davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

. On XX/XX/year> a person called my phone pretending to be Wells Fargo fraud prevention. The caller ID showed Wells Fargo. They stated a wire transfer had been initiated and I needed to log on to my app and request to reclaim the funds. They instructed me what to enter and asked for me to confirm a code. This happened 3 times over XXXX business days and I was scammed out of over XXXX. 
On XX/XX/year> there were XXXX in person cash withdrawals made in branch in XXXX Va and XXXX in XXXX XXXX Va. totaling XXXX. I received a call from the same person who I believed was Wells Fargo telling me my debit card had been compromised and a new one was on the way. I went into the local Wells Fargo Branch in XXXX N.C. to ask them to destroy my debit card and let them know I had been contacted and the person I spoke with said a new card was on the way. The employee took my card and disposed of it. They never asked me for any information or offered to verify what I was saying. They could have easily prevented the last wire transfer. 
I have banked with Wells Fargo almost 15 years and have NEVER done a wire transfer. It is suspicious I did XXXX in a row and I believe this should have been flagged on their end, especially since most employees at Wells Fargo we have spoken with are aware of this wire fraud. Wells Fargo is targeted because of how easy it is to commit online wire transfers. 
When trying to report this to the Federal Trade Commission, I am asked for an account number and address for receiving bank. I have tried numerous times to get this information from Wells Fargo but they tell me they do not have access to it. I finally spoke with a representative today who said she can see it but cant tell me where it went because they might be liable if something happens. 
This is unacceptable and Wells Fargo is enabling fraud and protecting the criminals instead of protecting their customers
Consumer complaint received 2017-07-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Management Group, Inc. (GA) (TX)

I made a payment of {$50.00} on  XXXX   XXXX  but I saw another transaction leave my account for the same amount on  XXXX   XXXX . I have not made an additional payment. I called about this transaction and they claimed that I made a payment online at  XXXX  EST on the  XXXX . I made no such payment and was asleep at that time. They claimed that I made the payment but that they would refund it to me today. It has not been refunded at this time and it is past business hours which means it should have been refunded by now. I did not make this payment and I am fearful to make future payments to this company because of this occurrence. I do not trust them with my information. It  is Receivable Management Group ( RMG Collection s )
Consumer complaint received 2024-05-20
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. (IL)

I reviewed my consumer reports and I noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with the maximum accuracy. I have never been late on payments for this account that I have included a screenshot inside this complaint in on dates of ( XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that i was never late. Thank! Please see screenshot attached
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX, I went to the PNC bank in XXXX XXXX, XXXX XXXX XXXX at night. I went to deposit XXXX dollars in the ATM machine, the machine swallowed the money and only returned XXXX, leaving XXXX inside the machine. I called and they told me that because it was so late they couldn't do anything. I returned the next day in the morning to make the complaint and they told me that they were going to check the cameras but that it took a long time and in the meantime they would give me credit but if they saw that it was not true I had to pay the XXXX like to the 2 days later I received a credit for {$200.00}, I used it etcI thought everything was already solved. On XX/XX/XXXX, I realized that my account was at XXXX. I went to the bank and they told me that after checking the cameras they had realized that it was not true, to which I said that it couldn't be. They told me that I should decoction the XXXX and that's how it was. I called ATM customer service and the service was very bad, they hung up on me, they told me that they had checked the machine and there was nothing. So I got very angry and they told me that they could open the case again and that the investigation team was going to call me and ask me many things like the color of the car I was in, etc... to this day I'm still waiting and the only thing What the bank says is that it has nothing to do with them!
Consumer complaint received 2024-05-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

I received a gift card with an expiration date 2 months from when I received it. I never got a chance to register or use the card. I called the number on the back and spoke with a customer service rep named XXXX. She said I had to contact the distributor of the card XXXX, not answering when I asked why the number on the back of the card went to her and not this other company. She did not give me a number or connect me with them. Whats the point of customer service if they dont help with issue I was calling about?
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Last friday ( XX/XX/XXXX ) at around XXXX XXXX. cst I arrived at an ATM for Bank of America to make a withdrawal. There was a withdrawal request of {$820.00} made. The ATM dispensed the funds and gave very little time for me to grab the funds as I was occupied checking my mobile account information on my phone. Because the time limit was reached the ATM took back the funds before I could take it from the slot. When looking to re-try making a withdrawal the ATM machine displayed " The Daily withdrawal limit has been reached '' and upon checking the mobile app the balance was short of the attempted withdrawal amount. The cash was never received on my end from the ATM yet the application deducted the amount out from balance. Was told that the funds will be placed back into account by wednesday ( XX/XX/XXXX ) and that has not happened... looked to escalate the issue and the escalation request was denied.
Consumer complaint received 2024-06-07
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. (MN)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2019-06-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

I went to XXXX/XXXX college and graduated. I did this despite barely attending classes and never doing any homework. I was pressured into attending the school by telling me that I would be guaranteed to make XXXX dollars upon graduation and that the program had 100 percent job placement. I was excited, but after one week of classes I realized it was impossible to fail. We were allowed to look up the answers online.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company sold - Date opened XX/XX/XXXX Open/closed Open Status updated XX/XX/XXXX Account type Credit card Status Open. 

