davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-08
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: Experian Information Solutions Inc. (CA)

I have made disputes to both Experian and   XXXX   regarding information reported on my credit file that is not correct. Experian made it difficult to confirm my identity because they are relying on fraudulent accounts as verification. I have submitted several disputes and made phone calls to  XXXX  and after a re-investigation, I received an email that advised me to call   XXXX    for further information if I still dispute the item. When I called  XXXX , they stated that the collection agency " verified '' that the account was in fact my account. When I asked what was the proof that they provided, I was told that the collection agency confirmed that the account in question was associated with my social security number. Well of course it is, that is what I am complaining about ; someone using my " identification '' fraudulently. That is the basis of the dispute.  XXXX  stated that I would need to contact the collection agency because they believe the collection agency. This is the proof? that the social security number belongs to me? I contacted the collection agency "   XXXX   '' and they stated that the account is being reviewed by the fraud department but it appears to be my account. I provided a police report number and information forwarded to me by the police department. The reporting agencies refuse to remove false information and I am losing money by purchasing different credit monitoring companies to gain a way to dispute these items. The collection agency states that they will send an update to the address on file. The address on file for a cable bill. I reiterated that I never have lived at that address, let alone the city where the fraud occurred. Where is the proof from these companies. I must show the burden of proof, not them. I was never notified of a bill, therefore a collection was reported on my credit file without my knowledge, and now that I know there is such a collection, they ignore the facts that prove it is not mine. I have researched the address and found the name of a person who lived there during the time of the fraud. Neither the reporting agencies or collection agencies perform due diligence.
Consumer complaint received 2023-11-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (GA)

I received a letter from Pro collect in XXXX, Texas, I reached out to them, to inform them that I dont know anything about the Debt and requested information. They informed me that it was from a company called XXXX. I asked for information regarding the Debt since Ive never received any information About an amount that was owed. The request was for an itemized bill, date of service, what services were rendered, and who rendered the service. I was told that, I was told it that request have to be made via email or in writing, and That I will need to pay the bill, whenever I persist to ask questions, I was hang up on. In addition to my request for info via phone I attempt to send an email, but the email address on the letter Was not correct, I called the company again today I was given a different email address, and a demand for payment via credit card was made, when I refused, and again requested information, The young lady hang up on me, Once I told her, if they did not provide the information to me, I would contact the FTC. I sent an email after I got the correct address, requesting the documentation again.
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth Third Bank has now TWICE allowed their employees to go into my account and change my address. They were NOT authorized to do so. Both times they removed my unit number from my address. This caused my initial credit card to be sent who knows where. After a lengthy phone call including an escalation, we were able to resolve this. I was told that AFTER they had already approved me, a manual verifier went into my application and updated my address likely via copy/paste, and forgot my unit number. I thought this would be the last issue. 

This second time happened XX/XX/2023 XXXX XXXX. I was able to find out from their representative that one of their branch employees went into my account to make this change. They deleted my unit number from my account yet again. I went in and manually updated it back to normal. The customer service representative was unable to state which branch did this and instead advised I go to " the nearest branch '' to resolve this violation of my account via unauthorized use. This is my 2nd complaint against Fifth Third Bank, which is displaying gross negligence in privacy practices. How are unauthorized employees allowed to go into peoples accounts? Does 53 allow them to borrow money too? It's unacceptable.

Furthermore, this unauthorized security breach which is clearly the norm, can cause consumers to miss payments as we need a bill to know when to pay. Are you purposely doing this to collect late fees?
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

Money was took out m account and I did what was needed they mailed a check so they say and I never received it and the account is permanently suspended and I cant see any information on the account and they have been given me the run around for over a year almost and I talked to the support team on email they keep given pretty much nothing good nor anything useful I proved that my account was not authorized by me but yet they took my money then told me my account was in the negative so they took it and then turned around and said they would send a new one and never did and they kept changing the amount of how much I was owed I just need somone to get my money back and then I also had money that was deposited into that closed account and it got returned but they will not tell me to who or anything just that I need to talk to the sender in total it was well over XXXX
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (FL)

I had a joint car loan account with my spouse. She filed for bankruptcy and this debt was discharged. Her balance is been updated to {$0.00} and closed with notes discharged in bankruptcy but for me is showing OPEN and with a balance when I have no responsibility on this account and I already requested correction. The latest one was responded on XXXX stating info reported was accurate.
Consumer complaint received 2023-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (LA)

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

Reference lD : XXXX
Consumer complaint received 2023-08-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (OK)

