davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (VA)

XX/XX/year> Re : Complaint XXXX OR NEW COMPLAINT I am at a complete loss. Ive been battling Wells Fargo about the hack from my checking account/Bill Pay account in the amount of {$1900.00} for XXXX months now. A bill pay category ( XXXX XXXXXXXX XXXX XXXX ) was added without my knowledge or consent and a payment as noted above went to a XXXX XXXXXXXX XXXX XXXX. Wells Fargo has determined that their research shows the transaction was made through a secure online banking session by you ( me ) or someone who had your ( my ) authority and that no other processing errors occurred. This is not true and WF refuses to believe me, and they refuse to acknowledge that a hacker could mimic me at my computer and make such a transaction. In my conversations with XXXX XXXX a regional manager for WF in the downtown XXXX office, on Friday, XX/XX/XXXX and again on Monday, XX/XX/XXXX, he reassured me that he believes me and understands how this could have happened. He also informed me however that the stance of WF was that XXXX XXXX was liable for this event and should be the ones to refund me my money. 
I will point out once again, that there was a second attempt to add a bill pay category to my account XXXX days later but, I received an email from WF this second time that a bill pay category was added, again a XXXX XXXXXXXX XXXX XXXX  but I saw this email and contacted WF before the money could be sent out. Ive questioned why I did not get a notification the first time, but I keep getting mixed messages that it is Wells Fargos policy that the customer be notified when a bill pay category is added, some have said this is not necessarily the case. 
I was able to talk to a representative at XXXX XXXX, no easy feat ( XXXX ID # XXXX ) a Senior Account Supervisor last week who did some research and found that the account that was detailed in my WF Bill Pay statement was under investigation for fraud. I received a call back from XXXX this afternoon, he left a message stating that XXXX XXXX was unable to refund me this money and he specifically referred me back to Wells Fargo. 
I am at a complete loss as to what to do to get my {$1900.00} back. Neither institution accepts any responsibility or perhaps accountability in this and I am out {$1900.00}. 
Please advise. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (TX)

There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. DATE : XX/XX/XXXX COMPANIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSWORLD SYSTEMS INC (TX)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, TRANSWORLD SYSTEMS INC used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX XXXX reported nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. these fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I received my most recent consumer report on XXXX the consumer report is clear and is not reporting all the things that XXXX XXXX is saying. I received a letter stating that I was declined a bank account for numberous reasons. And these reasons that they say are being reported isnt on my Chex system report. So my question to Chex system is, why are all of this negative information still being reported. I also have an inquiry from XXXX XXXX XXXX and georgias own credit union that doesnt belong to me.i will attach the documentation to the complaint
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had a HELOC with Bank of America because of the economic meltdown of XXXX, XXXX, XXXX when I was a real estate agent and sold very few houses. We were required by Bank of America to have a checking account associated with the HELOC where payments to the HELOC came out of. We have bank accounts with other banks and didn't always keep the minimum amount in the required checking account and -- even though we continued to make payments to the HELOC on time -- we were charged {$25.00} per month for not having the minimum balance in the checking account. I estimate that we have been bilked XXXX  of dollars. I want it back!
Consumer complaint received 2024-09-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC. (CA)

Vehicle was repossessed and lender is reporting as a closed account with an outstanding balance. Also I was not given proper notices once vehicle was repossessed before it was sold. Vehicle was repossessed and sold. Lender is reporting incorrectly, incorrect dates, status and balance owed.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

I am rejecting this response because : I have a right to request the credit reporting agencies method of verification under FCRA, Section 609 a ( 2 ) You must disclose the source of this information to me. 
Also FCRA Section 611 paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states. " if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency including the business name and address of any furnisher of the information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.. In this case you said you spoke to your 3rd party vendor. I am requesting the following. 

If you can not supply me with this information in 15 days I want this incorrect information removed from my credit report or my next response will be to file a small claims lawsuit against your company to legally have it removed. 


