davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

Computer crashed with message from " supposedly '' XXXX XXXX to call & get on-line assistance to unlock computer. Everything looked very professional & I did not question it. My on-line banking account was hacked into and approximately {$160000.00} was scammed out and Wells Fargo claims whole thing was my fault & will not replace any of my funds with covered insurance protection.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
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: Experian Information Solutions Inc. (SC)

Experian has 3 credit cards companies on my consumer report without my written consent and the transactions between consumer and persons making the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violating 15 USC 1681 ( a ) ( d ) ( 2 ) ( 1 ) exclusions- report containing information solely as to transactions or experiences between the consumer and the person making the report. Violating 15 USC 1681 b ( 2 ) - permissible purpose of consumer reports ; in accordance with the written instructions of the consumer to whom it relates. Also because of these violations I was denied a home loan and 2 other credit cards because they pulled my Experian credit report.
Consumer complaint received 2023-12-27
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: AMERICAN EXPRESS COMPANY (CT)

XX/XX/2023, is the date I put {$50.00} on an AMEX prepaid card. I attempted to use this card on a number of online businesses that I was advised to utilize by the internet and customer support. I am verydisappointed with the information I received because I was unable to use it for anything. I've tried a lot of websites, including XXXX XXXX and XXXX, but all I get is " cardinvalid. '' WhenI called assistance a second time, I was informed that, contrary to what was stated in the fine print, I was not allowed to use the card for online purchases.
Consumer complaint received 2023-12-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

Week of XX/XX/XXXX I called and requested an itemized list of what they were claiming I owed. XX/XX/XXXX they mail a letter and an invoice from the original medical provider. The letter stated I owed {$41.00} but the invoice attached read as {$0.00} owed. When I called to ask again about the lack of consistency I am told that I owe {$370.00} but when I asked about the letter and invoice they tell me they don't know how the debt value was determined. When I try to ask why when I asked for an itemized of all my debts they think I owe the representative tells me that they did send me an itemized list ( referring to the letter and invoice with inconsistent outstanding balances ). The representative refused to discuss the information problem and would only discuss my payment options.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX  we visited the Wells Fargo location in XXXX, XXXX  located at the intersection of XXXX XXXX and XXXX XXXX XXXX at approximately XXXX XXXX. The physical address is XXXX XXXX XXXX XXXX XXXX  XXXX. The reason for this visit to the bank was to simply deposit a check into my Wells Fargo checking account. The check was for the amount of {$700.00} and was issued by Wells Fargo. As the account holder, I simply requested that my check be deposited into my checking account. Unfortunately, while being assisted by an associate who identified herself as XXXX XXXX on a post it note we were discriminated against and unfairly racially profiled. We were forced to wait in the drive through for over 45 minutes as the teller advised that she was verifying the check. This is far from the standard policy as we had just witnessed a check written by the same company deposited in less than 10 minutes. When asked what the issue was we were told multiple times that they were getting approval for the check that was written/issued by their institution. I advised them that I would be filing a formal complaint and asking for an investigation into the policies, procedures, and existing practices at this Wells Fargo location where it is evident that they discriminate against members based on race. I am an XXXX XXXX XXXX and I would like a thorough investigation into this matter and the staff and management present during this shift.
Consumer complaint received 2024-03-25
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)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION (WV)

Truist Bank allowed a completely and obvious fraudulent check to take {$2400.00} from my checking account. No checks were ever issued on this account. 
Since it took over 30 days for me to report the bogus check, the bank stated that I'm responsible for the missing funds. The bank should of never allowed such a check to clear. Computer generated check with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the face of the check. Check made out to a XXXX XXXX XXXX XXXX signed on the back. 
No one should of cleared that check... total incompetence and negligence.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TN)

I received a notification on XXXX Credit Bureau of a collection account : Credit Management LP located in XXXX, TX regarding to a bill from XXXX XXXX XXXX of an address I've never lived nor known anyone else lived at. 

I'm reporting Identity theft/fraud. The account isn't mine and I've tried getting proof from the collection agency and they haven't provided. I've contacted XXXX XXXX XXXX Fraud Department and nobody has returned my calls.

I'm currently XXXX XXXX XXXX XXXX  at the moment and live out of state. I will be returning to the area next month to file a police report.
Consumer complaint received 2024-01-31
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. (NC)

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 XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

-Received collection notice on XX/XX/XXXX2023 for {$4000.00} -Debt is connected to a PayPal account that was opened fraudulently in my name -Contacted PayPal on XX/XX/XXXX23 who opened a case and put hold on account. PayPal claimed they would contact me back within 72 hours and have yet to do so -Contacted XXXX XXXX XXXX ( debt collector ) who returned debt back to PayPal XXXX 
-Filed police report with local Police Department on XX/XX/XXXX23 -Contacted PayPal on XX/XX/XXXX23 who refused to share information on who at PayPal was handing the fraud case, and turned me towards local police department for investigation. 
Contacted local police department on XX/XX/XXXX23 who said they would not investigate and no ability to contact PayPal PayPal allowed someone to open an account in my name without checking my identity or credit. PayPal then allowed banking transactions to flow in and out of the account and will not provide any detail to investigate or allow me to access their investigation teams to resolve.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WI)

I have been dealing with this for 5-6 months. According to the law the company has 30 days to validate the debt. The companies time to validate the debt has long expired and I am uncertain to why it has been allowed to go this far along. The company CAN NOT validate charges, dates, merchants, pricing, etc from XXXX to XXXX of 2023, as they CAN NOT view or access the account for that time frame. Because the company, nor myself can access/view this time frame, the debt CAN NOT be validated and the account should have a {$0.00} balance due to the company negligence. I am not taking anything else for an answer or response. It is the LAW.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I'm writing to express my formal dissatisfaction with the management of my recent funds transfer from my external account to my capital one bank account. I believe that the bank 's actions in this situation are not only improper, but may possibly be in breach of banking regulations. 
On XX/XX/, I initiated a money transfer with the reference number XXXX from my external account ( XXXX  XXXX XXXX ) to my capital one account. The monies were swiftly debited from my external account, and I anticipated that they will be available in my capital one account within a fair duration. 
When I checked my capital one account, I realized that the transferred monies were being held without reasonable explanation after giving me a fishy notice. Because I rely on the rapid availability of transferred funds for important expenses, this scenario has caused undue financial hardship and discomfort. 
I read the terms and conditions of my capital one account agreement and can not see any acceptable basis for the excessive delay in transferring the monies. I'm worried that this delay would not only cost me money, but will also violate banking standards on the timely availability of funds. 
I respectfully request that you investigate this situation as soon as possible and provide a clear explanation for the hold on my transferred monies. Furthermore, I request that the cash be released immediately into my Capital One account, as the delay is causing me problems. If you have any specific concerns or reasons for the hold, please explain them in writing, along with any supporting documents. I anticipate a comprehensive and speedy resolution to this situation, since any longer delay may entail legal action to safeguard my customer rights. 
Please acknowledge receipt of this complaint within three business days and provide a timetable for resolution. I appreciate your attention to this situation and I anticipate a prompt and equitable resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TransferWise Ltd (NY)

On XX/XX/ Wise had closed my business account which has over XXXX XXXX without any notice due to unspecified reasons. As a customer, i deserve to know why my account is closed. This has caused a significant damage to my small business as i have over XXXX XXXX locked in in Wise account. I am small XXXX seller, I primarily sell on XXXX XXXX and receive regular deposits from XXXX in my Wise account and pay to my XXXX shipping partner and vendor. I have already filed an appeal but Wise is not answering to emails. As a small business, this event has paralyzed my business. My Wise account details are as follows : Business Name - XXXX XXXX XXXXXXXX Registered Email - XXXX XXXX
Consumer complaint received 2023-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXXXXXX  I submitted a payment to Capital One Auto Finance using a personal checking account for a payment due XXXX XXXX. 

I received a phone call today XX/XX/XXXXXXXX  stating that the payment was reversed and the payment is now 32 days late. 

The funds are still sitting in my account. Apparently Capital One failed to submit the payment because the bank where the funds are coming from has no evidence of any withdrawal attempts from Capital One Auto. 

I believe this is intentional.
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX XXXX XXXX IRA funds for my sister XXXX XXXX XXXX Upon XXXX 's death her IRA funds were to be distributed equally between XXXX 's XXXX siblings, one of whom was me, XXXX XXXX XXXX XXXX. I and my husband have worked for months to arrange a transfer of those funds to my XXXX account, but XXXX has repeatedly found excuses to not transfer the funds i.e. keep the funds. XXXX representative XXXX XXXX stated that if we were to open an account at XXXX, the transfer would be easy. This appears to be a crass attempt to keep the funds at XXXX. In desperation we have surrendered and opened an account at XXXX. Mean-spirited way to act, in my humble opinion. Also my other siblings have not been paid either. 
XXXX XXXX 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 2023-12-27
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: AMERICAN EXPRESS COMPANY (GA)

I received a gift card for American Express for {$50.00}. It works no where. In store or online. I have called the number on the card and they just say try it some more or hang up on me. It's very embarrassing. It shows active and {$50.00} available but it will not work anywhere. My mother is out of money for a gift she bought and it can't be used. XXXX XXXX XXXX XXXX XX/XX/32 XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

Noticed my Synchrony Bank XXXX XXXX credit card account was closed without any notice in XXXX. Never missed a payment. I asked why my account was closed and was told it was due to my credit score. I asked where in my contract it stated that, and why I never received notice. Was then told there was nothing that could be done and was not given any further explanation.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

My payment was late one day ( due XX/XX/2023 but paid XX/XX/2023 because I forgot to schedule payment ) which led to a {$29.00} late fee and interest on the balance of {$43.00}. For a one day late payment that is a bit rich but okay I paid and request to have the late fee waived and ultimately get denied. Fine, I thought the issue is over. I see a new interest charge on XX/XX/XXXX due to this late payment which seems wrong so I ask for clarification. They tell me " Now whenever the statement balance is not received in full by the due date you loose 25 days grace period and the interest is billed on the new charges because of which 2nd interest of {$32.00} was billed. '' This is coded in vague language so I check my posted payment history and it is inconsistent with my scheduled payments ( {$1200.00} on their app versus {$1200.00} via email confirmation for payment due XX/XX/2023 ). Something is not right when a credit card company can charge two interest payments for a payment that is one day late ( and a manipulated payment amount that is inconsistent with my payment ). I have screenshots and other points of evidence that I can submit to show this credit card company needs to be reviewed for it's shady business practices.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ASSOCIATED BANC-CORP (IN)

On XX/XX/XXXX I logged into my account and found out that a charge was made for XXXX to XXXX. I did not make this charge. I called the bank and reported fraud and cancelled my card immediately. I was informed that it would take XXXX days to get a replacement card. I was also informed that someone linked my card to their XXXX account on XX/XX/XXXX and made this purchase and they could see that. 

On XX/XX/XXXX I called for an update. I was told there was none and my card was in the mail. XXXX ( the customer service supervisor ) told me they couldnt see anything about the charges and I should have asked the card to be overnighted which was not presented as an option to me on XX/XX/XXXX when I called. He told me to stop calling and they will not be reaching out to me about this. 

I checked my mail later that day and received a letter saying that my address at the bank had been changed and the letter was being sent to my old address. I called back and they said someone changed my address and the debit card I requested was going to that new address in XXXX wisconsin ( not where I live ). They then cancelled that replacement card and said they would send me a new one. I also asked why I was never alerted about the fraud charge as it was suspicious and it overdrew my account. They said to just deal with it. 

I have also tried to dispute this through XXXX directly as it is not on my account and it is fraud. XXXX has asked for the charge id and info from the bank. I requested that from associated bank and they have refused to provide it
Consumer complaint received 2024-04-14
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. (FL)

PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap. Once again per statues above this account needs to be removed asap THIS ACCOUNT DOES BELONG ON MY CREDIT REPORT REMOVE FROM ALL CREDIT REPORTING ASAP
Consumer complaint received 2023-12-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I want to see the records for the amount of times I tried logging in to make my payment for XXXX since you saw I was able to log in successfully in XXXX. XXXX was when I was having issues with the website to make my payment and ended up with a late fee.
Consumer complaint received 2023-12-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

On XXXX XXXX  I got a AMEX pre paid gift card of {$500.00}, Ive tried to use it at XXXX, XXXX, and XXXX  and all of them declined the card or said contact the card issuer. On XX/XX/26 I called the AMEX costumer service and they said my card was blocked, but I never used it on any suspicious websites. I couldnt understand the worker that well and he didnt give a reliable solution. They are keeping my money and its a shame {$500.00} is going to waste. So many other people have struggled from this problem and its crazy how American Express hasnt fixed this problem.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 instructions 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 than 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.