davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo, I have a permanent address in the XXXX but live in XXXX. I'm a XXXX citizen. In XXXX I got an XXXX XXXX card through my Wells Fargo account which I use solely for XXXX rides and purchases. I got this card because it offered points and did not charge foreign conversion or transaction fees. In XXXX of XXXX Wells Fargo contacted me saying they were changing the card from XXXX XXXX to a Wells Fargo Active Cash Visa. I searched for documentation of changes to the terms of the account on my online banking account. There was nothing. Just a button asking to accept or decline the new card. I searched several times in all part of the online banking information for information on any changes to the terms of the account. Nothing. So I assumed that since I had not received any information about the changes.That the terms would be the same. The card converted to the new card automatically. On XX/XX/XXXX I opened my account to pay the monthly total and found foreign conversion fees for every transaction I had made since the card moved from XXXX to XXXX. I called Wells Fargo immediately and demanded the fees be removed and expressed my sincere feelings that Wells Fargo had violated the law and my rights by not informing me of the changes or making the information easily available. They reversed several fees but were unable to reverse all or close the account because there were two pending fees. The reversals have not appeared on my account and they said it would take up to ten days to complete all the transaction fixes. I am filing this complaint because I know that Wells Fargo violated my rights and the law in this case. Even though it's a not easy to open a new bank account in the XXXX from XXXX, I had already considered that due to the recent news about Wells Fargo discriminating against XXXX families in mortgage offerings. When is something going to be done about all of this other than a paltry fine which a bank worth billions can easily pay? I was only out about {$10.00} in fees, but multiply that by the number of other costumers Wells Fargo is scamming and you quickly arrive at an enormous amount of money. And one XXXX of fraud is as bad as {>= $1,000,000} in my view. Thanks.
Consumer complaint received 2024-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Denefits LLC (WA)

My bankruptcy began in XX/XX/XXXX and was finalized XX/XX/XXXX. My lawyer has sent two letter to the company, and I have told at least 5 of their reps that have called and text me that I filed bankruptcy. The company did not hop on the call to dispute the write off, and then today, XX/XX/XXXX they somehow managed to pull funds from my bank account.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (IL)

According to 15 US code 1666b timing of payments, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to insure each periodic statement including the information required by section1637 ( b ) on this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-12-09
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. (CA)

XXXX back in sent me a pre approved credit card.I was excited trying to build credit. But, I never used it. So XXXX closes the account which tarnishes my credit for 10 years. They are purchased or doing their business with a new bank and upon pulling my credit scores this is when I noticed that XXXX claims that after they closed my account they issued me two new cards. Neither of which I ever received neither have I activated and neither have I used. After some time passes I notices they closed these accounts two leaving two more checks on my credit. So in total I have had three accounts and all three closed for not using the card. The first card arrived and when I phoned to talk about it nobody told me at XXXX if you dont use it we will close your account and report you to all three credit bureaus. Well not just closed once but three times. I never asked for any card to be sent. I dont feel I should have to be sitting with three closed XXXX cards that make my credit scores lower it makes me look like I am a credit risk and all because I never asked for them the first acct # XXXX XXXX yr XXXX mo closed for non use card # XXXX # XXXX XXXX yrs and 6 month card # XXXX # XXXX XXXX yrs 7 months. I have only ever been sent the first card I dont know what the other two are. I would like them to be removed and not tarnish my credit for 10 years. I have never owed any money to XXXX. And not using their card or three should not be a punishment.
Consumer complaint received 2024-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2017-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (GU)

