davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
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. (FL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under The fair credit reporting act states : According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Please remove the following items from my credit report, immediately. 


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 2024-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: VALLEY NATIONAL BANCORP (FL)

XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX **Re : Complaint Against Valley Bank for Unlawful Account Closure** Dear CFPB Team, I am writing to file a complaint against Valley Bank ( XXXX XXXX XXXX, XXXX, NJ XXXX XXXX regarding my Valley XXXX Checking Account ( XXXX XXXXXXXX ). I opened the account on XX/XX/year>, but it was closed shortly after without explanation. The funds are being held without cause, and my attempts to resolve this have been ignored. I feel discriminated against. 

Please investigate this matter and ensure Valley Bank releases my funds and provides a valid explanation. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (UT)

I'm trying to make a XXXX a month arrangement to pay XXXX  something dollars but they keep trying to make me pay a bigger amount threatening me if I don't the will size my bank account.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (TX)

I recently reveiwed my credit file with XXXX XXXX XXXX XXXX and observed a account. With Plaza Services acct # XXXX for collections. The original creditor, XXXX XXXX sold this account. 

In the selling of this debt to Plaza Services, with whom I do not have a Proper Assignment contract with. For them to collect this debt under the Fair Debt Practices Act 15 USC 1692g. I request to see copies of the Proper Assignment Contract, and a copy of the Purchase Agreement letter. 

To verify that they a legal obligation to collect this debt on my behalf. If these documents can not be produced as verification. Then I request that this account be deleted from all and any of the three mayor credit bureaus. XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

A copy of this complaint wil also be sent via certified mail, return requested number : XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Bank of America withdrew {$8400.00} from my checking account on XX/XX/2024 and again on XX/XX/2024 in the same amount of {$8400.00}. They said that a refund was issued on XX/XX/2024 but it never made it back to my checking account. I have called over 10 times to resolve this issue only to be told it is being researched and wait 5-10 business days. They have told me twice that they had the wrong routing number which I provided to them, even though they were able to with drawl from my account monthly. I'm tired of their lack of response and should have filed this complaint several months ago but I bought into their " lip service ''.
Consumer complaint received 2021-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

I have reported this to criminal court in CA, NY and NJ. Several criminals at XXXX XXXX have stolen my debit cards and credit cards on Friday XXXX XXXX. The bank is refusing to send me a debit card at Wells Fargo. I do not have much money in my checking account. I have joint and beneficiary accounts, there, however, people are duplicating my phone numbers and blocking me from accessing my debit/ credit cards. I told them that I have a problem walking and they refuse to send me a new debit card. They told me that I had to walk into a branch. I believe that this CEO is XXXX and //or he is allowing a criminal at XXXX, XXXX, XXXX XXXX to access my banking accounts. The most frustrating thing is that it is painful for me to walk and they refuse to mail me a debit card. Lastly, they never respond to my complaints that I have submitted. The housing director, XXXX  XXXX, where I, temporarily, live has stolen a large sum of money and the bank is trying to protect her thievery. She is a XXXX non rich, jealous, woman and she is trying to steal everything from me and my father. She is also making my XXXX and other illness worse through hacking my wifi. I only needed one card to be mailed and they act like I am not entitled to a new card. This is the first time that I had a problem at Wells Fargo Bank. If XXXX XXXX, the thief, wants to get free money from the bank, then, the CEO should supply her with his money.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I received an monthly invoice for my credit card with AAA Travel Advantage Visa Signature, which uses Comenity from Bread Financial. The amount due was {$7100.00} and was due on XX/XX/XXXX. I sent a check for the entire amount on XX/XX/XXXX. They didn't cash the check until XX/XX/XXXX. As a result, they are charging me a {$30.00} late fee and {$150.00} in interest. 
This is not unusual for this bank ; they sit on incoming checks for weeks at a time, every month. I believe they are making millions of dollars in late fees and interest for which they are not entitled. I don't know if this is just long-standing incompetency or if it is intentional. 
Can you help me get my late fee and interest back? Thank you.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

I was contacted by someone named XXXX, who stated that he was a representative of Wells Fargo. He stated that he had reviewed the business account overdraft protection charges. He concluded that $ XXXX of overdraft fees over a year or more had been credited to the business accountend of investigation concerning overdraft fees. He also mentioned that an ongoing investigation concerning the breach of the business account involving the opening of an account by an employee of Wells Fargo along with an unauthorized breach of personal and business information. I also received a letter from Wells Fargo mentioning possible mediation to solve the breach of account matter, but yet to receive further communications. 

