davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here are the lists of inquiries that are still reporting on my Credit Reports : XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I HAVE CONTACTED XXXX XXXX LOAN SERVICES ABOUT REPORTING INACCURATE INFORMATION ON MY ACCOUNT SINCE XXXX WHEN I WAS FIRST APPROVED FOR MY ACCOUNT WITH THEM THEY HAVE BEEN REPORTING INACCURATE DATES ON MY CREDIT REPORT STATING THAT I HAD LATE PAYMENTS IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. I HAVE SENT OFF SEVERAL LETTERS IN XXXX, XXXX, XXXX AND XXXX AND XX/XX/XXXX ASKING THEM THEM TO REMOVE THESE INACCURATE REPORTINGS OFF MY CREDIT REPORT I HAVE NO HEARD ANYTHING BACK FROM THEM, I TOOK IT TO THE NEXT STEP IN XX/XX/XXXX ASKING EXPRESSION, XXXX  AND XXXX TO REMOVE THIS INACCURATE INFORMATION FROM MY REPORT I HAVE SENT THEM EVIDENCE SHOWING WHEN I HAVE MADE MY PAYMENTS I STILL HAVE NOT HEARD ANYTHING BACK AND IT IS NOT XX/XX/XXXX.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

Good morning. I deposited a payroll check into my Wells Fargo using the ATM deposit service on XXXX XXXX and received a receipt stating that the funds would be available on XXXX XXXX. The check was in the amount of {$3800.00} with {$400.00} made available immediately. 

This morning ( XXXX XXXX ), I checked my account to find that Wells Fargo has now placed a 7-day hold on my payroll check. I called the customer service number and I was told that the check could not be verified and the hold would be placed until the funds could be verified. I asked multiple customer service representatives to call the XXXX number on the front of the check to perform the verification of funds and the Wells Fargo representatives stated that they could not do this. 

The verification number is provided for this exact purpose and the check was from my employer XXXX via XXXX XXXX XXXX and the check was drawn from XXXX XXXX XXXX, another large financial institution. My employer did make a {$400.00} direct deposit on XXXX XXXX to the same Wells Fargo account. I brought this to their attention in the hopes that they would make the effort to verify the check and release my funds but they refused. 

I am not unable to access any of my funds due to this hold. I am unable to pay bills, buy groceries, and provide necessary resources for my family for a week. Based on the documented information that I received on my deposit receipt, I scheduled payments with multiple creditors based on the funds availability date of XXXX XXXX. These payments will be returned as non-sufficient funds by Wells Fargo due to the hold placed on my payroll check. 

In my opinion, this is fraudulent activity and practices by Wells Fargo. Information was provided at the time of the deposit, payments were scheduled, they place a hold on the deposited check, and then I incur NSF fees which is profit for Wells Fargo. In the meantime, I am unable to use my hard earned funds. 

A representative at Wells Fargo could easily pick the phone and verify this check. It was explained to me that the check did not pass their automatic verification. I request a manual verification because of the hold and they refused without a valid explanation. 

I am requesting that someone from Wells Fargo answer for this procedure and provide a valid justification for a 7-day hold on a payroll check from XXXX that is drawn from XXXX XXXX XXXX. 

A copy of the ATM deposit receipt is attached. It shows the funds availability date and also an image of the deposited check plainly showing the check verification phone number.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was notified by form letter via USPS by XXXX XXXX County Treasurer on XX/XX/XXXX that my property tax payment had not been received for a payment due in XX/XX/XXXX. 
I had mailed the check in person from the Post Office on XX/XX/XXXX. 
The check cleared my account at Bank of America on XX/XX/XXXX. But when I requested a copy of the check and examined it, I realized the Payee 's name had been altered and the check in the amount of {$13.00}, XXXX was cashed fraudulently. I assume the check was stolen en route between the Post Office and the Treasurer 's Office. I immediately notified Bank of America and filed a police report with City of XXXX XXXX where I am a homeowner. 
According to the bank manager I spoke with at my branch, the check was cashed by the bank with no identification. My report and request to Bank of America was denied due to the fact that I reported the theft after their 60 day limit. Because the check was cashed for the amount I wrote it for and there was no other fraud and I was not notified by the County Treasurer until XXXX, due to national Covid emergency, Bank of America refused to reimburse me for any stolen monies through no fault of my own.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