( a ) The name of the 3rd party vendor ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute.
Consumer complaint received 2016-12-06
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP (CA)

US bank keeps reporting inaccurate information about an auto lease I had with them. The date of first delinquency was on XX/XX/2010 ( Please see attached old credit report showing the date of first delinquency. ) It has been exactly 7 years since the date of first late and this debt show no longer be reported. I have been submitting supporting documents showing the mistake but they keep ignoring my request to correct and now completely remove the account. US bank is doing everything and anything to delay the process and not remove this collection as they should. I have contacted US bank directly and submitted documents 4 times already and at least 6 times to XXXX. Every time it 's the same reply that the debt belongs to me and is not removed.
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (NJ)

Car was inspected for damages on XX/XX/XXXX, inspection was valid for 90 days. 
All repairs were made for issues noted on the inspection on XX/XX/XXXX. 
Car was returned on XX/XX/XXXX to a local dealership, less than 90 days after the inspection. 
Invoice was received in XXXX for all original charges on the first inspection including items like the user manual that was returned with the car, plus excess days as they reported that the car was turned in on XX/XX/XXXX. 
I sent an invoice for the repairs on XX/XX/XXXX showing that every item on the original inspection was repaired. They removed the charges and added {$XXXX} in new charges claiming that another inspection was made sometime in XXXX but did not let me know about the second inspection or that they had recorded that I repaired everything until after I sent them the repair receipt. The car was out of my possession for nearly XXXX months at the time that the second inspection had taken place. 
Claimed on XX/XX/XXXX that the balance of ~ {$XXXX} was late even though I had never been notified of this balance by mail or email. I demanded to receive a first bill for the balance I was " late '' for. 
Reported a charge off on my credit report for ~ {$XXXX} on XX/XX/XXXX claiming that I was 109 days late even though I wasn't sent a bill until XXXX. 
Settled the account for {$XXXX} which is {$XXXX} more than I was required to pay. 

Acts of fraud : Adding charges to my account for damages that took place while the car was not in my possession for XXXX months Not sending me a bill for XXXX months until I requested XXXX but reporting to the credit bureau that I was 109 days late Purposely recording that my car was returned nearly XXXX weeks after I had returned it to add daily rental charges to my account
Consumer complaint received 2015-10-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (IL)

In XXXX of 2015 I went to my US Bank to discuss identity theft with my XXXX account and my checking account. The branch manager suggested that she open a new checking account for me, and this was done. I could not immediately close my old account since I had to first change my direct deposit information with Social Security and my pension fund. I did this, and I also changed all my information with my creditors. 
In XXXX of 2015 I paid my monthly statement with a creditor in the amount of {$60.00}. I again checked to be certain they had the new account information. Approximately 10 days later, I received a letter from the creditor stating that they had received a returned payment communication from US Bank, and the payment was denied. I immediately contacted the same branch manager to see what the problem was. She told me there was no copy of any returned statement by them to the creditor since US Bank does not keep copies of returned payments on a closed account. However, the {$60.00} is missing from my new account. 
Both the creditor and I believe that the new account was used for the payment. The branch manager insists that since she can not find a copy of a returned payment, the old account must have been used. I find no reason to believe the branch manager as the {$60.00} is still missing, and to whom did the bank release this money?
Consumer complaint received 2024-09-11
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (MO)

US Bank recently cancelled the free night award bonus which was a benefit of their XXXX credit card. I had renewed my annual membership with them for this card solely for this benefit feature. US bank did not communicate clearly with me that the benefit had changed. Instead they added a small notification in my monthly statement to notify that this benefit was set to expire XXXX XXXX. I feel I was misled by US Bank as they advertised at the time I renew my membership unlimited free bonus award for any nights booked with points. My family does a large part of our banking with US bank and are now considering other options.
Consumer complaint received 2015-05-06
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

I opened a Macy 's credit card once, did not get their bill. They threaten me for debt collection. On the phone, I gave them my bank account number, paid for the late fee and everything. At the same time, I requested to cancel my credit card with them. I am still getting another bill from them to pay them another {$2.00}. Even though I am not their customer anymore.
Consumer complaint received 2023-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC (MS)

I received a letter from Reliant Capital Solutions in XXXX XXXX XXXX. My credit reports says the the account has been delinquent since XX/XX/XXXX, but I was NEVER notified until XXXX of XXXX. I wrote a letter requesting a debt validation letter and never received a response. It was then put on my credit without a response to my initial request.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX. 
LAST NAME : XXXX. 
DOB : XX/XX/scrub>XXXX XXXX XXXX XXXX SECURITY FREEZE
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NY)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (MD)

