davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NY)

I am writing to file a formal complaint against Wells Fargo Dealer SVC regards their unauthorized sharing of my non public personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information, and I believe my privacy rights have violated. 

On XX/XX/year> I notified Wells Fargo Dealer Svcs that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my non public personal information with non affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with institution.

Despite my explicit opt-out request and my clear assertion of my rights under The GLBA, I have reason to believe that Wells Fargo Dealer SVCs had contributed to furnish my non public personal information to non affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potentials consequences of this unauthorized sharing, including the protection for identity theft, fraud, or other financial harm. 

I kindly request that Consumer Financial Protection Bureau Incesitfsge this matter throughly and take appropriate action to ensure that Wells Fargo Dealer SVCs complies with all federal regulation and, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the process of this investigation and any actions taken to address the violations committed by Wells Fargo Dealer SVCs. 

Please feel free to contact me at ( XXXX ) XXXX or XXXX if you requireany further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Consumer complaint received 2024-07-14
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: AMERICAN EXPRESS COMPANY (KS)

Please remove the following Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : Fraud - Did Not Authorize
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the reporting of a charge-off account on my credit report. This letter serves as a direct dispute in accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines. 

The following account is inaccurately reported on my credit report : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Current Balance : ( Not Reported ) Payment History : ( Not Reported ) Date Opened : XX/XX/year> Date of First Delinquency : ( not reported ) The information reported for this account is incomplete and misleading for the following reasons : The account does not show a current balance, which is required for accurate reporting. 
The payment history is missing, which fails to provide a complete picture of the account status and activity. 
In accordance with Metro 2 compliance standards, all reported accounts must include complete and accurate information. The absence of a balance and payment history violates these standards and results in an inaccurate portrayal of my creditworthiness. 

To support my dispute, I have enclosed copies of the following documents : I previously request that you conduct a thorough investigation and all information came back verified and accurate by your credit bureau I ask that the charge-off account be deleted from my credit report due to incomplete and inaccurate information. 

Please provide a written response regarding the outcome of your investigation. I expect this matter to be resolved within the XXXX period mandated by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (KS)

I have gotten several Unauthorized charges from XXXX on my cash app card. My card has never been used on XXXX. XXXX refuses to remove them and cash app is ignoring my complaints. Cash app is defrauding people by allowing access to peoples card numbers and not responding to their disputes. This must be stopped XXXX is also defrauding people. If I dont have a XXXX account its obvious I didnt make the charge. They wont let you dispute the charge unless you have an account.
Consumer complaint received 2024-08-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: RSI Enterprises, Inc. (AZ)

phone calls before the XXXX date I don't remember. 

XX/XX/year> phone call, asked for original bill with correct information, was told don't have to send you! 

XX/XX/year> phone call, asked for original bill that I signed for, was told they don't have to send me and said they will sue me. 

disputed on XXXX XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>
Consumer complaint received 2024-08-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (IN)

XX/XX/XXXX closed CD Marcus confirmed in email XX/XX/XXXX CD maturity XXXX contacted Marcus 2x XXXX and XXXX reps Hasnt closed yet! 
XXXX Marcus supervisor XXXX admitted Marcus made an error and renewed CD by mistake. Confirmed will be transfer to my bank account on file 3-5 business days NO early withdrawal penalty since Marcus renewed against my XX/XX/XXXX instructions to CLOSE! 
XX/XX/XXXX STILL HAVE NOT RECEIVED MY MONEY. NOT TRANSFERED!
Consumer complaint received 2024-09-08
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. (PR)

This Inquiries are incorrect : XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

