davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (AZ)

On XXXX XXXX a savings account was opened at Wells Fargo Bank on XXXX XXXX XXXX  XXXX Arizona. A cashiers check was deposited in the amount of {$140000.00}. The purpose of opening the account was to pay taxes owed in XXXX. This was explained to the Branch manager who made the funds available. On XXXX XXXX a wire of money was attempted to the XXXX Government account. Wells Fargo fraud security department notified us that our account was frozen, we were not worthy customers and they would close the account on XX/XX/2023. I have contacted the following people at the Fraud Department of Wells Fargo. XXXX, XXXX, XXXX and XXXX all within a few days of receiving the letter. Note that no employee would give a last name or employee ID number. I then filed a consumer complaint with the AG office of Arizona. An individual named XXXX XXXX contacted me and stated he was assigned the case and would assist to remedy. XXXX XXXX ( Executive Office Case Specialist ). XX/XX/2023 he sent an email stating it would be 10 days to research this complaint. I contacted him by phone and explained the need of the monies to be released to pay taxes due. Once he became involved Wells Fargo Fraud unit then advised me that they were now holding the funds until XX/XX/2023 because I might put a stop payment on the check they had already cashed. This is obviously retribution by the Wells Fargo Bank Fraud Department for filing a complaint. Thus in turn the employees who have been involved are themselves committing fraud and need to be held accountable.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the XXXX Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXL XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$620.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$580.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX XXXX, and I am sending this request to dispute inaccurate information in my credit file and 3 Credit Bureaus ignoring my letters because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! there is no other than filling my complaint, Im the who filling this, I seeking a assistance to delete the inacuracies in my credit report. The items listed below are fraudulent and must investigate and delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/XXXX I financed a XXXX XXXX XXXX from XXXX FL XXXX XXXX XXXX XXXX XXXX. Authorized Reps from the finance department negotiated vehicle payments between Ally Bank and Myself. My original initial payment date was then XX/XX/XXXX. Due to Vehicle registration issues I returned to XXXX XXXX on XX/XX/XXXX, when authorized reps re-negotiated my vehicle payments between Ally Bank and Myself. I then was told and given documentation from authorized Rep for a new initial payment date of XX/XX/XXXX. I then proceeded to make monthly payments from the new date of XX/XX/XXXX. The system at Ally Bank only recognized the original initial payment date. After multiple phone calls and emails with Ally Bank customer service they ultimately tasked me with the responsibility of getting their authorized reps at XXXX XXXX to send in new paperwork. Even though I had already sent in my copy of the paperwork and informed them of previous attemps to do so. Ally Bank has refused to recognize my new payment date and charged me unfair late fees and improperly reported payments to credit bureaus. This is a violation of CFPA 1036 ( a ) 12 USC 5536 preventing service providers from committing or engaging in unfair deceptive or abusive acts or practices.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America prepaid is a complete fraud! I made two disputes because I didnt realize there were more charges from the same company that was fraudulently taking money out of my account. My first dispute was resolved in my favor, and then the second one was denied. How is that even possible? Because it was for a larger amount that they didnt want to pay? It was from the same exactly company that they found was in my favor for the first dispute. I am now in the process of a 45 day review to look at the decision. This is ridiculous!!!! I want my money back!!!! Look into the situation like you are paid to do, otherwise I will be taking steps further to ensure this gets resolved!
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company : Bank of America. 

I tried to change my checking account address after I moved. In the bank of America app, I was able to change the mailing address but I was not able to change the physical address. And I contacted bank of america customer service, they told me I need to go in a financial center in person in order to change the physical address. I went in on XX/XX/2023, at XXXX, and one manager assisted me and he told me he successfully changed my physical address. That's a lie. Because I found out two days later my physical address is not updated. Then I called them again, and this time one customer service told me the manager from Bank of America didn't do nothing and I am not able to change my physical address because my physical address was oversea when I set up the account 5 years ago. And now they told me I can not change my address, because I am a XXXX XXXX. Although I don't own the propoerty, why should I keep the same address? Bank of America lied to me and discriminated against XXXX XXXX Why ameicans can change address but legal XXXX  can not? I need them to appologize for wasting my working hours, lying to me and discriminating against XXXX XXXX And I want to change the physical address.
Consumer complaint received 2023-08-08
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. (FL)