I'm in total disagreement with his conclusive overdraft claim about the previous un-timely claim # XXXX, and I think that a special third-party auditor should be assigned to the task of the investigation. As this is related to overdraft fees and other practices stemming from back in XX/XX/XXXX, when Wells Fargo came to a settlement with the CFPB regarding abuse of fees and interest charges handed down by the bank to customers in which I'm a victim. Please note that the breach of account started in XXXX, and is yet to be resolved.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (MA)

I disputed the item. I contacted the store. They told me I had to pay to ship the item back. I filed a dispute. PayPal told me I had to Pay to send it back. They offered a voucher not a credit.
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On or about XXXXXX/XX/year> I applied for an online payday loan & was scammed. I had never applied for XXXX before so when they asked me for my bank information & to send a XXXX to make sure everything is verified I did. Youll see on the attached checks that they deposited 4 checks that were written for large amounts but cashed for different amounts & with a forged signature of mine. I did send the XXXX & I know how bc Ive sent them in the past but I didnt know it was fraud, they said it was to verify my account information. After speaking to my daughter she told me it sounded like a scam. I called the bank & put in a dispute provided all the information they wanted & they gave me back my money for {$640.00}. They changed my bank account & closed the old one. I thought the bank would go after the scammers but instead on XX/XX/year> they said its my fault bc I sent them a XXXX & they reversed the credit of {$640.00}. I spoke to my niece a former bank employee she stated the bank shouldve caught that the deposit amounts were wrong & called me about the deposits & maybe that couldve stopped them before I even sent the XXXX. That money was for me to move into my new apartment in a couple weeks. Please help me get my money back. Thank you so kindly!
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

I paid the charge I made that was on my XXXX statement. Now they are coming up adding interest and late fee. I called them today about this and they removed the late fee. I tried to use my card tonight and it came up declined. I called the and they said my account is past due. That I have to wait 24-48 hour for that credit to post on the account that they put in for today. For that late fee of {$29.00}. I told them I needed to make this charge tonight using this card. They said they can't do anything. I advised them this is not my fault that it was them that made the error.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, I made a wire transfer of {$27000.00} at a local Wells Fargo branch which I found out is a fraud after XXXX hours. I came to a local branch immediately, report the fraud and initiate a recall. The banker told me she just approved the wire transfer within an hour and helped me frozen the funds immediately. The fraud case number is XXXX and the escalate complaint ID is XXXX. Since the receiving account is also a Wells Fargo account, I was supposed to recall it successfully. But it turns out that I was told XXXX month later that the wire transfer is already completed and the recall needs the permission of the recipient. Wells Fargo didn't take its responsibility to help me frozen the receiving account before the wire transfer is complete and should be able to recall the funds back before the recipient withdraw or transfer the funds.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (PA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-07-11
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. (FL)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-07-27
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 2024-08-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

I previously held an account with Wells Fargo and believe I was wronged as part of the issues that led to the banks {$3.00} XXXX fine by the CFPB. I am seeking reimbursement from the recent settlement for any improper actions that affected my account. Specifically, I may be entitled to compensation for issues such as improper automobile repossessions or other wrongful actions by the bank. Additionally, I request compensation for the inconvenience and harm caused by these actions. 

I consent to publishing this description after the CFPB removes personal information.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Concord Servicing Corporation (TX)

Fair Credit Reporting Act 15 UC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise three grave responsibilities with fairness, impartiality., and a respectful the consumer 's right to privacy ''. XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. According to 15 USC 6801 states I have the right to make sure my private information isn't shared. " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title. The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they most definitely do not have my written consent. This account is an adverse item they are reporting again without my permission against the law. 15 U.S Code 1681s- 2 ( A ) ( 1 ) A state " A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed o avoid violation of section 1681c of this title and to limit the furnishing of consumer report the purposed listed under section 1681b. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states " Consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services ''. 

What would be a fair resolution to this solution?
Consumer complaint received 2024-06-27
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. (WI)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. DELETE the accounts right away : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Auto Trakk, LLC (NV)

The auto tracker altered the paperwork, indicating that I acquired the car in XX/XX/year>, which I have already stated. The issue arises from their claim that I made a payment this year, which is completely false. How can they tarnish my credit with falsehoods? I demand proof of the alleged payment I made this year, including the account it was drawn from. This misinformation must be removed from my report, as it is a clear violation of my rights '. You need to proof the case no make fake paperwork, is absolutely fake. This is about to hit the court keep sending the paperwork fake because according to you I went on XX/XX/year> and that is the worst lie. YOU WRONG and violating the FRCA. we all know, the part you lie is that your employed got a romance with my decease daughter and you guys make this, so keep going because I have all the proof.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NC)

In XX/XX/2024, a payment to GM Financial was incorrectly reported as late to the credit bureaus. Upon discovering this error, I contacted GM Financial to dispute the late payment. I spoke with a XXXX who agreed to submit a dispute to the credit bureaus to correct this error. However, as of today, I have not received confirmation that this dispute was actually submitted. 
I have made multiple attempts to follow up with GM Financial 's customer service to verify if the dispute was submitted as promised. Despite these efforts, I have not received clear confirmation that the necessary steps have been taken to correct this error on my credit report. 
This incorrectly reported late payment has negatively impacted my XXXX XXXX. I am seeking to have GM Financial follow through on their commitment to submit the dispute to the credit bureaus and to have the late payment for XX/XX/2024 removed from my credit reports.