davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

The dates are through out the last ten years or so. It has been numerous occasions that Wells Fargo has charged me overdraft fees multiple times over in same day. There has been multiple events of the bank letting different transactions go through and put my account severely in the negative and continue to charge me overdraft fees for each event over and over.
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (VA)

I opened an account with Square which is a popular payment processing company for small businesses. I had recently started a small sole proprietorship web development company and sent an invoice to my first client through stripe. The client then paid the invoice totaling XXXX XXXX I was told that my accounts transactions were on hold until I provided further information. I then provided every piece of information I possibly could about my business and submitted it to Square. They then a few hours later decided to deactivate my account and did not describe any reason for why the action was taken. I tried to get in contact with a support representative and the AI chat bot simply said that there was no further action I could take on the matter. The funds that my client had sent me are now apparently on hold for 90 days. I have requested a refund so that my client can have their money returned and I am still awaiting an answer as to wether or not that refund will be issued. There was nothing in the initial sign up for the service that claimed this could happen to me upon creating my first invoice. I feel like I have been robbed and this is very detrimental to my business as now I look like a fraud to my customer for not being able to accept their payment. All I want are answers as to why my account was deactivated and Square seems to have no such answer.
Consumer complaint received 2023-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

XX/XX/23 Westlake Portfolio contacted me twice ( between XXXX and XXXX est ) in reference to being 7 days delinquent. I advised that my payments were deducted semi-monthly, with the most recent being XX/XX/23 and upcoming for XX/XX/23. The rep stated something inaudible, communication was done. Later, closer to XXXX EST, another rep called in reference to the same thing. I requested a manager because Ive had the same call earlier and its a violation of the FDCPA. I was rebuttled, but still wanted to speak with a manager. The rep proceeded to try to collect. Then he stated all managers were busy.
Consumer complaint received 2023-12-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (TX)

On XX/XX/23 I got an email regarding a loan application I didnt apply for. I contacted the company and they will not provide me any information on who applied for this loan. They have a bank account on file ( XXXX XXXX XXXX XXXX XXXX  ) which is not my bank. I want the routing and account number so I can find out who applied for this loan and press charges against that person.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

Today XX/XX/2023 I attempted checking my savings account through online banking and needed to be authenticated. I just recently opened the account on XX/XX/2023 by online in which I was referred to open by a bank representative telling me that it would be a faster process. So I went according to her advice and opened an account which allowed me open a savings account automatically. I then on the same day deposited {$8400.00} to the bank Teller at the bank branch XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX. I was told that my account was accessible and that I would have to wait 7-10 business days to get my card. Unfortunately today XX/XX/2023 as I attempted to find out how to access my online bank account I was referred to the fraud department. The fraud department informed me that my account will be closing and that I have to wait 30-60 days to recover my money. I went to the branch and I spoke to a manager. The manager inform me that when speaking to the fraud department there is nothing they can do on their end to expedite me receiving my funds and that the fraud department is the only ones authorized to release my funds. Today as a consumer I was neglected by Citi Bank not giving me proper protocol and information concerning why they closed my account, also if whether I will be able to properly retrieve all exact funds back. I am writing this report to bring a paper trail of this attempt to retrieve my funds.
Consumer complaint received 2023-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC (CA)

I have been paying for this loan since XXXX I started at a certain amount and 4 years almost 5 yrs later im still having the same amount due for this loan. even on months im not late this company is reporting to the credit bureaus of me being late. I recently had the car repossessed during my stay in the Intensive care unit. I expressed that to them and they still disregarded that during XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i expressed that to them and still was demanding me to pay and threatening to put the bad marks on my credit and take possession of the vehicle. I should almost be done with paying the car but now it says 80 month contract i don't remember signing a 80 month contract with this company. I asked for a contract that i signed and have not had that produced to me. this company has ruined my credit with late payments even after i voiced to them and sent in documents showing i am late because i am in the XXXX XXXX XXXX XXXX. Each representative questioned and harassed me about payments when my health was not in a good condition to even work for money. I was even asked to ask friends and family for the money or get your car taken.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

About the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Below is the list of the fraudulent items I found on my Credit report and I need you to have these items removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please comply with the Fair Credit reporting Act section 605b, and have the disputed items removed from my Credit File as soon as possible.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In Accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX  XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

this company has engaged in abusive and unfair practices of the fcra. i recently sent in dispute letters asking for several account to be verified or removed from my credit report i also asked to mailed a copy of any evidence proving the company has a right to report these things. I still have yet to receive proof. I do not except liability of the below account and request the be removed. Since there has been no proper debt validation done. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None none of the above agencies have sent me any type of verification or has the 3 reporting bureaus
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MO)