I am in receipt of your debit to my account for a dispute of {$25.00} dollars from XXXX XXXX XXXX. This transaction had already been resolved in my favor as of XX/XX/2024. Now overjealous reps would not reopen the dispute even with facts supporting my dispute. I will file a complaint with the Financial Protection Bureau to investigate credit card account management practices. Including how the credit card resolved billing errors and how it refunds cardholders for disputes initiated. I have included some supporting documentation showing that I am exempt from paying parking fees since I am a XXXX Veteran with proof documentation from myself and from the XXXX XXXX XXXX. Additionally, I will report that even though I am a XXXX Veteran you are refusing to honor my claim and violating my rights under the American with XXXX Act. 
As stated, before as well there was a XXXX XXXX at the airport during this day of XX/XX/2024 and the airport was XXXX  and personnel had closed some floors due to the XXXX. I was stuck at the airport as well and I could not get my car out until next day. Customers were waived the fee due to this natural disaster as well for that day and this was not taken into consideration by the people responding to my complaint. Additionally, I would like copies of the response from the merchant emailed to me or sent via regular mail. I would like to know as well how you arrived at your conclusion to deny my claim. Also, on XX/XX/2024 I called disputes department seeking an explanation of why my claim had been denied because I noticed a debit of {$25.00} on my account and spoke to a supervisor XXXX XXXX at XXXX from call center in Ohio and he was disrespectful and rude on the phone. I requested to speak to a supervisor above him and he told me that he would request a call back 24-72 hours and the call back was never received as expected from Discover. He refused to let me speak to a supervisor. Terrible customer service. Maybe you should take some tips from XXXX XXXX credit card where the customer comes first and not the rep handling the call. They provide excellent customer service and my credit card of choice. 
I have provided the reasons and evidence to support my claim and I believe I am not responsible for this charge and I am due a refund of {$25.00}. 
Thank you in advance for your understanding and I you have any questions please let me know.
Consumer complaint received 2024-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC (CO)

XX/XX/year> a new Escrow Audit changed the Escrow amount only, which resulted in a changed total payment amount. Principal and interest payments after XX/XX/year> were timely, however excluded the additional Escrow amount as payer was unaware of the change. The Escrow account maintained a positive balance and no liability was incurred. Mortgage servicer held the timely payments in " suspension '' as " incomplete '' and did not apply any of the payment to XXXX XXXX XXXX, and charged late fees. Subsequent months payments included the additional Escrow amount ; however, mortgage servicer applied a part of subsequent payments to the previous " suspension '' payment in order to complete the previous months total payment, and then held the current payment in " suspension '' as " incomplete '' and did not allocate to XXXX XXXX XXXX and charged late fees. This procedure was not disclosed to the payer as the statements both paper and online showed on-time payments and no change in total amount due, only positive Escrow balance and increasing late fees. This is a deceptive and hidden practice to increase late fees without any loss of payment or incurred escrow liability. 

XXXX XXXX
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (SC)

This debt collector has done inexcusable practices of the FDCPA which it prohibits.They have furnished this account which we have not agreed on and I didn't sign an agreement on. A legal contract is a contract signed by two parties and I did not participate in any of it.They also did not follow the proper 5 step validation procedure. According to the FDCPA, Im entitled to compensation for these violations, they have violated my rights and abused my privileges. Please remove this from my credit report.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2024, called Chase Bank in regards to a follow-up on a fraud case involving gift cards. I explained how I was involved in a fraud case and was coerced to buy XXXX gift cards totaling {$3000.00}. This happened on XX/XX/2024. The person I spoke to stated that they would look into it and the charges were taken off. No one told us that we needed to file a police report. A month later, the charges were back on my card, with no explanation as to why and no letter. So I called Chase Bank and they stated that they investigated and found that I was responsible for the charges. I told them that I wanted to appeal it and they told me that I had to get a police report. Not even a week went by, I got a degrading phone call from the fraud department stating that I was responsible for the charges. I told them I had a police report and that ended my call. The next day, I received a message on my bank app stating that they looked into it and I am still responsible for the charges without looking at the police report. I find this one-sided, disrespectful, and unprofessional. They did not even look at the report. And the degrading call was unacceptable. I feel they made their decision and do not care. I was not given a chance to show all the evidence I had. I do not wish this on anyone. They need to improve on their people skills.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-06
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