Equifax has no proof meaning wet signature that Im responsible for this auto loan showing on my credit report called XXXX XXXX XXXX therefore it needs to be removed immediately according to the Fair credit reporting act ( FCRA )
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANKMOBILE TECHNOLOGIES, INC (NY)

The bank is refusing to allow me access to my own account. Customer service has essentially stolen more than {$5000.00} from me at this time. The money has been in my account for several days and I can not withdraw it from the atm machine, there was a block to my account. Then when I tried to cash a check, the check is being denied, they will not cash it. When I called the bank they argued with me about what college I attended and told me that if I didn't give them the correct information that they would not allow me access to my account. Customer service made me repeat the spelling of my name, my birthdate, and the school information more than 10 or 15 times and they left me on hold. They stole my money. The also blocked the card so I can't make a withdrawal by XXXX XXXX. I have no access to my own money from the bank which services loan disbursements. This is not the first time they have done this. They have absolutely no sense of that they might have done something wrong, there isn't a remote sense that they perhaps should allow the customer access to their own account. They have now frozen the entire account and are asking for a passcode which I do not have, I asked them to mail me another passcode, the refused to do so. They are excessively abusive and have stolen {$5000.00}
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (WI)

My name is XXXX XXXX. I have previously submitted 2 complaints against Wells Fargo Bank. Wells Fargo is STILL opening fragulant accounts in my name. Wells Fargo is still refusing to give me my money or close my accounts. Wells Fargo will not reimburse me for my money they let other people steal out of my accounts Wells Fargo is still refusing to acknowledge any wrong doing and still is telling all agencies I have contacted that I stole my own money. Wells Fargo told me they would take back their statements and report the truth they still have not.
Consumer complaint received 2021-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IN)

On XXXX Navient called 8 times using an automated system. No voicemails identifying who it was or what it was for. I never gave consent to contact my cell phone which is documented in my profile according to their website as " Cell phone consent = None ''. Repeatedly calling within a single day is clearly harassment intending to annoy or abuse. When I was able to return the call that same day the offices were closed. I have the call logs for each of these calls from two different numbers XXXX and XXXX.
Consumer complaint received 2021-02-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX contracts verse month to month service XXXX XXXX are reporting a bill ov {$3100.00} this company never sent any mail explaining my bill ov this amount now XXXX  XXXX was removed from my credit report months ago this company is currently accessing my ssn without any authorization from myself the XXXX holder this company has not write to access my score without my authriazation I have it spoke or dealt with version in the last yr or longer my Experian credit file indacaited that XXXX  XXXX has accessed my Experian report by putting the same bill ov {$3100.00} that Experian customer service apperatly remove in the past cause XXXX  XXXX couldnt validate or show any type ov valid info on myself the ssn holder that this amount is actually owed when I spoke to XXXX  XXXX executive managers department they explained the XXXX  XXXX does not collect on customers who could not afford the bill because they are a month to month pay as u go service I really believed Im being attacked because Im XXXX and has been XXXX over 20 yrs now I dont have {$3100.00} to pay thus so called amount I fill my credit and having a XXXX Im being token advaantage ov because Im XXXX XXXX in one XXXX ov my XXXX I fill this company may be using my ssn to access my credit files according to Experian credit reporting after being disputed can someone help me to get these unnessary and inaccurates bills off my credit file I fill Im being made a fool ov I only had to lines ov service so how can I billed {$3100.00} when XXXX XXXX never not once sent a bill to my home address
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