Attempting to collect debt of {$520.00} not owed by myself. Debt under name and address that is not me. Notices from original client never received. Violated HIPAA & FDCPA by collecting a debt not owed by myself. Reference # XXXX
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Unable to request information, according to the representative, the representative does not have the information as to why my account was closed and hence a manager will have to contact me. I was told on XX/XX/XXXX  that a manager will reach out to me on XXXXXXXX.No call back received as of XX/XX/. I called Citizens Business Card Services again today and I am getting the same response-manager will call back. 
The card and my credit have been in good standing since it was opened with all balances paid on time.Citizens Business Card services has made no attempt to resolve this issue.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experion said that XXXXXXXX XXXX reported that I was 30 days past due on an account. I contacted XXXX and was told I am currant and was on Auto pay. I contacted Experion 3 different times and each time was told they contacted XXXX they said I was pass due. I contacted XXXXXXXX XXXX and filed a dispute but today they said they have no record of it. I tried to contact their corporate office but could not get past their automated system. Experion has reduced my credit score by XXXX points.
Consumer complaint received 2023-11-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Friendly Finance Corporation (VA)

Friendly Finance Corp XXXX XXXX XXXX XXXX has been suing me since XX/XX/XXXX thus having my wages garnished at least 20 times give or take. The original amount of the judgment was {$11000.00} I have paid {$17000.00}. On XX/XX/XXXX I was served another garnishment notice saying that the total amount due is {$49000.00}. There should be some type of statute of limitations on how long a company can keep taking you to court to have your wages garnished.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I feel I have been involved in a fraudulent scam with Wells Fargo bank. I received a check for identity theft protection affinion for {$270.00} Going back further I dont remember having Wells Fargo before 2012 but recall being in trouble for check writing that I never had or did. 
I believe accounts and money was transferred in my name against my will without my knowledge
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

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 2018-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (KS)

On XX/XX/2018 I went to the bank to with draw money from my account witch was XXXX dollars. After I left the bank I went to pay two bills and I realize that I was short changes on my money, I tried to resolve it with the bank but they were just giving me the run around. Talking about they will have my money in to days but that was a lie. USbank has done me like this before but I did not no who to go to until now I just got out of the hospital and they did not care about that at all. I talk with a XXXX XXXX, and XXXX XXXX, that gentlemen told me that if I did not like the way they were handleing it that I can take my business elsa were. They said that it will take two days but they lied about that as well. Some one in that  bank is stilling and trying to use my account as a coverup. I have no food and gas to put in my car at this point so I will have to find out how to get money. I will go to the XXXX and let people no what is going on in the bank of USBanks. Yours Truly
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

For the last 5 years or so my address has been : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX. Before that as of XX/XX/2012 it was XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, and before that I cant remember the specifics but i believe it was : XXXX XXXX XXXX, XXXX, XXXX XXXX. Those have been my addresses for approximately the last 15 years. My phone number has been the same since 2012. I think I'm being discriminated against for some reason because I have contacted TRANSUNION, XXXX, and XXXX repeatedly and they refuse to provide me with a copy of my credit reports! All of my info has been the same for years! All of my banking, financial, legal, residential, government, and ALL OTHER info is the same and basically has been since 2012! 

Please investigate the persons in charge of these awful companies and I suspect terminations are in order ( the only question is : who exactly needs to be terminated for not doing their job )! 

THESE COMPANIES HAVE GIVEN ME MULTIPLE PROBLEMS FROM NOT PROVIDING MY REPORTS, CLAIMING NOT TO HAVE MY INFO ( ALTHOUGH I HAVE PAID OFF A NEW VEHICLE, HAVE A LABOR REPORT WITH THE SAME INFO, AND THEY HAVE ABUSED Y REPORTS EVERY POSSIBLE WAY THAT I HAVE WITNESSED! SPEAK TO THE PERSON WHO SIGNS THEIR PAYCHECKS AND MAYBE THAT WILL MAKE THEM DO THEIR JOBS! ( YES I'M UPSET! )
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC. (TX)

Someone opened a bank account in my name through Frost Bank. I received a letter in the mail stating I have a bank account with a balance of XXXX the money was deposited through XXXX XXXX. 
I didnt open this account. 
I called frost let them know they have frost the account and filed a fraud claim.
Consumer complaint received 2023-11-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AAA Collections (SD)

They put a levy on my checking account and took my whole SSXXXXI check, completely wiped me out for the month. I had to go as far as borrowing the rent money from my step son. would really like to know if this is legal or is there something i can do? I cant even use my checking in fear that all the money will disapear,
Consumer complaint received 2023-03-22
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO. (TX)

When we applied for a home equity loan with our credit union we were denied because a title search showed we had a Texas XXXX XXXX XXXX XXXX XXXX done in XXXX. What we actually did in 2020 was, we took advantage of an offer from our home lender Chase to do a refinance for a lower interest rate. This should have been recorded as Deed of Trust, as we did NOT take any monies from our equity. We have had conversations with our state/county recorders office, and were advised that Chase needed to correct the error. We contacted Chase customer service and they forwarded our complaint to Chase Escalation Office ( after several complaint calls ) for review. It has been 2 weeks since we have started this complaint, and have zero answers. At first Chase wanted us to refinance and that would get the issue off our title. Taking our interest rate from just over 3 % to 8+ %. We have called many times to get updates on this issue and each call is forwarded to a different individual and our story has to be retold each and every time and the answer has always been the same... Chase is investigating. As it stands we have had 2 hard inquires on our credit and have received 1 denial letter from our credit union, not to mention our equity is locked, at our advanced age is very scary. Please help.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

MAJOR issue here. Back in   XX/XX/XXXX ,  I contacted  XXXX  after I received a letter about an  XXXX   XXXX  credit card application denial after never submitting an application. I contacted  XXXX , and they told me they would remove the inquiry. I put fraud alerts on my credit reports, and still get hard inquiries. Fast forwar d to  XX/XX/XXXX , a nd I 'm still regularly ( at least 2 times a month ) receiving application denials for the  XXXX   XXXX  credit card, which still to this date, I 've NEVER applied for, nor ever want. I contacted  XXXX , again, and was told they 'd remove the inquiries, even the one from  XX/XX/XXXX  still on my credit reports. Then I was told that they were n't going to remove some of the inquiries, and to submit a request for removal with the credit reporting agencies. I did so, VERY begrudgingly, and received denial of removal letters stating, and I quote, " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' As of today 's date Equifax is showing : Company Information :  XXXX      XXXX   Date of Inquiry :   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,   XX/XX/XXXX ,   XX/XX/XXXX ,  XX/XX/XXXX    XXXX  is showing :  XXXX   XXXX  Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX    Date :   XX/XX/XXXX     XXXX   XXXX   Date  :  XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX   And  XXXX  shows nothing.     I 've put a fraud alert with the credit reporting agencies, and still get hit with these inquiries. I 'm at my wits end with  XXXX   XXXX , and  XXXX . Although this is n't so much  XXXX  's issue as they 've reset my  XXXX  account thinking I was a victim of a hacked  XXXX  account. Even after that, the issue is still occurring even after  XXXX  reset my account information. The issue is n't so much with  XXXX , but with  XXXX  repeatedly processing unauthorized credit requests for the  XXXX   XXXX  credit card, as well as repeatedly telling me they 'll remove the hard inquiries from my credit reports, and failing to do so.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN NEIGHBORHOOD MORTGAGE (IN)

In accordance with the Fair Credit Report act, AMERICAN NEIGHBORHOO via XXXXAMERICAN NEIGHBORHOOD, has violated my rights.

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.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MD)

This is in follow-up to complaint XXXX submitted on XX/XX/XXXX. 

Wells Fargo is claiming I can not close my mothers Wells Fargo savings account and withdraw the funds because it is a joint account with two other people on the account. The two people are my siblings. 

On XX/XX/XXXX at XXXX XXXX. those same two siblings and I met at the Wells Fargo branch closest to my sister 's house to close my mothers checking and savings accounts. We were able to close the checking account on that visit, but the staff told my siblings that the savings account was not a joint account, so they could not close it. This is the same savings account Wells Fargo is now claiming is a joint account ( with those same two siblings ). 

Staff made a copy of her death certificate to send to the appropriate department for notification of death. 

In XX/XX/XXXX the court appointed me to manage my mothers estate. 

After that, I attempted to use my court appointment letter to close my mothers Wells Fargo savings account and withdraw the funds. After initially being ignored, Wells Fargo now claims the account is a joint account, so I can not close it or obtain the funds. 

So either Wells Fargo should have allowed my siblings to withdraw the funds and close the account in XX/XX/XXXX or else the joint account paperwork recently produced by Wells Fargo is fraudulent. Wells Fargo should explain why my siblings were prevented from closing the savings account under the rationale that only my mother 's name was on the account. 

Questions for Wells Fargo : If my siblings go again to Wells Fargo to withdraw funds, will they have ANY problems? 

It is difficult to obtain an appointment at the bank convenient to us, so I will have my siblings leave a letter indicating their wish to close the account. The letter will include their names and addresses, a reference to my mothers name and address, the account number, and their request to close the account. Will that be sufficient information? Please do not refer me to any Wells Fargo forms we will draft our own letter.