I have recently joined M & T and love the bank but the fee 's are outrageous. I have received over XXXX dollars in fees since I have been with them and I have called to request a few fees back and nobody will help. I have always received assistance with other banks. They wont help at all. In addition there fee 's are XXXX each. I just asked for half of my fee 's back. I dont know why they dont try and accommodate there members
Consumer complaint received 2024-09-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (IN)

Dear CFPB, I am writing to file a formal complaint against Marcus by Goldman Sachs regarding my CD account, which has been locked for over two months without a resolution. Despite multiple attempts to resolve this matter directly with Marcus, their responses have been inadequate, and my account remains inaccessible. Below is a detailed account of the situation : Account Lock Notification : On XX/XX/year>, I received an email from Marcus stating that my account was temporarily locked and that action was required on my part.

Initial Contact : I called Marcus customer service on XX/XX/year>, to resolve the issue. They informed me that my account could be unlocked by verifying my identity over the phone. However, they claimed there was a problem with my phone number, which prevented verification. Marcus refused to provide details about the problem due to " security concerns. '' Alternative Verification Attempts : Marcus suggested that a relative with the same last name could verify my identity on the phone. I added my brother to the call, but Marcus then changed their requirement, stating that the relative needed to be physically present with me. This was not possible as my brother and I live in different areas.

Promises of Call Back : Marcus promised to call me back within seven days to provide an alternative verification method, but I never received a call. I had to initiate follow-ups, constantly calling them, only to be met with vague and unclear responses. Different people answered the phone, and they kept passing the responsibility around. 

Physical Mail Verification : Eventually, Marcus suggested verifying my identity through a physical mail sent to my address. I waited more than seven days but received no mail. I asked them to send the mail to my previous summer address as a test, but I still did not receive it. Since XXXX, despite following up every 5 to 10 days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), Marcus has continually promised to send the mail, but I have never received it. 

Most Recent Communication : On XX/XX/year>, I called Marcus again. They claimed they would attempt to send the mail back to my original address. To date, I still have not received the verification mail. It is important to note that I did receive a CD statement from Marcus at the same address, indicating NO ISSUE with my mailing address. 

I am highly concerned about the handling of this matter and doubt that Marcus is fulfilling its promises. My account has been locked for over two months, causing significant financial hardship to my family and severe XXXX XXXX to me. I believe Marcus 's failure to provide a clear and effective resolution is unacceptable and possibly negligent.
Consumer complaint received 2022-12-27
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. (MI)

XXXX XXXX  reported a charged off credit card in my name on XX/XX/XXXX and continued reporting this charge off every month until XX/XX/XXXX. For those months XXXX XXXX  reported the identical information, in other words there were no updates. Yet XXXX XXXX  continued to provide updates of the identical information every month for those 6 years to the credit bureaus Experian, XXXX and XXXX. 
I have two questions ; Question 1 : Why did XXXX XXXX  continue to update this charge off from XX/XX/XXXX through XX/XX/XXXX with the identical information, there was no updated information to provide. 

Question 2 : Why did XXXX XXXX  stop reporting this account in XX/XX/XXXX. 

I believe the reporting of identical information although there was no need to do so, was to cause me more harm knowing that the FICO algorithm would score each update of the Charge off as a recent charge off. In other words XXXX XXXX  is aware that updating a charge off from XXXX in XXXX the FICO algorithm will score that as a charge off for XXXX. Causing serious harm to my credit score.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (FL)

I have a checking account with Chase bank. I checked my account today via the Chase app like I have done many times and I see an account hold has been put on my account. The account hold was for - {>= $1,000,000}. My balance before this account hold was {$8900.00} and my current balance is- {>= $1,000,000}. The bank has frozen my access to my {$8900.00} so I am unable to pay my bills or use my debit card for purchases like food and other necessities. I did not make any changes to my account, request any changes, or anything else to my account. See attachments for details. 

When I called Chase customer service, they could not provide me a reason or when the hold will be removed and told me that I need to visit a branch. The branches are closed and I am unable to visit a branch timely due to my XXXX. 

I am asking for help with resolving this matter, which I think is fraudulent, deceptive, and/or illegal banking practices in order for Chase to benefit from holding my funds for their profitability
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.