TD Visa Credit Card was MISSING -- so i did not make any of the charges currently on the card. I have already reported the card missing many months ago, and so these UNauthorized charges should NOT be on my account still! Moreover, I was told upon reporting this that " Visa 's Zero Liability Policy guarantees that customers would not be held responsible for unauthorized charges made with the account ''. So the fact that this still has not yet been fixed is a breach on policy.
Consumer complaint received 2023-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I got a new home. The loan did not start until XXXX. My loan was sold to another debt collector, so I setup autopayment in XXXX. My first payment did not go trough for XXXX. I spoke and they said no worries, just make a manual payment for XXXX. I did on XXXX and said maybe your loan autopayment won't work so you'll need to setup another payment. I went to verify the next week and my balance was at {$0.00} due. In the month of XXXX, I receive a call from their debt collector asking why I haven't paid. I explained them my story and issues. She goes and checks my account and see 's I have a {$0.00} balance and says never mind I do see that. I'm not sure why you were on my list. I checked on XXXX to confirm I wasn't late and again saw {$0.00}. Then when I went to check on XXXX, I saw I had a balance for the two months of XXXX and XXXX. I tried to make sure I was up to date and was told multiple times. Now I have a late delinquency and double the mortgage to pay based off their mistake. I was on hold for hours and was told no resolution. To just pay the full amount.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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.

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 XXXX 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 2023-10-04
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: EQUIFAX, INC. (NY)

My issue is NOT with an item listed in my credit report. My issue is with Equifax itself who is reporting that my credit history average is 1 year 7 months. It is the only negative item on their report. I am XXXX XXXX XXXX and have had credit cards and car loans for 30 years. I called Customer Service who said there was nothing they could do. I asked to speak to a supervisor and was put on hold for an hour. After finally getting someone I explained my situation, she said " Thank You '' and hung up. The credit score from this company is XXXX points lower than the other two major companies and fluctuates dramatically ( XXXX ) points from one week to the next. This could potentially affect my ability to purchase a home or get a good rate on a car loan.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 Account NumberXXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number: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 2023-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (OH)

On XX/XX/ I received an email from Wells Fargo welcoming me ( with my maiden name which hadn't been used in 7 years ) to online banking. I then received multiple emails telling me how to make payments, how to fund the account, that the account had dropped to zero. When I called customer service- one they did not believe me that I did not make an account. But then I had to fight to prove to them I never made the account. On XX/XX/ I received an email reading " URGENT : ADD MONEY TO YOUR NEW ACCOUNT '' After receiving an email about them closing the account. On XXXX I was sent an email about 'discovering the online banking world : On XXXX  I received another email about getting a one time offer, and on XXXX  I got a solicitation email. I never got a final email stating they had closed the account ( only that it was " Expected to close ''. I have since had to put a freeze on my credit because of Wells Fargo poor practices. I have a right to know if someone was in person and created the account, online, I have a right to know what " MY '' signature looked like. I have a right to understand how exactly they got MY information. Its also odd that they had MY email, a correct email, and used that to set up the account. Knowing I would get the information. I believe Wells may have bought information to make accounts to show deposit growth. 

XXXX XXXX XXXX XXXX The information they had included My CHILDHOOD HOME ADDRESS ( Hadn't lived there in over 7 years ) Maiden Name My personal email address
Consumer complaint received 2023-10-04
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: U.S. BANCORP (FL)

Im a parent utilizing step up for XXXX  for my XXXX XXXX child. They are forcing parents to use USBank cards. Its not something we were given the option to use and now their VP XXXX XXXX sits on the board of directors. There were guarantee of being able to move the funds via XXXX to our checking accounts which isnt the case at all.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

Re : Urgent Dispute with Chase Bank To Whom It May Concern, I am writing to file an urgent and strongly worded dispute with Chase Bank regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with Chase is XXXX XXXX XXXX XXXX. I have been a loyal customer of Chase Bank for 8 and, regrettably, that loyalty has been repaid with dishonesty and deception. 

In XX/XX/XXXX, I was contacted by Chase Bank regarding an outstanding debt on my account. A Chase representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from Chase Bank is nothing short of a betrayal of trust. 

I subsequently discovered that this settlement has inflicted serious harm to my credit score, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by Chase Bank, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. 

I insist that Chase Bank correct this injustice immediately. I demand that Chase Bank takes immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Furthermore, I expect Chase Bank to adopt transparent and ethical practices when dealing with customers ' financial matters. 

Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with Chase Bank, which clearly support my claims. 

I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to Chase Bank from engaging in such deceitful practices in the future. 

I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

THESE ACCOUNTS IS NOT MINEEEEE. 

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
Consumer complaint received 2023-10-04
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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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.