davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (MI)

I deposited a check by mobile deposit on XX/XX/2024. The check cleared and was deposited to my account the same day. On XX/XX/2024 the funds were reversed out of my account and Chime informed me that the issuing bank refused to honor the check. That same day I reached out to the issuing company and they informed me that the funds WERE removed from their account and as of today XX/XX/2024 the funds still have not been returned to them. They are unable to issue me a new payment until those funds have been returned. Chime also removed the ability for me to mobile deposit checks in the future even though this was not my fault and out of my control. I have reached out by chat, email, DM via XXXX, and still have not been told why the funds were actually taken out of my account. Chime will not provide me with information on where the funds actually are or with the trace ID so the issuing company can track the funds themselves. The issuing bank is willing to investigate and determine where the funds are only if Chime is able to provide documentation that the funds were returned and provide the trace ID for the returned check. Chime essentially stole {$550.00} from me and is refusing to return it or assist me with getting this issue corrected.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2015-05-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Unified Global Group (MI)

All of them best describe this company. Unified Global Group XXXX XXXX. XXXX woman by the name of XXXX and XXXX use threats and insults instead of verifying they are representing a legitimate business. I asked for things in writing they said '' pay your bills. You know what this is. " They never correctly could identify the original creditor. States I owed XXXX XXXX. and thats all the information they could give me. I never opened a credit card with this company and tried to contact this company to find out they bellied up due to fraud and lawsuits. I asked on first call from them to send something in writing and who and where they were calling from. They would not reveal any information on anything but contentiously say I need to pay my bills. When i ask for specific information on them they repeatedly hang up in my face. Minutes later an automated call back to my phone. I asked them to stop calling its harassment and they say we will keep calling you till you pay your bills. I own a business and one of the woman ( XXXX ) stated " do n't you own a business you cant pay your bills '' as if she looked me up.Calling my sister threatening that if they do n't get in touch with me they will continue to call her. Making statement about legal documents over the phone. Asking for personal information but not revealing the city and state they are calling from. calling from a local number which leads to an XXXX number. Throwiing slander " are u calling off your obama phone '' you cant pay our bills. we can talk when you will pay this bill '' Automated phone calls back to back at my employment and cell phone.
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (AL)

Resurgent Capital Services has sent me numerous emails stating I owe a debt that was discharged in Bankruptcy. They have probably been attempting to call me but I do not answer calls I do not recognize. The original debt was from XXXX XXXX for a credit card debt, but all of my debts owing to XXXX XXXX were discharged. I have not had any credit card or loan with XXXX XXXX since XX/XX/year> when I filed to have my debt discharged. All debt was discharged in bankruptcy court. XXXX XXXX had an opportunity to object to the discharge at the XXXX meeting and they did not do so. ALL OF MY DEBTS OWING TO XXXX  XXXX WERE DISCHARGED!
Consumer complaint received 2024-05-31
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: Experian Information Solutions Inc. (MO)

They are reporting Mortgage as 60 days late for the month of XXXX they mailed me a letter out said it was Social Security breach back in XXXX that had affected the payment system. They mail this letter out. It was dated XX/XX/XXXX. I reached out to the mortgage company and XXXX and XXXX to get it removed off my credit report. Ive never been late on my mortgage. No one has done anything. Its been over XXXX months now and it still has not got resolved.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NEW YORK COMMUNITY BANCORP INC (MI)

I received a brochure in the mail stating if I open a checking account that I will receive {$350.00}. It said I only needed {$50.00} to open the account but an average of {$500.00} needed to be maintained. So I specifically went into 2 branches and asked the employees if I opened with {$50.00} would I receive my bonus. They both told me yes. The branch I actually opened it at on XX/XX/year> the young lady 's name was XXXX ( one of the employees who told me I would get it ). So about 90 days later, I'm expecting my {$350.00} to be added to my account and it wasn't. I called the branch I opened it at ( XXXX on XXXX ) and the manager there told me I didn't meet the requirements. I asked how and she said you didn't meet the {$500.00} requirement. If you look at my account, I had a direct deposit in the amount of {$250.00} twice which gave me a total of {$500.00}. Had I known I had to deposit it the first day, I would have but I didn't because the two employees told me I didn't have to. Also the brochure was confusing, stating I only had to open with {$50.00}. I feel this was false information which caused me to miss my bonus. If you look at my account I have kept an average balance of {$500.00} since I opened the account in XXXX. My intentions were to turn it into a cd.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

There is inaccuracy in my consumer reports and 15 USC 1681 ( B ) protects me XXXX XXXX XXXX as the consumer, my XXXX report claims I owe XXXX XXXX XXXX XXXX while my Equafax report shows the balance at XXXX paid in full and my XXXX claims another amount this is considered Inaccuracy on my customer report which is also against the law as XXXX XXXX XXXX Terms and Conditions page 33 stated they will not give out or sell my information to Non-Affiliates 3 rd parties. XXXX, Equafax and XXXX arent affiliated. These corporations are also violating the Privacy Act of 1974, its illegal to report Transactions History but I am still seeing it present on my consumer reports. A charge off is considered Income why then are there charge off accounts reporting on my consumer reports these are all violations as I have not given written nor verbal consent to XXXX, Equifax nor XXXX to report on behalf of XXXX XXXX XXXX, XXXX XXXX, etc. Under 15 USC 6802 I have a right to Opt Out of anything on my credit report I OPT OUT of XXXX XXXX XXXX reporting to my statement and all other 3 rd party non affiliates reporting on my consumer report without my consent Charge Off are considered income and can not be reported on my credit report kindly remove them all a certificate of indebtness is my income why do you continue to use it against the consumer thats also a violation of my rights.
Consumer complaint received 2024-01-08
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. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX  -Acct # XXXX XXXX. XXXX XXXX -Acct # XXXX XXXX. XXXX XXXX XXXX # XXXX 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 an 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.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

In 2015 Well Fargo froze my funds in my account because a {$2200.00} check was deposited into my account. The freeze on my account prevented me from withdrawing my funds for bills that I had to pay. I was late on my rent which was {$1000.00}, my car notes one was {$430.00} and the other was {$530.00} and my light bill {$200.00} due to this issue. When I called to inquire about this matter, I was told that the check that was deposited seemed fraudulent. In addition, they could not release any of my personal funds outside of the check that was deposited. The funds were released XXXX to XXXX weeks later and the account was automatically closed by Wells Fargo with no explanation. 

The funds were finally released almost 21 days later but that didn't stop the charges that I had to pay for being late and to the stress that it caused me.
Consumer complaint received 2024-01-08
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. (MS)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-08
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Last year, I conducted several wire transfers to a vendor who never delivered the goods. In XX/XX/2023, I requested Wells Fargo to initiate a wire recall due to the situation. Despite calling and requesting assistance over 50 times, each interaction resulted in a different version of events, and a new case was started each time. 

After numerous unsuccessful attempts to resolve the issue, I decided to file this complaint because the total amount of the wire transfers was $ XXXX significant sum. Throughout this process, Wells Fargo has acted carelessly, providing various excuses until last week when I received a letter stating that the bank decided to cancel and close all my accounts, including my Business Checking account, Savings account, Line of Credit, Personal Credit Cards, and Business Credit Cards. 

Despite having an XXXX relationship with Wells Fargo , they refused to provide any explanation for their actions. When I inquired, I was repeatedly transferred from one department to another, each stating that they could not provide any information and that the decision was final. I even visited a branch and, with the manager, called the bank only to receive the same response. 

As a result of this situation, I find myself in significant debt and without access to funds due to the {$210000.00} loss. The banks unsupportive attitude and delays in addressing this issue have severely impacted my financial stability. 

To make matters worse, after filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), someone from Wells Fargos fraud department contacted me in a very rude manner, questioning why I had contacted the CFPB and reiterating that the bank 's decision was final and not subject to discussion. 

This complaint encompasses the lack of support, the unprofessional handling of my case, the significant financial loss, and the unjust closure of my accounts by Wells Fargo.
Consumer complaint received 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I called them about what appears to be a misapplication of my payment. No one could appropriately explain to me what the issue was and the one person who tried to sent me to another department to get it resolved but I was left on hold for over 2 hours. I am currently being charged interest on loans that should be paid off or nearly so. It looks like they are over charging me interest or penalizing me for early pay off in some manner.
Consumer complaint received 2024-07-03
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)

I am writing to dispute an incorrect address and several fraudulent accounts that appear on my Transunion credit report. 

My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX However, my credit report lists an address that I have never lived at : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX 

Fraudulent Accounts Additionally, there are several fraudulent accounts reported on my credit report. The accounts in question are as follows : XXXX. XXXX XXXX XXXX XXXX Account Reported : XX/XX/year> Status : In Collections/Charge-off Balance : {$3100.00} XXXX. XXXX XXXX XXXX XXXX Account Reported : XX/XX/year> Status : In Collections/Charge-off Balance : {$26000.00} XXXXXXXX XXXX XXXX XXXX Account Reported XXXX XX/XX/year> Status : In Collections/Charge-off Balance : {$990.00} XXXX XXXX XXXX XXXX Loan Reported : XX/XX/year> Status XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXXXXXX XXXX Reported : XX/XX/year> Status : In Collections/Charge-off Balance : {$2100.00} I have never opened any accounts with XXXX XXXX XXXX XXXX or XXXX XXXX, and these accounts are a result of identity theft. Please investigate these discrepancies and remove the incorrect address and the fraudulent accounts from my credit report. I have included a copy of my credit report highlighting the errors, a copy of my driver 's license, and proof of my current address to assist in your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

-there is no information regarding what the liquidated damages are. There are no statements within their lease agreement stating that I would be charged liquidated damages the equivalent of 2 months rent for any reason. 

-I am being charged a 10 % late fee on a full rent. I need to be charged based on prorated amount ( 12 days ). I did ask them how to pay the prorated amount as they only allowed the full payment of $ XXXX. 

-I am being charged a month to month fee, even though I gave notice and informed manager via telephone of my vacancy for XX/XX/XXXX ( call log of XXXX minute conversation proof was add in previous email ) -the dates for these move out charges show XX/XX/XXXX and XX/XX/XXXX. I contacted crestmont requesting final move our charges on XX/XX/XXXX. XXXX failed to give me requested items within the legally required time frame for the state of Georgia. 
Appropriate contact methods were given to lessor. The lease agreement shows that email is an appropriate contact method. My email has been provided to them at the start of the lease. 

I asked for proof and explanation of liquidated damages they responded by subtracting XXXX from the liquidated amount. But still did not explain what the charge was for.
Consumer complaint received 2024-04-01
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. (GA)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

XXXX  XXXX  credit account -Experian and XXXX inaccurate information payments etc. I filed several disputes to both credit bureaus failed to properly investigate and make accurate changes to my credit report.This has caused major damage on my credit approval on other loans and credit cards etc, that I could have been approved for. This account was closed and paid settlement as agreed.Statue of Limitations same source from all company 's should report the same accurate information to each credit bureau.
Consumer complaint received 2024-06-26
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. (FL)

I am writing to formally dispute inaccuracies and potential violations in my credit report datedXXXX XXXX, XXXX. As a victim of identity fraud, it is critical that my credit report reflects accurateand verified information. Upon reviewing my report, I have identified the following discrepancies and issues that need immediate attention : XXXX. XXXX Account ( Account Number : XXXX ) ** - This account shows a charge-off status with a past due amount of {$770.00} as of XXXX XXXXHowever, I have previously disputed this account, and the result of the investigation wasmarked as " consumer disagrees. '' This account remains in dispute, and the status needs to beupdated accurately. 
XXXX. XXXX XXXX XXXX XXXX XXXX - Several accounts associated with XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX ) have been charged off with significant past due amounts. These accounts were included in my dispute due to fraudulent activities. Despite my disputes, the statuses have not been corrected to reflect the fraud investigation findings. 
XXXX. XXXX XXXX - My report includes a victim alert stating that fraudulent applications XXXX have been submitted in my name without my consent. Despite this alert, there are still accounts that have not been addressed properly. I urge you to conduct a thorough investigation and remove any fraudulent accounts from my report. 
Given the severity of these issues and the impact they have on my creditworthiness, I request that you promptly investigate these accounts and provide me with a detailed response. Please correct any inaccuracies and ensure that my report reflects the true state of my credit history. I have attached copies of relevant documents, including my identification and a copy of my credit report highlighting the disputed items. I appreciate your prompt attention to this matterand look forward to your response. 
Sincerely, XXXX XXXX XXXX