Balance {$830.00} Balance updated XXXX XXXX, XXXX Credit limit {$1100.00} Credit usage XXXX XXXX Monthly payment {$70.00} Last Payment Date XX/XX/XXXX Highest balance {$830.00} Terms - Responsibility Individual Your statement - XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCORDING TO THE XXXX XXXX I DID NOT AUTHORIZE THE REPORTING OFFICES ACCOUNTS UNDER 15 USC 1681 C-2 PLEASE BLOCK OR REMOVE THE FILES
Consumer complaint received 2024-05-21
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)

This is my XXXX endeavors to tell the XXXX credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
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: Experian Information Solutions Inc. (LA)

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin XXXX XXXX XXXXg was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more tan seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate modity accounts tat isnt reporting correcuy.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my XXXX  XXXX  15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC (VA)

The information on the back of the card is not valid information to determine if the account has been sold. I've tired the information on the back of the card I still have in my possession but the automated system is not transferring me over to get a live operator. the website is no help either.
Consumer complaint received 2024-05-01
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (CA)

In XX/XX/XXXX i leased a 2016 XXXX XXXX for 3 years, and during these years and all my bills were paid on time, and have received multiple calls from Audi financial in regards to assistance with my then account. I return the vehicle in great condition and 10 thousand miles under the yearly usage limit and Upon the return was not made aware from any Audi service member I would be receiving a additional bill or any other notices, and I did not any receive any letters or calls. Six months later i receive a call from a collections agency stating that a bill of over {$500.00} dollars from Audi claiming damages to the vehicle. Before returning the vehicle I recently moved to another residence, so any notices via mail that Audi sent were not received but Audi made no further effort to contact me although they have my direct phone number and have had no trouble contacting me previously. I believe best practices and efforts to settle whatever account issues were not exercised and now my credit has been severely damaged because of this negligence.
Consumer complaint received 2024-05-20
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. (NY)

Why XXXX is continuing to report information that is not verified in according with FRCA section 609 ( c ) ( 2 ) ( e ) and accuracy of the records of the debt as outlined in FCRA section 623. I can not accept your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. Despite numerous letters and complaints, this fraudulent account still appears on my credit report. Who gave you the authority to determine what constitutes a material fact? You are not a judge or a jury, and you have no right to make such judgments.

This is your final chance to properly process my identity theft request, or I will take legal action to hold you accountable for the damage to my reputation, credit, and the emotional distress this matter has caused me. Your negligence regarding material facts will be glaringly evident, and you will compensate me for your recklessness. 
XXXX XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MO)

On XX/XX/year> a teller at PNC deposited XXXX into my account in error. This deposit consisted of several checks that where incorrectly placed in my account. One of these checks was returned in the amount of XXXX. PNC charged the return check to my account. I called and disputed these transactions, both the deposit of XXXX and the returned check of XXXX. PNC adjusted the deposit of XXXX out of my account. PNC has failed to return the XXXX to my account. 

I have spoken with several representatives. I have been lied to with false promises of having my account credited. I have also been subjected to very rude behavior from the employee that greets you as you walk in.

I have had my account with PNC for 15 years. This error needs to be resolved immediately. I also deserve compensation for the pain and suffering this has caused. Not to mention the hit this has caused to be budget.
Consumer complaint received 2024-07-19
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: WELLS FARGO & COMPANY (TX)

Dear Sir/Madam, I am writing to formally lodge a complaint against Wells Fargo Bank regarding their inadequate handling of a dispute I raised. 

On XXXX XXXX contacted Wells Fargo to dispute a transaction that appeared on my account statement. The details of the disputed transaction are as follows : Dispute Number : XXXX Date Posted : XX/XX/year> Merchant Name : XXXX XXXX  Amount of Transaction : XXXX Card Number : XXXX Status : Call Us Despite providing all necessary documentation and clearly explaining the issue, Wells Fargo has failed to resolve the dispute satisfactorily. Here is a summary of my interactions with Wells Fargo regarding this matter : 1. Initial Contact : On [ date ], I reported the dispute to Wells Fargos customer service and provided all requested information and supporting documents.

2. Follow-Up : Despite multiple follow-up calls and emails on [ specific dates ], I received either inadequate responses or no response at all.

3. Resolution Timeline : According to the banks policy, the dispute should have been resolved within days. However, it has now been days/weeks/months, and the issue remains unresolved.

4. Current Status : As of today, [ date ], I have not received any satisfactory resolution or even an update on the status of my dispute.

The lack of communication and resolution from Wells Fargo has caused me significant stress and inconvenience. I am requesting the CFPBs assistance in resolving this matter promptly and ensuring that Wells Fargo complies with all relevant consumer protection regulations. 

I have attached copies of all relevant correspondence and documentation for your review. Please let me know if you require any additional information. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-06-07
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. (NC)

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.