I, XXXX XXXX, the petitioner and requester Under the FOIA and request my financial disclosure file, uner the privacy Act to petition to release my financial transaction statement with the Credit Card at XXXX XXXX XXXX in XXXX DE to provide my own disclosure transaction file record with the Credit Card at XXXX XXXX XXXX and the rights to petition to release the secret record file with XX/XX/XXXXfile number ( XXXX ) Dated XX/XX/XXXX.that I filed online with American Express Bank to transfer the money in to my XXXX XXXX XXXX here on XXXX but not credit until today. The letter, I sent to the XXXX XXXX XXXX in XXXX DE for reconsideration including my credit score from XX/XX/XXXX, and contact Attorney XXXX XXXX with his phone number, regarding the transferring the financial transaction record I expect to credit it in to my account at XXXX XXXX XXXX and transfer the financial transaction statement or my transaction disclosure financial statement file with the American Express in XXXX XXXX XXXX UT. 
The file number XXXX from XXXX not showing the address, and phone number for XXXX XXXX XXXX only the date requested XX/XX/XXXX. same as American Express Bank in XXXX XXXX XXXX UT. only showing the date requested XX/XX/XXXX. The report from XXXX about American Express XXXX in XXXX, TX Dated same as the date XX/XX/XXXX with American Express in XXXX XXXX XXXX UT. When I called the American Express in XXXX the American Express did n't have any record for me. This inquiry impact my credit score according to the report file with XXXX. These report on the 3 credit Bereu XXXX, XXXX, XXXX, and including the American Express, were incorrect report. Finally, I discovered, these companies are doctrine illegal method to covered up the truth of our credit score file and doctrine illegal method to impact our credit score and delayed the processing of my credit card issue with American Express Bank in XXXX XXXX XXXX UT. and I just received letter from XXXX for Fraud Alert which I did not request and will expire on XX/XX/XXXX and all these companies sent me research from and they made inaccurate report so I can request the research form to delayed the issue of my credit card with American Express. The time, I report with CFPB when the XXXX  employee called us and I gave her everything my wife 's personal information over the phone. I also request the CFPB to inform the American Express in XXXX XXXX XXXX. I sent the important disclosure file code number wrongly on my file address from Vice President XXXX from American Express to either one of the 3 major credit bereu above last Friday supposed to send back to American Express, and the expire Date will be XX/XX/XXXX.
Consumer complaint received 2024-06-29
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: Continental Finance Company, LLC (MD)

I am writing in response to their recent decision made on XX/XX/year> to deny my request for the removal of the " charge-off '' status and other negative remarks from my account which I requested on XX/XX/year>. I strongly disagree with their decision and am formally demanding a redetermination based on several legal grounds. 

Firstly, under 15 U.S. Code 1692g - Validation of debts, only the original creditor has the authority to validate debts. As the original creditor, I assert that I do not validate these debts or accounts. Their attempt to present themselves as the original creditor is misleading. My signature and Social Security Number on the application signify that I am the one who granted value, thus making me the original creditor. Therefore, any claim of debt by their company is invalid and must be removed from my account records. 

Additionally, I wish to highlight that their company is in violation of 15 U.S. Code 1601, which outlines the necessity for transparency and fairness in credit transactions. Their failure to comply with these regulations is unacceptable. Moreover, under 15 U.S. Code 1681n, which pertains to civil liability for willful noncompliance, their company 's actions have caused significant harm to my credit standing.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (GA)

This account was fraudulently opened in my name using my personal information as well as changing personal information of mine. I never opened this account and was not aware of this account until obtained a credit report. Ive emailed all attached documents to all 3 credit bureaus as well as mailed a copy to your company
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (TX)

I recently reviewed my credit report and I noticed an account that was not reported accurately. I had a late payment that was reported late with acima when in fact it was on time. The consumer reporting agency XXXX need to report all information with complete accuracy. This account have not been late on payments. Im now requesting you investigate this account and update this payment made on time immediately. Thank you for your understanding and prompt action. I was told by the supervisor of this company that the late payment was made by mistake and should have been updated to on time.
Consumer complaint received 2024-06-29
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: Continental Finance Company, LLC (VA)

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 XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

THE FOLLOWING ACCOUNTS ARE AN ERROR XXXX, XXXX MISSING INFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA 623 VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.S : 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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

I have requested that Chime Bank close my checking account, because it was compromised by a hacker, who has constantly changed the email address and phone number to the account and has stolen my funds and made bogus purchases with merchants. The bank has granted by request XX/XX/XXXX and the hacker had it re-opened on XX/XX/XXXX and I immediately reported it. On XX/XX/XXXX, I requested again to close the account and the agent told me I had to wait five business days for it to take place, but has not been done. On XX/XX/XXXX, I made the request again and I have to wait for twenty-four hours for them to get back to me, which they haven't done yet. This bank has been giving me the run-around, since the fradulent activities started on XX/XX/XXXX and I want to distance myself from Chime, because their security protocols XXXX, even though I have been telling them how the hacker has been breaking their security protocols, but nothing has been done about it on their end. I am very disappointed in Chime and I have been their customer since the year XXXX and this is how they treated me.
Consumer complaint received 2017-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANCO POPULAR DE PUERTO RICO (PR)

I have a credit card under my name and there has been purchases made in New York and other states for the amount of {$31.00}. I called the company to file a complaint and canceled my card. I was told that I will receive a new card shortly and that they would open an investigation. Today I entered my account and found that other transactions are still being made. East bay for the amount of me {$210.00}, XXXX XXXX XXXX amount {$13.00}, XXXX XXXX XXXX {$13.00} these transactions were placed on XXXX XXXX, XXXX. On XXXX XXXX, XXXX another transaction took place for the amount of dream chasers for the {$150.00}. Transaction on XXXX XXXX, XXXX for the amount of {$31.00} in XXXX XXXX in newyork. I believe I am a victim of identity theft because I reside in XXXX XXXX and all these transactions took place in the united States. And I havent authorized these purchases.
Consumer complaint received 2024-05-24
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. (NJ)

I would like to dispute off the following inaccurate accounts from my credit report. 


