davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has taken the funds from the check writers account the day after I submitted the check through the ATM, they have since been withholding my money which is causing undue XXXX for myself and the check writer as we have been unable to access the money and she had to go back and forth to her bank only to find that the funds were taken from her account and not released to me. She is XXXX XXXX XXXX and has XXXX and is unable to get around without assistance and was terrified to think I did not get paid for the work already done and she was fearful I would not return to work because Wells Fargo lied and said there were problems with HER XXXX XXXX which is false. 
Wells Fargo lied to gain access to my XXXXy via my XXXX XXXX XXXX  and is unlawfully withholding the funds. I was given at least XXXX conflicting stories as to why the funds were not released to me and this is unacceptable due to Wells Fargo having a history of unlawful business practices and has been sued in the past for unlawful practices and they seem to keep doing this. The explanation given is false and they did not resolve the issue satisfactorily- they have unlawfully withheld funds from me and caused XXXX  they somehow benefit from doing this to their customers as evidenced by the recent lawsuit they lost A federal class action lawsuit claims that Wells Fargo XXXX XXXX XXXX and XXXX XXXX XXXX by delaying to send wire transfers and delaying to make deposited funds available for excessive periods of time in order to generate interest on the funds ( This is from the class action website and this is recent- Wells Fargo is XXXX XXXX their employees to engage in XXXX XXXX  )
Consumer complaint received 2024-07-25
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: CL Holdings LLC (CA)

This XXXX account has been on my credit report multiple times. It is fraudulent, it gets removed, a new debt collector buys it and it reappears. Now it is owned by Jefferson Capital Systems and reported on my credit even though the account is proven fraudulent
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

On the morning of XXXX XXXX, I received an email from Chase Bank saying " Thanks for requesting a new credit card! ". I have an XXXX XXXX  credit card through chase, but did not request a new credit card. I called chase right away, who cancelled the application. I also called the credit bureaus to have my credit report frozen ( which they still are ). I never received any information from Chase on how to handle this situation, but I knew I needed to report it to the government somewhere.
Consumer complaint received 2024-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp. (AL)

I am writing to formally lodge a complaint against XXXX XXXX World Omni Finance regarding the purchase of my XXXX XXXX XXXX XXXX on XX/XX/XXXX. During this transaction, I traded in my XXXX XXXX XXXX, which still had a remaining balance. My credit scores were XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. I received a screenshot of these scores from my salesperson, XXXX XXXX. 
Despite my creditworthiness, I was financed through a subprime lender at an Annual Percentage Rate ( APR ) of 9.14 %, which is inappropriate considering my credit score. I believe that I was misled into accepting this unfavorable financing, and I suspect that fraudulent misrepresentation occurred in violation of the Truth in Lending Act ( 15 U.S.C. 1638 ( a ) ).

The contract fails to properly separate the finance charge from the amount financed, which is a clear
violation of federal law. This failure to disclose critical information has resulted in financial harm to me, as I am now burdened with an excessively high APR that does not align with my creditworthiness. 
I demand that XXXX XXXX rescind the contract due to these violations and fraudulent practices. I expect an immediate response to this complaint, including steps to remedy this situation, such as re-evaluating my financing options and correcting the terms of the loan.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

I am currently XXXX overseas. My card was used on an evening for two separate unauthorized charges resulting in {$XXXX} taken from my account on XX/XX/year> to some sort of management company. I called XXXX XXXX XXXX department and was told Oh this definitely does not look correct let us submit a claim. A provisional credit was issued and the case was opened. The decision came back and was concluded there was no error in the transaction, since tap to pay was used. An appeal was sent in reassuring that this charge is not accurate, and this company, which can not be traced, stole the money. I was denied again as of XX/XX/XXXX and was told without new information, I am not to be believed and can not be refunded. This is the second time the country Im currently in has stolen my funds.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (TX)

Discover has confirmed the receipt of my payment of {$15000.00} from my complaint XXXX and XXXX and has refused payment which is against the law. Im requesting Discover to return the tender of payment or credit to my account for the {$15000.00}. Payment received is payment credited or discharged, Discover received and acknowledged receipt meaning according to UCC 3-603 If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. Discover received my tender and refused, as for the XXXX that was a form of payment in credits from the Internal Revenue Services and was accepted and sent to Discover, if the credits have been returned, please provide me with the IRS form used, according to the Internal Revenue Services to accept or decline the credits, a form has to be completed. Please provide the information sent to the IRS to accept or decline payment credits.
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Commencing on or about XX/XX/XXXX to XX/XX/XXXX, I fell victim to two multi-layered scam operations run by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VA)

Sloan/Nelnet Education Financial services is reporting late payments from XXXX XXXX XXXX and XX/XX/year> on my XXXX, XXXX and XXXX credit reports, in which is adversely affecting my credit score and homebuying process.
Consumer complaint received 2024-07-10
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. (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NV)

Pnc bank On XX/XX/XXXX my account was showing positive and then the morning of XX/XX/XXXX it was negative from a few transactions going through plus I was charged an over draft fees twice I was not given the 24hr time frame to bring current like they state. The overdraft fees were automatically put on. This has happened many times.
Consumer complaint received 2024-06-04
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. (IN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. am I seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint regarding inaccurate late payment entries on my credit report that remain unresolved despite my efforts. More than 30 days ago, I provided written notice about these erroneous listings, requesting validation and correction. However, I have not received any response or action to rectify the issue satisfactorily. I am now escalating my request for your prompt assistance in remedying this continued reporting of incorrect derogatory information on my credit file.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX things like that, and on XXXX of XXXX I was finally released to go home I beet XXXX. As I get to my house I notice all my windows have been boarded up and everything I own is gone I called the police made a police report sent that to the bank and also my discharge papers that showed the date I was admitted and the date I was discharged.and they keep denying my claim 7 times now.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2019-07-16
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SECURITY FINANCE CORP (TN)

Repeated calls, abusive language, will not allow us to tell them they have the wrong number, they hang up on us when we try to explain they have the wrong number. They call 5 or more times before noon every day and several times after noon.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (NJ)

I have unauthorized accounts on my report I do not recognize So far none of them has been able to provide such proof to me. I have sent follow- up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items XXXX not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization. 
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

This is my XXXX time contacting the CFPB about Wells Fargo transactions that I need to be reimbursed for. The previous complaint case numbers are XXXX and XXXX so please reference these regarding disputed transactions. Long story short they have made it clear I obviously made the transactions. Why I'm making further complaints on this matter is because I have never received any goods or services provided to me for any of the transactions in question. Meaning I " paid for '' tons of items in exchange for nothing. It is to my knowledge that Wells Fargo also has in place a no liability policy. I've reached out several times to XXXX XXXX escalations representative and have yet to be contacted back regarding this matter. {$3400.00} out of my account with no merchandise service platform provided has had drastic Repercussions in my life. The only fair and just thing would be to reimburse me the money that was spent and nothing was received. I am now taking this matter even further to the fdic and my states attorney General.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint regarding an inaccurate bankruptcy report on my credit file, which has been verified by the credit bureaus through XXXX XXXX. This misinformation has caused significant distress and financial hardship for me, as it has negatively impacted my credit score and ability to access credit. Upon discovering the bankruptcy report, I was told by the credit bureau company to immediately contacted XXXX XXXX to request clarification on how this information was verified. To my surprise, XXXX XXXX informed me that they had verified the information through PACER ( Public Access to Court Electronic Records ), an online service that provides access to federal court records. However, PACER explicitly stated that they are not affiliated with XXXX XXXX and do not contact consumer reporting and credit reporting agencies. PACER 's sole function is to provide access to federal court records. 

On XXXX XXXX I also received a letter from XXXX stating the bankruptcy information reported was unverifiable have been removed from their files.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-04
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. am I seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-04
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. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I always pay on time and I know this for sure. I don't understand why this company says I'm late some months. This shouldn't happen. According to USC 1666b, any billing mistakes should be fixed and marked as paid on time.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXXXXXX XXXX, ga XXXX XXXX XXXX Dear XXXX, Transunion, XXXX : This is a XXXX  that I am a victim of XXXX.. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), as well as personal loan account opened at XXXX XXXX  on XXXX XXXX, XXXX under the account number XXXX XXXX XXXX  ). An personal loan opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) an personal loan with XXXX XXXX XXXX XXXXAccount number ( XXXX ) Opened : XXXX. XXXX another auto loan XXXX XXXX opened XXXX. XXXX, XXXX account number ( XXXX )
Consumer complaint received 2024-08-10
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. (CA)

I was recently laid off from my job and, while reviewing my recent transactions due to a separate issue with Chase, I noticed an unfamiliar charge from XXXX. I reached out to Chases claims department and confirmed that this transaction was unauthorized. To my surprise, I learned that unauthorized transactions with XXXX had been occurring since XXXX, which I had not been aware of. 

After resolving the initial dispute, I found a discrepancy in the refund amount. Upon further inquiry, I was informed that claims could only be filed within 60 days of the statement date. Unfortunately, many of the larger charges I initially flagged were beyond this 60-day window. 

There are still four other fraudulent charges totaling {$850.00} that I was unable to dispute because of this time limitation. 

I understand the 60-day rule, but I assure you that if I had been aware of these fraudulent charges sooner, I would have addressed them immediately. I discovered them while handling another issue, and I feel deeply violated by this situation. When I initially reached out to Chase, no one mentioned the 60-day restriction. I only learned about it when following up on the additional charges. Although I requested an exception, it was denied, with the explanation that I was informed of this policy when I opened my account nearly three years ago. 

I am asking for some understanding and compassion in this matter. I worked long hours in a demanding job and rarely checked my account, so the oversight was unintentional. I hope you can consider my situation and assist me in resolving this issue fairly.
Consumer complaint received 2024-07-29
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (UT)

I was told by the IRS that mine and my wife 's economic impact payments of {$1400.00} each were mailed to us XXXX or XXXX of 2021. We never received them and the IRS could never explain where the money went or why they couldn't just apply our payments to our 2021 taxes until 2 years later when I spoke to an IRS representative who said our payments were part of a group that was instead mailed prepaid cards from moneynetwork.com or also known as XXXX. 
I reached out to them from the number I was given by the IRS rep. Unfortunately, I was unable to speak to a live voice because I didn't have the prepaid card account numbers because I didn't receive them, but I could through their automated system request they mail out new cards if the system could verify they were not cashed... which they were not cashed. 
So the system resent them and again they were never received. FYI I have never missed mail at my address in the 5 years I've lived here. Never. 
I can add more specific details to this complaint if needed. 
Needless to say, I have gone back and forth with IRS and moneynetwork trying to get my money so the dispute for my 2021 taxes can be resolved. Without the stimulus checks, I owe on my 2021 taxes ; with the credit of the stimulus checks, the IRS owes me. 
Currently the IRS is threatening liens and garnishment via letters and web communications. I was also told my dispute was active at the IRS and that I shouldn't be receiving notices. 
I am filing a complaint to you with regards to XXXXMoney Network . If I could get a live person to send me the cards via a tracible mail system which I could pay for, I could get the money and matter could be closed. I think this would be the best solution. 
Please help resolve what seems to be a simple matter if I could just have a conversation with someone assigned to resolve my situation.