davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (FL)

I've noticed unfamiliar items on my credit report that I did not authorize. It appears my identity may have been stolen, as I did not approve these accounts. I've raised this issue previously and am now requesting these accounts be promptly removed from my report. Their presence is causing significant stress as they do not reflect my true credit history or financial management. Dealing with this has been challenging. If we can not resolve this promptly, I am prepared to pursue legal action to protect my rights and seek a resolution. These inaccuracies on my credit report are a substantial concern, hindering my ability to achieve important financial goals such as purchasing a home and supporting my family. I sincerely hope we can address this matter expeditiously.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

I need help with my dispute reference number, XXXX, for XXXX XXXX {$800.00} card ending in XXXX on XXXX and posted date XXXX to be looked into for me because the dispute department keep telling me different stories saying they still looking. They claim they never receive the check from XXXX XXXX or I didnt receive it to because it was supposed be put back into the account after the account was closed out and provisional credit was given for {$800.00}. I never received the refund from XXXX XXXX so please help me Do I have to pay the {$800.00} back or not or did the bank got the money from XXXX XXXX by a check they keeping saying my account is {$0.00}. Update today I called XXXX asking about my dispute and they now told me on XX/XX/year> they was supposed to fully close it out now but not sure if that too not and send me a letter on the XX/XX/year> saying they completed the research and something like that etc and they also say I dont have to pay it back because Wells Fargo was supposed to refund them the money back on XX/XX/year> I want yall to call them and verify if that is true or not and send me proof of my balance being {$0.00} and upload it to cfbp portal and mail it to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and proof saying Wells Fargo credits it back to them or refund it back to them or pay it back to them and saying I dont have to pay nothing and my account wont be going to a debt collection agency and my account is {$0.00} and also contact How to contact us We appreciate the time and effort you took to contact us. If you have questions, you may reach me at XXXX, Monday through Friday from XXXX a.m. to XXXX p.m. XXXX XXXX. We accept telecommunications relay service calls. 
Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and ask him if I am going to get a check for {$800.00} still or not or if that is still true and when will I get it? Please add it to case cfbp XXXX and case cfbp XXXX and case cfbp XXXX
Consumer complaint received 2023-11-29
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  XXXX XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

I suspected fraud on my account so went to a local branch XX/XX/2022. I was told to close the account and reopen another. Not a problem, but I asked the bank employee twice if it would affect my social security deposit the following day, XX/XX/XXXX. He told me not to worry. 
The deposit went into my closed account on XX/XX/XXXX, but on XX/XX/XXXX it was removed. I immediately called the bank. They told me that my account was CLOSED to deposits and withdrawls!!! The woman I spoke with changed it back and asked me if I had been in the bank that day. I told her no. She said someone had gone into my account. Interesting. And changed something. 
I had been expecting a deposit from insurance and was happy it went into the closed account @ XX/XX/XXXX. I submitted another and had been waiting for it for days. I called the bank 3 days ago and was told that my account was CLOSED to deposits. I did not ever authorize this. I need to reiterate : the social security check was still not redeposited. I would stop into the bank weekly and this banker would be obviously annoyed at me for asking if they could see if the check was going in. So, apparently, according to the supervisor at the bank someone went back into my account unbeknownst and without permission from me and shut it down. I still do not have that last deposit which was returned and almost didnt get the social security check had I not called. This is in my opinion a serious violation of my rights. I have filed a complaint with the bank and was told to speak to the branch mgr. I have called several times and am told that the mgr is out and would I like to leave a message. I do and they never call back. Unfortunately Ive got a very XXXX XXXX  this week and was unable to go in person. I fully intend to once I am better.
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C. (MO)