I am not liable for any debt with XXXX XXXXXXXX XXXX I dont not have a contract with XXXX XXXX XXXX and after numerous attempts to resolve this inaccurate information being reported on my credit they have failed to send me a copy of the contract as requested
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION (TN)

My spouse and I had an international trip planned in XX/XX/2022, which required using a credit card for the purchases for trip. Credit card company had locked credit cards= for suspicious activity for a {$34.00} purchase... locked both cards. However, during this time, the company also locked the accounts for new issued cards 5 times, leaving us without the use of a credit card for the trip, so we had to cancel the trip ... ..airlines, hotel, and rental car. We made several attempts on the phone, as well as 5 trips to local bank offices for resolve issues, but without any resolution even with local bank authorities, so we closed the accounts. After closing the accounts at a local branch, ( XXXX ), or at least we thought according to bank personnel, the credit card did not get closed by bank personnel. The company continued to leave the account open, generating service fees, as well as late fees. As with the credit card issues, we made countless trips to the local bank office, the account continues to be open, with delinquent fees. CC company has since turned the amount over to collections, where myself and wife get collection calls daily. Bank manager assures us the problem has been fixed, but when you check the account, the amount remains.
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (NJ)

This company has called and messaged multiple times daily regarding a balance past due less than 30 days. I have received more than 3 phone calls a day since XX/XX/14. I spoke to the billing representative on that day stating payment would be made within 3 weeks to please not call until payment is made. A representative today failed to confirm the identity of the person on the phone call but continued to harass and badger me saying they would only stop calling if I promised to make payment within 7 days.
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (FL)

XXXX XXXX Hard Inquiry Removal Request There are a couple of inquiries made by XXXX XXXX that should be counted once, Therefore one of the two of the same inquiries should be removed from my credit report. The Law clearly states that : *_Multiple inquiries of the same type and made within a short period of time may only be counted once. ( Please see above ) If Companies can place ONLINE anything they want in Peoples Credit File without verification, subsequently and fairly the owner of such Credit File should be able to do the same and use ONLINE services to dispute these Companies ' claims. 

_ Experian DENIED me the right to dispute a Hard inquiry by XXXX XXXX from Online services ( Please see above )
Consumer complaint received 2022-12-08
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: Resurgent Capital Services L.P. (GA)

Hi my identity has been stolen through the XXXX  breach exquifax breach a doctor 's office as well as my computer has been haked. I made a police report when my home computer was hacked on XX/XX/2021 I made a police report I explained to the officer that my home computer was hacked and compromised. He told me to report the idenity theft to all credit agenices I contacted them and i saw that there was a few accounts opened in my name that i did not open I desupted these account contacted the creditors and they refused to take action leaving these accounts open and they are still on my credit, 1st account is called XXXX LVNV FUNDING LLC has a open account in my name and I can not get these creditors to remove these fraudalent accounts off my credit I placed credit monitor and a credit freeze on my account please assist me in this matter I would truely appreciate it Thanks
Consumer complaint received 2023-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (NC)

I placed an order for several pairs of shoes via XXXX  back in XXXX of 2023. Two of the pair were final sale, but arrived damaged. I contacted XXXX about this, and they assured me that, as a one-time courtesy, I could return the damaged items ( regardless of them being final sale because they were DAMAGED, ie, missing leather from spots on the shoes ) for a refund. I filed this complaint over a month ago, have proof that XXXX okayed the refund, as well as proof that I returned the items via delivery tracking number ( see all attached screenshots ) and submitted a complaint to Affirm ( which they subsequently closed ), as well as several pieces of the documentation attached here. Affirm is not taking this issue seriously, and despite my evidence, not adjusting the installment loan, which is almost {$200.00} extra plus interest I should not be paying. Now, my loan is late payment is late, as I want this resolved prior to making any payments, and I also want the interest subtracted, as I am still being charged for items I have returned and have proof of returning. Affirm has been no help. I just filed yet another dispute claim yesterday, replete with attached documentation outlining everything I explained here, and they have sent me what I believe is an automated message asking for the very documentation I uploaded yesterday. For reference, here are the Affirm dispute case IDs : XXXX ( filed XX/XX/XXXX, before any loan payment was even due ) and XXXX ( filed XX/XX/XXXX ). I have no problem paying my loan, but I am not paying for items that I don't actually have because I returned them, nor am I paying interest for these returned items. Company sites : XXXX ; www.affirm.com.
Consumer complaint received 2024-03-29
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. (NY)