XX/XX/2023 : -unauthorized ATM withdrawal of {$490.00} ( XXXX euro ) -foreign exchange rate adjustment fee of {$14.00} -non-Chase ATM fee of {$5.00} XX/XX/2023 : -unauthorized ATM withdrawal of {$490.00} ( XXXX euro ) -foreign exchange rate adjustment fee of {$14.00} -non-Chase ATM fee of {$5.00} XX/XX/2023 : -unauthorized card use at " XXXX XXXX supplements XXXX '' for {$3.00} I visited a Chase Bank branch three times to dispute the charges, check up on the disputed charges, then change my PIN once I was told the charges " were authorized by using the PIN associated with the card '' so the claims were denied When I logged into my Chase mobile app, I found that my mailing address, phone number, and email address had been changed. I removed the unwanted device from my account and changed my information back to the correct info.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

Subject : Request for Correction of Inaccurate Reporting and Revocation of Consent to Share Information To Whom It May Concern, I am writing to address critical concerns regarding the reporting practices and contractual obligations between myself and Carhop Finance, specifically in relation to the sharing of confidential information and the acknowledgement of the termination of a security interest. 

On XX/XX/2023, I formally notified Carhop Finance, pursuant to 15 USC 6801-6805 and 16 CFR 313, revoking all consent for the disclosure of any transaction history between myself and Carhop to XXXX, XXXX, XXXX, acknowledging my rights to privacy in this financial relationship as supported by the Federal Trade Commission XXXX 

I am aware that the information shared by Carhop Finance violates these regulations, as they are reporting prohibited details, notably a " charge off, '' which, according to IRS publication 4681, pertains to income and is not to be included in credit history. This misreporting has the potential to significantly impact my financial standing and credibility unfairly. 

Moreover, Carhop 's privacy policies only mention affiliations with " financial companies such as auto dealers with a CarHop name '' and " companies with a Universal Acceptance Corporation or CarHop Finance name '' as authorized third parties for information sharing. However, the reported disclosure extends beyond these stated affiliations, violating the outlined policies.

Additionally, my notice of revocation also included the termination of all granted security interests on pages 1 and 3 of 8 of the " retail installment contract. '' To date, I have not received any acknowledgement of this termination of security interest, nor have I been reimbursed for funds paid out of pocket, despite the note having already been paid to the order of Carhop. 

This inaccurate reporting and lack of acknowledgment regarding the termination of security interest not only compromises the accuracy of my financial records but also has the potential to cause irreversible harm to my status as a surety or beneficial title holder in private. 

I am requesting an immediate correction of the reported inaccuracies and a prompt acknowledgment of the termination of the security interest, along with reimbursement for any payments made toward the note. This will rectify the erroneous information and prevent any further potential damage to my financial profile. 

I appreciate your urgent attention to this matter and expect a prompt resolution in accordance with the established regulations and contractual obligations.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

we got notification that we needed to change our address to a physical address. My wife contacted them about it and the person said they have our so we were good to go. About a week ago they closed out our account. Every since then we have gone into the Well Fargo branch by us and signed everything they wanted. We were told today that it was going to be another couple more days before they can do anything. We can not open another account or access the account at all. We are XXXX  and all our online banking is stopped. i don't know what will happen to or retirement payments because they are done on line. We can not pay bills and they keep putting us off. During all of the last few days their people we have talked to on the phone give us different stories. the account was first opened in 1970 With XXXX XXXX XXXX  XXXX Nevada they sold to XXXX XXXX XXXX  that sold to Well Fargo.
Consumer complaint received 2023-04-21
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Long story short, I deposited a cashier 's check for {$10000.00} into my 5/3rd checking account, which did have existing funds deposited and available prior to this deposit, on XX/XX/2023. I did so in person at the local branch and was told by the cashier that the funds would be available the next day. That should have been the first red flag because I've never heard of a hold being placed on a cashier 's check from a major national bank, but as a consumer you tend to believe what the bank agents tell you. Today is XX/XX/2023 and the funds are still not available to me, despite the fact I was specifically told, in writing ( boom ), that they would be available on this date in the morning by the bank 's representative. More so, the customer service, if you can call it that, has issued many reasons for there being a hold on the deposit, all which I have in writing and can't wait to submit. These include, " it's for my own protection to avoid overdraft fees '', " unable to verify the fund 's availability in the initial processing with the check issuer 's bank ''. I'd like to point out again that it is a cashier 's check from XXXX XXXX so the check issuer and the check issuer 's bank are one in the same. They even went as far to suggest that the check could be a fraud and the funds again have to be verified, hence the hold. When I asked why they couldn't simply call XXXX XXXX  since they have the check number, date issued, amount, and payees, they told me " customer service can not make phone calls ''. 

I'm just going to attach a bunch of screenshots that show everything in writing and prove that this was gross misconduct on behalf of 5/3rd bank.
Consumer complaint received 2023-12-12
Product: Credit card — Store credit 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: CITIBANK, N.A. (FL)

Citi bank Best Buy credit card. They sent me a letter we could not find any morgage. I did not say morgage. 


Requesting the following : Send me a bill with a human signature on it. I also need to see the two party contract supporting that bill. I need to see a lawful two party contract supporting that bill.I signed your last bill accepted for value which means I give you permission to bill my XXXX account cestique act trust of 1666. 

Banks can not loan money per book of the federal reserve called money modern mechanics of the XXXX federal reserve. They take my signature and exchange them for credits. Book keeping entries. The bank is not allowed to loan other clients money. The bank never told me that they never had funds to lend me. I can charge the bank with securities fraud. You take all these promises to pay and sell them on XXXX XXXX as securities. This is very funny. If I do this I would be jailed. I am requesting for your bar card attorney for XXXX XXXXXXXX XXXX  to take them to the federal court house in XXXX XXXX XXXX to get sued for fraud. I am not a XXXX XXXX who has no rights at all XXXX laws dictionary definition uncompendent XXXX. I am a American state national. This is your last chance before I expose your crimes to the entire world. Also XXXX XXXX coming and global reset.
Consumer complaint received 2023-12-12
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: Incomm Holdings Inc. (CA)

I contacted Visa VanillaGift.com and XXXX XXXX customer service on XX/XX/2023 regarding an issue with the full 16 digit card number not fully displayed on a {$100.00} gift card I received as a gift for my birthday, and I could not activate the card because the card had been tampered with. I was unsuccessful reaching a resolution with Visa Vanillagift.com or XXXX XXXX because I was told there was nothing that could be done if I was not the original purchaser of the card.
Consumer complaint received 2023-08-26
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)

Subject : Formal Dispute for Removal of Bankruptcy Entry To Whom It May Concern, I am writing to formally dispute the presence of a bankruptcy entry on my credit report, which I believe is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations. The inclusion of this bankruptcy entry is adversely impacting my credit profile and overall financial standing, and I am hereby requesting its immediate removal. It is important to note that I have previously disputed this entry, and your company claimed its verification through XXXX. However, I have not authorized XXXX to access my information as a consumer. Additionally, I have confirmed with the clerk of the court that they do not report any information to credit bureaus, rendering the account 's validity unverified. 

In accordance with 15 U.S.C. 1681 et seq., I am exercising my right to dispute this entry based on multiple violations, including Permissible Purpose, Right to Privacy, and the provision of a comprehensive Investigative Consumer Report. Specifically, I firmly believe that the reporting of this bankruptcy entry constitutes infringements of 15 U.S.C. 1681a ( 2 ), ( 4 ), 15 U.S.C. 1681 ( a ), ( e ), and ( d ). 

I have furnished substantial evidence demonstrating that neither the Courts nor PACER ( XXXX XXXX XXXX XXXX XXXX XXXX ) supply information to any credit agencies whatsoever. Consequently, the validation of this bankruptcy entry was never fulfilled as mandated by law. If you contend that this entry has indeed been validated, I insist that you furnish the investigative report to substantiate your assertion. In the absence of such documentation, I am prepared to pursue damages for violations at a rate of {$1000.00} per violation, in accordance with the FCRA. 

Given the evident violations and the absence of validation, I hereby demand the immediate removal of the contested bankruptcy entry from my credit report. This action is imperative to rectify the inaccuracies in my credit profile and restore the integrity of my financial reputation. 

I am confident in the validity of the aforementioned violations, and I kindly urge you to expeditiously eliminate the disputed bankruptcy entry from my credit report. Furthermore, I anticipate your timely response and resolution, aligning with the stipulations of the FCRA regulations. 

Please be advised that I am well-versed in my rights and remedies as dictated by the FCRA. Should these infractions persist, I am fully prepared to take appropriate legal measures to address the situation. I anticipate a swift response within the 30-day timeframe stipulated by FCRA guidelines XXXX 

Thank you for your immediate attention to this matter. I trust in your commitment to conducting a thorough investigation and taking prompt measures to rectify this issue. 

Sincerely, XXXX XXXX