On about XX/XX/XXXX I contacted Blitt & Gaines about a lien that was put on my property without my knowledge, I explained that I had not been notified of any such lean and ask them if they could validate the debt they I let them know that I was trying to close on a piece of property and I had just lost my home too fire and that this was causing me great financial harm. In order to get my closing done I even offered to pay them so they said they'd settle for {$6000.00}, then they refused to do anything telling me they had to wait to validate debt.i They sent me papers which did not validate debt so I called back and told them they needed to release lien, they hung up on me XX/XX/year>, around XXXX XXXX, I called back they sent me to voicemail, I used another person 's phone and got through to XXXX who told me she wouldn't speak to me because I also was recording and hung up. XXXX I called back in the afternoon and spoke to XXXX and she refused to release lien but will send payoff to title company, I told her I was filing this complaint because they didn't validate debt. The only papers they sent me were a copy of statements, page saying debt is charged off, and a page from filing lien but nothing with my signature, no picture id, no papers where I got summons, their license to collect debt in Missouri nothing
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

When attempting to retrieve any information from Equifax I am 1 ) unable to use the company 's website and prompted to call in for support. When I run through the automated prompts I am run around in circles, redirected to the website for self-serve options, and unable to proceed through the prompts. This has happened numerous times over the past year when attempting to place or lift a credit freeze or access my credit report. 

I have no issues self serving access to my information on XXXX or XXXX. 

I have logged numerous complaints with Equifax customer support requesting an answer as to why I can not access their website services after successfully completing the member login. 

My only recourse is to wait it out on the line which routinely takes 30 minutes or longer which jeopardizes my ability to complete my work day. 

I have seen similar complaints about Equifax 's horrible user experience and customer service logged across forums such as XXXX. 

Please help!
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had this Capitol One XXXX XXXX credit card account since XX/XX/XXXX. XXXX approves credit limit increases every XXXX months as long as your credit report is in good standings. I have received XXXX credit limit increases after requesting them every XXXX months but was denied the XXXX time on XX/XX/XXXX with the message stating " XXXX XXXX XXXX XXXX has reported a recent credit delinquency. '' After requesting full credit reports from all three reporting agency 's, I have not had a delinquency in XXXX  years. The last time I had a delinquency, I did not even have this credit card account. 

Therefore, my credit report has not change other that adding on time payments throughout my tenure with this current credit card, having no delinquency 's during its duration, but am somehow only recently being denied due to delinquencies I do not have. 

I have tried calling multiple times and have had a customer service rep see that I have had XXXX increases and was denied my third. I stated I can send in full copies of my credit report but was told there is no where to send them, that the system for rate limit approve is automated. 

After already receiving rate limit increases through my tenure with this card, I should not be denied for delinquencies now, when no new delinquencies have occurred during my tenure with this account/card as proven by the reports from all three credit bureaus.
Consumer complaint received 2024-09-27
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-05
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (PA)

So I filed a dispute with Chase bank and as reg E rules and their website rules you get a temporary credit while the investigation is taking place so since Ive filed the dispute I never received temporary funds my card got stolen and money got taken out the atm and I have XXXX dollars to feed my kids or take care of myself and I asked why on your website does it say I get one in 4 days but theyre saying on the phone I have to wait till the investigation is over which is absolutely false I know my rights and banking rules this isnt right at all. So now this theif took my money and Im absolutely flat XXXX dollars and Chase wont even help
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2024-10-18
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: B9, Inc. (MN)

I just used this XXXX application for the first time XX/XX/year>. After using it I was immediately charged XXXX for their app services. Then I started using their card. It was a few transactions before I realized money was missing. I was missing about {$36.00}. I looked back at transactions and its showing I was charged {$4.00} per transaction. I immediately contacted the support team which in their wanted me to pay {$3.00} for immediate support or wait up to 48hrs for the free version. I ended up getting a response, however they were not willing to help me with anything. I told them I did not know I was going to get these fees added for using my card. They turned around and told me I did and they cant help me. I did not know of these fees and even after asking for a supervisor, I got the same answer back like Im talking to a robot. I am very sure I didnt get a supervisor because they said the same thing to me without hesitation
Consumer complaint received 2024-09-06
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

I never requested a benefits card. I prefer direct deposit, but was not offered that option. 

I activated my card, and and immediately transferred a test transfer of {$25.00} to my bank account. That landed the next morning, so I transferred {$5000.00} to my bank account. The next morning I checked on that transfer to find that Money Network had reversed. No explanation was given on the website. I called in and was told that my account, less than 24 hours old, had been flagged for closure by Money Network 's Fraud department. I was told there was suspicious activity, though the rep said that she could not tell me what that suspicious activity was. I asked to speak to her supervisor, then that supervisor 's supervisor, who was finally able to tell me that the fraud department had found my card number on the dark web. 

Now I had had the card less than 24 hours, used it for no purchases, and it had never left my house. The number had to have leaked before I even received the card. The only resolution Money Network offers is to close the account and mail a check, which will arrive in 10-14 days. The balance on my card is almost {$13000.00} and I can not wait 10-14 days to receive that money. But money network refused to allow me to transfer the funds to the bank account I had set up ( in the same name as is on the card ). They also refused to expedite the check delivery, and refused to offer over night service. 

I'm left waiting on my money while Money Network holds it for an extra two weeks, earning interest on it.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC (IL)

Capio Partners at ( XXXX ) XXXX and other numbers calls myself and my wife ( ( XXXX ) XXXX ) multiple times a day. Weve told them repeatedly that were not who theyre looking for ( they provided name, birthdate and last 4 of social, is that even legal?! ) but they keep calling. Today I called them back to tell them once again that were the wrong party and they hung up on me. I called back and asked for a supervisor only to be put on hold for several minutes then hung up on again! Im livid. XXXX reviews are nearly universally this same experience. Why are companies like this allowed to relentlessly harass citizens?! Help us!
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I noticed a fraudulent charge on my account on the XXXX of XXXX. The charge was made at 4 different XXXX stores simultaneously at the store numbers # XXXX, # XXXX, # XXXX, # XXXX. These stores are in 2 difficult states and 2 hours apart, at the same time i made a purchase at XXXX in XXXX XXXX which is 4 hours away from these locations. These charges were made with an XXXX XXXX  account. I have no XXXX XXXX  accounts i am associated with. I reported it then chase bank refunded the amounts charged that day. then the morning of XX/XX/XXXX the refund was withdrawn from my account. I asked chase why, they said they found it non fraudulent. I spoke with XXXX and they are opening an investigation and speaking with the authorities.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

My mortgage was sold to Select portfolio servicing early in XXXX. Everything was fine untill XXXX XXXX  when they did ACH payment from two accounts instead of one and I called them to request one account to be refunded. They refunded one of the payments but now they claim I missed my XX/XX/XXXX payment and put me on default and my property on pre foreclosure. At this point they adjusted my rate at 20 % and they wont let me make payments until i came up with XXXX so i can catch up. I called millions of times to ask for help and audit but no one helps. We did pay our payments on time until XX/XX/XXXX when they stop letting us make regular payments and purposely putting us on default for the incoming months. Customer service is not helpful and rude and the managers can clearly see that they got our XXXX.payment but miss to include it in the payment history. Its an accounting error on their side but they dont fix it. Please help
Consumer complaint received 2024-09-05
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: Experian Information Solutions Inc. (NJ)

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-05
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. (NJ)

I am writing to address inaccuracies found in my recent consumer report concerning late payment entries on accounts that have been consistently paid on time. The specific accounts are : XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX  : Account # XXXX, According to the Fair Credit Reporting Act, it is essential that all information reported is accurate and truthful. I have never missed a payment on these accounts, and I did not authorize any reporting of late payments. I am requesting a detailed investigation into these errors. 

Please provide documentation to substantiate the reported late payments and any records showing my authorization for such reports. If this documentation can not be provided, I expect the records to be corrected to reflect my accurate payment history of " on time. ''
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Certegy Holdings, LLC (MN)

I logged into my XXXX XXXX XXXX XXXX card account on XX/XX/year>, and noticed it was listed as " Card blocked due to fraud ''. I called the customer service phone number and was told that my card was blocked because of a disputed transaction, and that Certegy sent this block. They told me I needed to contact them. I attempted to contact Certegy was a reference number was needed, which XXXX XXXX XXXX XXXX didn't have any record of. 

I never disputed a transaction on my XXXX XXXX XXXX XXXX account or any transaction in relation to this account, such as adding funds. I have always added funds via Debit Card. None of those transactions have ever been disputed at my bank. I was given ticket # XXXX. I am confused as to why this occurred and it seems to be a mistake.