This is the third time they have failed to process my payment in a timely manner. Payment was transmitted electronically from my bank nearly two weeks before the due date. This has went beyond aggravating. Im tired of this. I have sent them a message twice concerning this instance. No reply whatsoever. A copy of my banks transmission confirmation has already been submitted to Synchrony.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I recently opened a new account with checks disbursed from an estate account. I was a new customer and never had an account with this bank. I knew there would be a hold to clear the checks. That is where the nightmare began around day XXXX or XXXX I was getting notification that account would be closed if more information wasn't provided. I called in and they were stating they needed to call the personal representative and verify the checks. After multiple attempts the XXXX informed me the got the information the needed and would release the funds. On day XXXX of the hold the funds were made available. A week later I received a notification that my account balance was low, I was confused because I had never used it. I logged on to my account only to find my accounts and money were gone. I went into shock thinking the worst only come to find out after calling in that they said they were not able to verify the funds. Chase never reached out to me or notified me. I had to find out when I logged into my account after receiving a text notification. I provided legal court documents to the Chase legal department showing confirming the personal representative and the estate and they still said they needed to talk to the personal representative. They finally were able to speak to the PR and she verified that the checks were good and the amounts but Chase wanted more info and PR would not disclose personal information. So Chase after receiving verification that the checks were good but since the PR would not disclose SS # Chase still is withholding my money. How can a major financial institution release the funds and a week later take it all back without letting me know. My lawyers have called verifying everything and still Chase does nothing to resolve this. All my years I have had banked with a lot of banks and without a doubt this has been the worst treatment and experience I have ever had. They will not give my checks back so that I can go to another bank. What ever I do they continue to give me the run around.
Consumer complaint received 2024-07-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (MN)

I filed an unemployment benefit through the XXXX XXXX XXXX XXXX I paid for at the onset of terms with a personal loan from One Main Financial. One Main Financial uses XXXX XXXX XXXX, a third party vendor, for the XXXX XXXX XXXX. I began my claim after unvoluntary employment, on XX/XX/XXXX. I have consistently provided ALL INFORMATION AND DOCUMENTATION for this benefit, including all re-employment activity through the State of Minnesota Work Force, all unemployment benefits issued to me and copies of job searches, interviews with companies and all outcomes from said interviews. One Main Financia and the XXXX XXXX XXXX have extremely poor communication. They have lied, misrepresented information and facts and they have reported me late for XXXX, XXXX. The payment from the credit insurance, have not paid as the contract states and have requested the same documents that were sent 4 times. This loan provider has used deceptive practices, lied, and caused me severe emotional distress due to reporting me as " late '' for XXXX. XXXX, thus lowering my credit score which affects my credit worthiness. I have spoken with managers, the credit insurance carrier and their resolution department and was told that they had suspended all actions on my account until this " problem '' with the credit insurance provider was remedied. This was a blatant lie and constitutes fraud, breach of contract, and violates consumer law and the XXXX amendment of " Due Process ''. This continued ordeal has cause severe emotional distress and several medical intervention emergency treatment.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am unable to receive a credit report due to identity theft of fraudulent accounts place on my credit report. I did not not authorize XXXX XXXX XXXX XXXX or XXXXXXXX XXXX to open any lease auto loan or credit I dont have knowledge of these accounts either did I authorize them
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute the following information that appears on my credit reports from XX/XX/XXXX : Collection account from XXXX XXXX  with account # XXXX and a balance of {$XXXX}. 

XXXX reporting agencies have it as open and XXXX has it as closed. Also, with different dollar amounts. This is inaccurate I want all XXXX bureaus to verify these accounts! 

Next, XXXX account with account # XXXX opened on XX/XX/XXXX with a balance of {$XXXX}. This account was transferred to a debt collector and is still reporting monthly. This is inaccurate Finally, XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$XXXX} or delete the negative payment status on this account.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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 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
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Too many incidences to count but typically, as soon as i get paid biweekly, on XXXX, first thing i do is pay bills like my phone bill. i pay. the money gets withdrawn immediately. i know how much i have left over. i spend a little on the weekend. my account gets low. 
then on XXXX, i get hit with multiple overdraft fees ( always {$35.00} ) for a bill that i paid on my payday XXXX, that Wells Fargo paid on the same Friday like my phone bill. happened all the time. been to the bank and they reimbursed me once. Been a client since XXXX. plus there were random little withdrawals they couldnt explain. usually in the range of {$50.00} - {$60.00} dollars every month. 

They did this to me for almost 8 years, from XXXX - XXXX until i decided to transfer my direct deposit to another bank because my account with them went into the negative even after multiple instances of showing screenshots that they paid a bill and i still had plenty of money left ; they refused to anything about it.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (OH)

I communicated with the company of issues of making payment of mortgage also placed the mortgage under forbearance to stop and unauthorized reporting on my credit.

I also paid my mortgage up to date once paid i became aware of late payments being applied I requested removal of these inconveniences but to no avail.