davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (AZ)

On XXXX XXXX XXXX after being denied for an apartment, I pulled my Consumer credit report and found that possible violations of my consumer rights according to TITLE 15. 

A Wells Fargo Bank is negatively and inaccurately reporting an old credit account I had with them as a CHARGE OFF Status on my consumer credit report. 

This account was a XXXX XXXX XXXX funded by me, the account holder. 

Wells Fargo Bank is reporting against this account as if they suffered some type of damages. They did not loan any monies to fund this account. All monies were provided by the account holder when the account was opened. 
Wells Fargo Bank did not send me at 1099C if they did Charge off this debt. 
Wells Fargo Bank is reporting my performance on this account which was a XXXX XXXX. 
I was not given any notice before this information was added to my consumer report. 

The reporting of this inaccurate information is harming me and hindering me from obtaining services on credit. 

Per 18 USC 1028 ( a ) Since I did not give permission for them to provide this information to my consumer credit report, this would be considered Identity Theft.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Pa TransUnion, XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX XX/XX/XXXX XXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Pa XXXX
Consumer complaint received 2024-09-29
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SinglePoint GI (MS)

Sometime in XX/XX/year>, I received a phone call from XXXX XXXX XXXX saying I owed debt from XXXX XXXX XXXX XXXX. The representative went on to explain how my credit would be affected and itll make my credit report look bad, and just had a nasty attitude all the way around. I was XXXX, a freshman in college and really did not know much about anything related to credit. As of today, since I am much more educated on laws regarding credit I am sending this report in. Also, we ( General Revenue Corp and myself ), both agreed once paid itll be off my credit and they have not reported that to the credit bureaus yet, as I have tried to dispute several times. I want this off my credit.
Consumer complaint received 2023-10-02
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. (CA)

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. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-01-01
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2022, I changed the autopay amount on my American Express to the total amount due - as opposed to the total statement balance and received confirmation from Amex that my change had been confirmed. 
On XX/XX/XXXX, however, I noticed that Amex had deducted from my bank both the changed autopay amount as well as the original statement balance. 
When I called Amex customer service to ask for an explanation, I was not able to get one that made any sense as the person at their outsourced phone bank in XXXX - after putting me on hold numerous times, could not provide any rational explanation. In the wake of this, I wrote a letter of complaint to American Express and have yet to received a reply. I took the precaution of cancelling autopay in order to avoid any further such surprises. 
On XX/XX/XXXX I scheduled to payment for the full balance due on my Amex in preparation to closing my account. When checking my bank account online XX/XX/XXXX, I saw that my full balance has indeed been paid and I had a XXXX balance. But I also saw a credit from Amex for {$430.00} ( which was the autopay amount I scheduled on XX/XX/XXXX ). When looking at my Amex account online on XX/XX/XXXX, I saw that they were now billing me an adjustment of the exact same amount. 
I called Amex customer service on XX/XX/XXXX to ask them to explain this boomerang credit/adjustment for the same amount and, after an hour on the phone being put on hold numerous times, was unable to get XXXX. I then asked that American Express explain this fiasco in writing and was told that she would note this but could not tell me when I might receive an explanation. 
I could, of course, pay the {$430.00} that Amex credited to my bank to return the " adjustment '' that appears on my statement, but am concerned about what further surprises American Express might have in store for me. I have stopped using my card and switched all recurring payments to other credit cards, so I should have a XXXX balance.
Consumer complaint received 2024-09-20
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: FORD MOTOR CREDIT CO. (PA)

I am writing to formally file a complaint against Ford Motor Credit for their failure to properly investigate and remove a fraudulent car loan account that has appeared on my credit report, despite numerous attempts to resolve the issue since XX/XX/year>. 

This account was fraudulently opened in a state where I do not reside. Since discovering this account, I have followed all necessary steps to address the situation, including providing Ford Motor Credit with the following documents : Police report documenting the identity theft.

FTC Identity Theft Report.

Identity Theft Affidavit.

Proof of residency, including a recent utility bill, which was requested as a substitute for my drivers license due to ongoing fraud concerns.

I have mailed these documents to Ford Motor Credit on several occasions and have called multiple times to discuss the matter with their representatives. Each time, I have been asked to resend the same documents. Most recently, on XX/XX/year>, I received yet another letter from Ford Motor Credit requesting that I resend all previously submitted documentation. 

On XX/XX/year>, I faxed my utility bill, ID Theft Affidavit, FTC Report, and police report again, along with a copy of Ford Motor Credit 's letter. During this process, a representative assured me that once the documentation was received, the fraudulent account would be removed from my credit report. However, despite complying with every request and submitting the appropriate documentation, this account remains on my credit report. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of inaccurate or incomplete information from consumer credit reports. I demand that Ford Motor Credit immediately remove the fraudulent account from my credit report and cease any further reporting of this erroneous information. 

Please investigate this matter promptly and take action to ensure that my credit report is updated to accurately reflect my information. 