Equifax 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 2017-10-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (PR)

On XXXX XXXX, XXXX XXXX XXXX was hit by hurricane XXXX. The entire island was declared a major disaster area by FEMA. On XXXX XXXX, I followed the instructions on the XXXX website to request disaster forbearance. The instructions said to send an email with information about the disaster and how your work or home were affected. I did that. I received an email from XXXX acknowledging they received my message. I received no reply so on XXXX XXXX, I emailed XXXX again asking about the status of my forbearance request. I received no reply. I also got an email from XXXX acknowledging receipt of my email on XXXX XXXX. On XXXX XXXX, I contacted XXXX through their chat system. The representative I spoke to said that they never received a disaster forbearance request for my account even though I had sent two emails to that effect. I put the request through again over the chat. Allegedly, it will take 7 to 10 business days even though at this point my payment is due in 2 days. XXXX is not addressing disaster forbearance requests for XXXX XXXX after hurricane XXXX. This is unconscionable.
Consumer complaint received 2024-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (NH)

I feel as if I have fallen victim of predatory lending practice. On XX/XX/year>2024 I applied for financing with west lake financial. At the time I was in need of vehicle to help with transportation. I was young and did not even understand the concept of interest. I find a dealership in XXXX CA that was willing to finance me. At the time I was working at XXXX making only XXXX an hour. I explained to the dealer my situation and truly believe they saw an opportunity to take advantage of me. I was given a high APR rate of 27.9 % it has been nearly 5 years and am certain I have paid over {$20000.00} in interest for a car that was only worth {$12000.00}. The lender knew I was unable to afford the payment, due to the inconsistent amount of money I was earning at XXXX but still placed me in loan. I have since regretted that decision and have become a victim of predatory lending. I feel that I am held XXXX at this point and am unsure of what to do. I have tried negotiating with them. They refuse to assist me in anyway. I am past due a month behind and they are threatening to repo my car. I don't know what to do at this point and going after a large corporation just seems impossible.
Consumer complaint received 2024-06-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (CT)

I had an account with XXXX that went unpaid and into collections On XX/XX/year> i reached out to the collection agency ( XXXX XXXX  ) and settled on a payment and was told the debt was paid. Ever since i have been fighting with the credit bureaus to get it removed but have had no luck. So i called XXXX directly and was transferred a million times and sent over to a collections agency ( credit control ) not related to the one i initially paid and they had no record of payment and were trying to collect the same amount. I am not going to pay another collection when i already paid it.
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

I was contacted via XXXX with an invitation to take part in a XXXX investment scheme. I thought I recognized one of the names on the list of advisors in the investment group. The group had over XXXX members some of whom shared their screens show profits for the days trading.\nFirst I invested in cyber currency form my Coinbase account. My coach XXXX guided me through the process of the transfer. That investment very quickly gleaned a profit on the first trade. I was asked to invest more capital, which I did. There was some complications in making the transfers via XXXX which failed. The only way I was able to invest funds was by wire transfer to Coinbase. Then transfer to XXXX 

During this time I was invited to trade on the XXXX cyber currency trading platform. Each time coach XXXX guided me every step of the way using XXXX to send screen grabs back and forth. I would send XXXX a screen grab from my screen he would mark up the image indicating what information to put in or link to click and send the image back to me. 

I was asked to invest more so that I could get onto a higher level of trading. I did invest 2 times, each via wire transfer to Coinbase then on to XXXX 

I told XXXX that I would invest more but before doing so I wanted to run a test of withdrawing money from the account. XXXX agreed to coach me through that process. Which he did. We took back {$100.00} to my Coinbase account. During the process I purposely made a typing error adding an extra XXXX to the XXXX making the sum {$1100.00}. I was corrected by coach XXXX. 

I called Coinbase tech support to coach me through transferring back to my bank account. Which I did and the money cleared. 

Later when I tried to make a withdrawal and got a Insufficient Funds response. Yet my account has $ XXXX showing
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-06-27
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. (IL)

I kindly request that you block and delete this information from my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )