davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc (TX)

On XX/XX/2024 my father was contacted by a debt collector in regards to a debt I owed. Rather than tell my father about a debt the man XXXX told my father that this was very important and if it was him he would want his daughter to know. I returned XXXX phone call immediately. XXXX said I owed a debt to a college which I believe to be untrue. I stated as much and told him I didnt believe it was okay to make my father believe this was important and XXXX began yelling at me. XXXX yelled at me for several minutes. I was not able to ask anymore about the debt because of his aggressive behavior.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (TN)

More than 2 months ago, I contacted Early Warning Services, over inaccurate information and the constant denial of bank accounts. 

There are several variations of names, misspelling, different addresses, and places I have never lived. 

Its been over XXXX days and the company has never responded to my concerns and I still continue to be denied a bank account over there false reporting.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OH)

On XXXX I received an email from Chase Bank stating my account was restricted due to suspected fraud and that I needed to call them. I called within 5 mintues of receiving that message. When I called, I was informed my account was closed and was not able to be re opened. I was then told I would not be able to access any funds from that account is closed. So they told me the account was closed, then told me that it would be 10 days till it be officially closed. So essentially stealing my money for 10 days and not letting me withdraw it. Then I get my weekly paycheck to that account that I provide for my children with and I wasnt able to access that either. They have essentially stolen my money and said they will give it back when they deem fit. That is my hard earned money and I shouldnt need permission to withdraw it. If the account it closed then release my funds. I called on XXXX for and update and was told my account was still waiting to be closed and yet that I wasnt able to access my own money still. What world do live in that you can take peoples hard earned money and then give it to them whenever your computer deems it worthy?
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

My previous complaint number about this issue unfair/ unreturned overdraft fees with CFPB is XXXX and my Wells Fargo complaint number is XXXX. Between the dates of XX/XX/XXXX to XX/XX/XXXX I was charged a total of {$160.00} in overdraft fees. I have received notification from the Wells Fargo escalations representative which is the enterprise complaints management office at XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX fax number is XXXX. I was told in falsely stated Documents that Wells Fargo returned all the money in overdraft fees which I have not ever received and have proof from all my bank statements that none of the overdraft fees that I have had to pay of this {$160.00} was not ever returned to me otherwise, why charge me the overdraft fee to begin with as Wells Fargo is not in the business of giving people that overdraft fee money right back. You have to pay the overdraft fee to restore your bank account or they close your account for you and send a credit bureaus after you for those fees. and I as well as so many other customers felt that I had no other choice but to pay the overdraft fees for insufficient funds to restore my bank account.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmerAssist A/R Solutions, Inc. (NV)

In XXXX of 2021 I attempted to remove information from all three credit reporting agencies ( XXXX, XXXX, XXXX  ). The collection agency on my credit report reporting this information is is Amerassist AR Solutions and the original creditor is XXXX XXXX XXXX. The amount that is being reported is {$1600.00} on each report. The original creditor is reporting an amount that is not correct, I am being charged for work that was never completed.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-04-04
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. (NV)

sent the following correspondence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV. XXXX XXXX XX/XX/2024 EXPERIAN XXXX XXXX XXXX XXXX, TX. XXXX RE : REINVESTIGATION OF PROFILE 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. 
Personal Information # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX of XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Personal Information : # XXXX # XXXX # XXXX # XXXX # XXXX Also Accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX This list of accounts 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 A section 2. Also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681 C. ( a. ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 3-2 ( 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. 
Upon reinvestigating and finding of fact please remove and all accounts listed above immediately Thank you XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (CA)

As explained in a previous complaint XXXX, money was stolen from my Citibank checking account, and Citibank has refused to return that money to me. In doing so Citibank has violated the Electronic Funds Transfer Act of 1978. Citibank is currently being sued by the State of New York as they have defrauded many other customers in the same manner. I have submitted my information to the NY AG office and am awaiting the outcome of the trial and for Citibank to return my stolen funds plus damages. 

The bank has informed me that for stolen funds to be returned, the account from which they were stolen must remain open. I have complied with the bank 's request. 

However, now the bank has sent a letter threatening restriction of deposits to the very account they instructed me to keep open. They are doing this in the name of the account being overdrawn. However, I never made any withdrawals from this account which led to a negative balance. In fact the account is blocked so that no withdrawals should be made at all. Citibank has repeatedly charged " Bank Service Fees '' which is the only reason there is a negative balance. 

The account is only open dues to Citibank 's requirement that it remains so for return of stolen funds. There should be no service fee associated with their request, and they should not be manipulating the account in this manner as an excuse to restrict it. 

Restricting it could be used as yet another excuse to not return the funds that they wrongfully transferred from it in the first place.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (VA)

I am filing another complaint because the complaint ID XXXX was not addressed by SOFI Bank XXXX SOFI bank illegally turned this dispute from a merchant dispute to another one so they could avoid XXXX XXXX and have more time for the dispute to be handled. SOFI claims that XXXX XXXX ( XXXX ) has not returned the {$710.00} to my account even though XXXX XXXX has contacted SOFI and given them both a payment auth form and proof of returned funds to card. Attached are both forms to proof along with an email that proves they have contacted SOFI. SOFI claims the dispute can a longer expiration date and they are awaiting the merchant to respond. Attached is proof that the merchant has tried getting in contact with SOFI and I have shown this proof to SOFI but they keep lying from the back office. I demand that this be sent to a attorney generals office so they can look into SOFIs practices. FDIC needs to also be involved and other government agencies as they are not properly acting as a bank.

ONCE AGAIN, please look at the attachment in which the Paymentus has tried to contact SOFI and they are lying about awaiting merchant response. They just want to allow this to expire so they do not have to do any work from the back office team.
Consumer complaint received 2024-04-04
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. (TX)

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.
Consumer complaint received 2024-04-04
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. (CA)

I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Upon reporting the case of identity theft, I promptly contacted the companies associated with these fraudulent accounts. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be promptly removed upon submission of the required FTC report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-31
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. (PA)

XXXX XXXX DOB :XX/XX/XXXX XXXX  XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX  XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 2 Account Number : Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 3 Account Number : Source of dispute information : XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 4 Account Number : XXXX Source of dispute information : XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 5 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 6 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 7 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Lease Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Dispute 8 Account Number or other information to identify account : Source of dispute information : Type of disputed information : Dates associated with item being disputed : Explanation of item being disputed : INQUIRIES : Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX  XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

On XXXX XXXX, Wells Fargo called me concerning suspicious transactions on my debit card. XXXX transactions in the amount of {$500.00} dollars each. As I'm talking to them they sent me numerous verification codes for the transactions. I told them the codes because they said that was what I needed to do to clear it up. Meanwhile I'm being scammed the whole time. Wells Fargo says they will never call you, however the number that showed up on my caller id was in fact Wells Fargo number. I believe I was on a multiple person call and the numbers were being told to another person, the verification codes. I was on the phone with whoever for XXXX minutes. As soon as I hung up I checked my account and the XXXX charges had been taken from my balance in the account. I immediately called Wells Fargo back. They said they had no record of that XXXX minute call and they had had several situations such as this lately. Wells Fargo was the one that said it was probably a multiple person call. They opened an investigation of my XXXX claims and determined under their parameters that my claim was invalid therefore keep my {$1500.00}. I DID NOT MAKE THOSE PURCHASES! We have been customers of Wells Fargo for at least 34 years, since XXXX! I think this is XXXX! Please help me get our money back. Please let me know any communication or resolution you can provide.
Consumer complaint received 2024-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

I reported to Nelnet on XX/XX/XXXX that the information listed on my student loan from XXXX was incorrect and lists the wrong school. I attended XXXX XXXX XXXXXXXX, but my loan lists XXXX XXXX XXXX XXXX. After months of follow-up, on XX/XX/XXXX, Nelnet sent a copy of a MPN claiming it was correct, but that MPN did not correspond to the correct school and was from XXXX. I have opened two claims with the Student Department of Education Ombudsman about this and this issue has still not been resolved.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this account ( 1 ). ( A ). 

XXXXXXXX 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which | would like removed please ) : ( Previous / Incorrect 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 XXXXXXXX There should only be one address listed on my report, which is ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see Listed : ( Incorrect Names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove inaccurate phone numbers as well as listed below : XXXX. ( XXXX ) XXXX Once you have deleted inaccurate names and addresses from my report, please send me a copy of my updated report. 

Thank you,
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Avant Holding Company, Inc. (NE)

XX/XX/XXXX I called Avant customer service on XXXX to request a letter be emailed to me showing my current balance after a payment was made. 
This one of the three companies that I needed letters from to show my loan officer that I am making payments so I can qualify for my mortgage. A time sensitive issue as we are all aware. 

I was advised that they can not send me a notice but to send a separate email to XXXX and they could take care of that for me. 
I sent the email as requested at XXXX the same day. 

I called back later that day to see if they had processed my request and then was advised that they can only send me an email from the phone center if I had a XXXX balance. Unsatisfied with this answer I asked the representative XXXX to escalate the situation to a supervisor. The supervisor ( XXXX ) was unavailable and I was given the option for a call back. I asked to be called back before XXXX or after XXXX. The supervisor did not call me back until after XXXX when I was unavailable. 

XX/XX/XXXX I still have not received a response from the cardresolutions email so I called back in. I spoke with XXXX, who tried to assist me but provided me the same information advising that they can only send a XXXX balance letter. I tried to explain to him all I needed was an email with that information and I can literally view the information in the portal online but that is not sufficient for my loan officer since it is not underneath the " Avant '' letterhead. XXXX did have me forward the email that I sent to XXXX to another email XXXX. Which auto generated a response advising that they had received my complaint. 

At this point the other 2 companies had already provided me the information I needed in writing. So it can not be a legal issue of providing the information. It is my balance and not being able to provide proof of that balance to me as a customer is an anti customer policy. 

Additionally when I decided that the credit card company was not going to help me I asked who I could file a formal complain to and they were unable to provide me with any information. Since the rep and supervisor " do not know '' I understand that most companies will provide a statement monthly but I am trying to move faster than a monthly pace and every other company I have worked with has been able to assist me in some form. Avant is directly choosing to cause issues for their customers.
Consumer complaint received 2024-04-04
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. (MS)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.