Thank you for your attention to this serious issue.
Consumer complaint received 2024-09-29
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NY)

In XX/XX/XXXX, I vacated my apartment at XXXX XXXX in XXXXXXXX XXXX Since moving out, I received communication from a third-party debt collection company, National Credit Systems , claiming that I owe a balance of {$4900.00}. I have never conducted business with National Credit Systems, nor did I authorize them to have access to my personal information. 

On XX/XX/XXXX, I sent a cease-and-desist letter to National Credit Systems requesting them to stop all communications and provide validation of the debt, including proof that this debt is mine. I also questioned how they obtained my personal information without my consent. The collection company responded on XX/XX/XXXX, by providing a breakdown of charges from XXXXXXXX XXXX  but did not sufficiently address my concerns regarding how they acquired my information. 

I have since disputed the debt, as I believe I do not owe the claimed amount. The charges seem excessive, and I am unsure why my account was sent to collections. I have not received proper documentation to validate the debt, and the collection agency continues to pursue me without a clear resolution.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (CA)

We went into a BMO branch on XX/XX/year> to open a checking account for our son who is going to college. Our son 's college promoted BMO as they have no fee ATMs on campus. The bank agent recommended that we also open a high yield Alto BMO savings account to link with the BMO checking account. Applying for an Alto BMO HY account is only available on-line. We completed the application for our son and separately for ourselves and were declined both times. In the process of completing our applications, we provided personal information such as our addresses, phone numbers and social security numbers. We then called Alto BMO and were told that our applications were not approved due to potential fraud or identity concerns. There was no opportunity to escalate the matter or appeal the decision process. We are qualified and have had no issues with securing accounts in the past. We left the conversation very concerned that Alto BMO is a scam and are also worried that our personal information is now compromised. We then looked online at other customer reviews citing the same issues. Alto BMO needs to be investigated immediately.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MA)

My XX/XX/2024 statement total does not match the sum of all transactions in the preceding month. I do not carry balance month to month and pay my balance in full every month however the my XXXX balance shows {$42.00} total, whereas all transaction add up to {$15.00} ( {$27.00} difference ). Oddly enough my XX/XX/2024 statement was exactly {$27.00}, which was paid in full on due date as well. I contacted the company several times via online system on their website and they closed inquiry without response. When I called the Customer Service number the CSR was unable to explain where the difference came either and stated that he's " providing all the information ''. For more than a month now Chase have been unable to explain or substantiate the charge and refused to provide any assistance identifying it.
Consumer complaint received 2024-09-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (VA)

I made an over the phone payment of {$300.00} through the third party app Ally uses yesterday on XX/XX/year> before XXXX. The representative informed me the payment would be processed and charged to my account the same business day. I called Ally this morning for collections to advise me it was my bank accounts fault yet I have physical proof there was no transaction made. Collections have provided me nothing but inconsistent information saying itll be the same day, no itll be 1-2 days, and that itll even take up to 10 days to process. I have been dealing with this exact issue of attempting to make payments with Ally posting it to Ally to reflect on my account but theres been no withdrawals even attempted. I have consistently been attempting to make contact and get clarification for two whole weeks to only be blocked from my personal number and have to use my familys phone to get in contact but when I acknowledge this issue Ally says there was no block on my phone. My bank has even pointed out the processes that are happening are suspicious and advised me to be wary of Ally as a business. From the beginning of XXXX Ive had nothing but issues with collections and customer support advising me its nothing they can do and its my bank meanwhile theres no hold and Ive been able to make payments in the last. Ive attempted to make payments totaling {$700.00} at this point for none of the money to come out and my interest rates and fees to only keep collecting.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PR)

This is a complaint that was submitted on XX/XX/year> with case number XXXX and was closed when the bank responded but it still unresolved. On XX/XX/year> I requested a {$12000.00} withdrawal from my savings account on Marcus by Goldman Sachs bank to my linked account. On XX/XX/year> I called the bank because I noticed that the transaction was reversed. I explained the situation and they transferred me to other departments multiple times and after an hour they finally told me that my transaction was reversed because of a security issue. They said that the information that I provided to verify my identity didnt match with the information that they have on file. I told them that they never asked me anything to verify my identity. Then they asked for my mother name and I provided the information and apparently I got that answer wrong. Then they said that they have to send paperwork by mail and Ill have to get that notarized. They froze my account and I have no access to it. I called them multiple times after that day and asked for a supervisor which they said that they dont have one at the moment and a supervisor will contact me between 2 to 5 business day but that never happened. I still calling them and told them I want my money and I want to close the account but I cant because they cant verify my identity. The bank sent an Affidavit of Identity on XX/XX/XXXX, XXXX continued reaching out to them on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, this day I called 7 times because they hanged up the calls multiple times, and XX/XX/year>. Every time I called is the same response, the case still under review I sent the affidavit of identity back to them and it was delivered on XX/XX/year>. Since then they said its been under review and they have 7 to 10 business days to respond. This is a nightmare and I just want my funds. Most importantly, I notified them that I am purchasing my first home and I need this money for my closing costs. I need this situation resolved because the bank and the seller are waiting on me for the remaining funds for closing costs. If I dont provide the funds the seller is going to back out because the contract expires soon and Ill loose my {$20000.00} deposit.
Consumer complaint received 2024-09-16
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a Kohls/Capital One visa card that I did not ask for or request. I called Kohls and spoke with supervisors and wrote a letter to Kohls XXXX asking that they not send me this card. I only want to keep my " store '' Kohls credit card. Kohls could not cancel the Capital One visa. I would have to cancel it once I received the card in the mail. I never ask for this card. I never agreed to this card. I never wanted a Capital One/Kohls Visa .

