her legal services. I bought the money orders from Western Union from the local grocery store. 
On XX/XX/, I mailed the money orders ( via XXXX ) to my attorney ( for legal services ) who lived in Illinois and I lived in Georgia. The package never arrived. I inquired XXXX about stolen/lost money orders. 
XXXX store information is as follows : The XXXX Store # XXXX XXXX, GA XXXXXXXX XXXX approved my claim for lost/stolen money orders then stopped talking to me and would not respond to my repeated phone calls. 

I then went to Western Union and requested copies of all money orders I had purchased from them. I paid Western Union for the " Research Request '' but soon thereafter Western Union responded that I had not followed their instructions on how to request a money order research request and soon stopped corresponding with me as well! Please help me get my money back! thank you XXXX XXXX
Consumer complaint received 2024-09-09
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: FIRST PORTFOLIO SERVICING INC (TX)

am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/year>. I have attached a copy of the identity theft police report to this complaint.
Consumer complaint received 2024-09-09
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: ALLY FINANCIAL INC. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear ALLY FINCL, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes.

It has unequivocally come to my attention that ALLY FINCL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for ALLY FINCL to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that ALLY FINCL immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ALLY FINCL will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Total Card, Inc. (FL)

On XX/XX/scrub>XXXX XXXX XXXX Eastern time. I called Total about my account. I just made an additional {$100.00} payment when they said there was a XXXX XXXX of available credit. The payment showed with a {$190.00} balance & a {$300.00} credit limit. My adult daughter called the automated phone service earlier that day because I had issued a card in her name. She said that automated phone Service said there was XXXX credit available. My app for the card said {$100.00} credit available. After being on hold for over a half hour, someone finally answered, but their voice kept cutting in and out. I asked them if they could adjust something so I could hear them. I did hear them and then they hung up on me. Callback request, even though they said there was XXXX time on the automatic recording when you were on hold. ( Of course for the entire whole process, I went through one or 210 minutes of wait time and five or six XXXX minutes wait time. ) So I figured the callback option was best 90 minutes after waiting I fell asleep. My phone never received any call to this day. They still have not called back. I tried Contacting the issuing bank, the XXXX XXXX XXXX  on their webpage they had a contact form and they listed total. The card issue were on that contact page. Try to explain the situation to them. They didnt reply so I tried again. They did reply a day or so later basically saying not our problem deal with the credit card company. The issue Im having is theyre not responding and I cant be on hold my entire life last I checked they now said I had a XXXX  dollars and change even though there have been no purchases since the last payment. My daughter thinks these are charge hold on order. She was going to make through maybe XXXX or something like that, but arent they supposed to go away after a few days? Ive been in good standing with this company never missing a payment since the account was open. I believe it was years ago. ( They actually deactivated the card for lack of usage and then when I requested it be reactivated thats when I decided to let my daughter use it to help her out. ) It just doesnt make sense if I have a balance of XXXX with a {$300.00} limit and I paid them {$100.00} which they have collected and taken from my bank account why theyre collecting my money and not letting the card be used. Not returning my calls! ( Since you have to verify who you are with your account details on the automated phones system before you speak to someone on the phone in person, they should have your information so if the call is disconnected, they could call you back if they want it you ask them to call you back, which they basically dont feel like it seems.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (TX)

I filed several six unauthorized disputes on XX/XX/XXXX. They were all denied just two days later, when I can confirm that I myself did not make these transactions. I have asked an agent to appeal my case again for the amounts {$110.00}, {$31.00}, {$100.00}, {$190.00}, {$110.00}, and finally {$110.00}. An agent told me an account specialist will review my account, but I will be submitting a POLICE report AND asking for legal advice regarding my lost funds. This has been a very frustrating and inconvenient experience.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi, I am writing this complaint because I recently looked at my credit report and seen accounts that I have no recollection of. I tried contacting the credit reporting agencies about these errors but nothing is being done and no proof is being shown about the validity of these accounts. I know there are credit reporting act procedures that should be taken when identifying inaccurate accounts of someone's credit report, specifically Section 611 in the FCRA where I have the right to request the method of verification. Also Section 607 in the FCRA that states all accounts should report as accurate as possible. The date last active and the date of last payment do not match. Please investigate and delete the accounts I have listed that do not represent verifiable accuracy. Thank You.
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (WI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} U S DEPT OF ED/XXXX XXXX Balance : {$3800.00} U S DEPT OF EDXXXX XXXX Balance : {$3700.00} U S DEPT OF EDXXXX XXXX Balance : {$2200.00} U S DEPT OF EDXXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX  XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.