How can a company ( KOHLS ) do this without my permission and not be able to cancel it when I call them to complain.

How they can get away with this is beyond me.

I have cancelled the Capital one visa after several hours of being shuffled around on the phone and finally getting a supervisor. I was told that my store Kohls card will not longer be active as well. Good XXXX XXXX Kohls will no longer be a store I will shop at with this kind of shady practice they should be sued.

I want to note that my husband was not send a Visa card so It appears only some people are treated this way.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

[ capital one & XXXX XXXX XXXX ] [ XXXX day of XX/XX/year>2024 ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX, NY XXXX ] Dear [ Capital one & or XXXX XXXX XXXX ], RE : Computational Billing Error Resolution Affidavit I, [ XXXX XXXX ], hereby declare and affirm that I am submitting this Computational Billing Error Resolution Affidavit in accordance with Regulation Z, 1026.13 ( Billing Error Resolution ) for the following billing discrepancy identified in my utility account : 1. Account Number : [ Utility Account Number ] 2. Billing Period : [ Billing Period in question ] 3. Description of Billing Error : [ Brief description of the billing discrepancy identified, e.g., incorrect meter reading, overcharge, calculation error, etc. ] 4. Amount in Question : $ [ 474 ] I request a thorough investigation and correction of the billing error identified above. I understand that under Regulation Z, 1026.13, I have the right to dispute a billing error within 60 days of receiving the billing statement that contains the error. I am providing the following information and documentation to support my claim : - [ List any supporting documents, meter readings, previous bills, correspondence with the utility company, etc. ] I request that the credit company investigate this matter promptly and provide a written explanation of the resolution within 30 days of receiving this affidavit. I also request that any necessary corrections or adjustments to my account be made promptly.

I declare that the information provided in this affidavit is true and accurate to the best of my knowledge. I understand that providing false information may result in penalties or legal action.

Please acknowledge receipt of this Computational Billing Error Resolution Affidavit by signing below and returning a copy to the address listed above.

Sincerely, [ Customer Signature ] -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Acknowledgment of Receipt : I acknowledge that I have received the Computational Billing Error Resolution Affidavit submitted by [ XXXX XXXX ] on [ XXXX day of XXXX, 2024 ]. 

Utility Company Representative : ___________________ Date : XXXX day of XXXX, 2024 [ End of Affidavit ] This template can be customized and used by utility companies to process billing error resolution requests in compliance with Regulation Z, 1026.13.
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

XXXX quit deed her brother the house paid the mortgage out of her Bank account automate paid her mortgage part of the mortgage agreement. She died. I paid the mortgage out her estate. XXXX XX/XX/XXXX, the bank sent her a letter informing her since they was unable to draft recent loan payment from the designate account. On XX/XX/XXXX the bank sent her a payment statement she owe XXXX. Since I paid it. On XXXX, XXXX I went to Webster Bank In XXXX ad informed the bank of my sister death and showed the bank the death certificate and Quit deed that Iam the new owner of the property. And informed the bank Iam not paying another mortage until the problem is strengthen out. The bank notified the loan department and informed me the mortage department will contact me in a week. I received a letter from the loan department in XXXX ct. If i don't sign the letter saying Iam the successor in interest the bank won't send me notice or communication. When I reviewed the discloser agreeing the bank approved the loan with loan with an escrow account with the interest. But with the escrow the loan is payoff. So se was paying the principal on the mortgage loan with interest. See attachment.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Coinbase, Inc. (FL)

The online program indicated the transaction went through, but suggested it might take a few minutes to clear. No email was sent to me of transaction. My balance in account remains the same. My bank ( XXXX  ) claims they have received no money. No transaction history exists on line, There is no one to talk to at COINBASE. They instead of chat boxes that supply machine answers. I have followed all their suggestions, and i have no answers. I insisted on a call from a human, and the chat box didn't understand the question. This is enfuriating. Please, help. I opened the account in XXXX, i've had all types of issues, never was able to talk to a person. Companies like this should not be allowed to do business.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (CA)

XXXX XXXX and XXXX XXXXXXXX stole XXXX XXXX. Dollars from me at XXXX XXXX m and t bank XXXX pa about year ago!! 

I want that money back!! 

Police report needs filed I don't know how navigate court system!!