I have recently perused my credit report and identified the presence of spurious accounts therein. Kindly expunge these erroneous entries from my record, as their inclusion adversely impacts my creditworthiness and compromises my capacity to secure credit facilities. I am also writing to express my deep concern regarding the persistent reporting of an account by XXXX XXXX on my credit report, despite my repeated efforts to dispute its accuracy. On two separate occasions, I have formally disputed this particular account, yet it continues to be included in my credit profile. Furthermore, upon closer examination, I have identified numerous inaccuracies within my credit report that are inconsistent with the provisions outlined in the Fair Credit Reporting Act. Despite my diligent efforts to rectify these discrepancies, I have received minimal response and have been provided with the inadequate proof to substantiate the legitimacy of this collection account along with proof of the original contract. XXXX XXXX has numerous inaccuracies and inconsistencies plague the reporting of my credit information. These discrepancies manifest in varying last activity dates, failure to adhere to the 180-day charge-off marker, and reporting of inconsistent balances. Therefore, I demand the immediate removal of the XXXX XXXX collection from my credit report. Failure to comply with this request will leave me with no choice but to pursue further legal action to ensure the resolution of this matter. 

Attached is my identification along with a valid sworn affidavit to ensure my identity.
Consumer complaint received 2023-06-01
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: Bridgecrest Acceptance Corporation (MA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (OK)

Over the last week I contacted OneMain Financial and requested that they change the method in which they refund unearned interest for my account. The reason that I asked this is because I wanted to payoff my loan, but the payoff in which they gave me was higher than I expected. 

When I originally took out the loan in 2021 I was not informed the way in which the Rule of 78 works. After doing a significant amount of research I found that the Rule of 78 is widely considered a prepayment penalty due to it having the same impact as a prepayment penalty. The only difference is that in the eyes of the federal government prepayment penalty is a contractual charge imposed by a lender for early loan repayment, while the Rule of 78 is an interest calculation method that can result in similar effects to a prepayment penalty, as the borrower may not receive a full refund of prepaid interest. Even so, the Rule of 78 itself acts as an alternative route to charging a prepayment penalty as the true unearned interest amount is severely skewed when using its archaic methodology. 

With this in mind I would like to add that there are financial courses that XXXX  offer that state the Rule of 78s is a prepayment penalty. In addition XXXX  courses teaching this there are also several states namely Missouri that have deemed the Rule of 78s a prepayment penalty due to how it heavily favors the lender thus prohibiting the use of them for all loan types. Please refer to Missouri SB 0528 to see their decision. As a member of the United States of Americas prestigious XXXX XXXX I do not expect any form of special treatment, however, I would like to call upon the CFPB to speak with OneMain Financial to view their standpoint. I also forgot to mention that the loan was taken out in the state of Oklahoma.
Consumer complaint received 2022-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A lady sent me a message " by accident '' through XXXX. I tried to redirect her to the probable correct area code, and she thought I very nice to do that and started chatting with me. After several days of nice chatting, she mentioned that she was working with some computer installation people, and invited me to try a little XXXX XXXX on the XXXX webste. It sounded harmless enough, and she led the way by providing Screenshots with every spot to click on identified, and she made the XXXX experience fun and very profitable, by her following a sequence of trend lines and buying/selling nodes, and instructing me when to buy or sell various types of crypto. We usually traded XXXX XXXX XXXX & ETC, and we did exceptionally well. About 2 weeks in, she guided me to withdraw {$5000.00}, and that process went well. She often encouraged me to add more Principle so I could make bigger profits. I told her I was fine with the current profits at that time, and she finally convinced me to invest more in early XXXX. By the last week in XXXX, my assets were up to {$890000.00}. She said she wanted to teach me how to withdraw funds, and asked me to withdraw it all. I tried to do it, and forgot my Fund Password, and needed to change it. Because I did that, XXXX said that it triggered a possible scam or hacker alert, and that I would need to Deposit 25 % of my Assets to ensure that it was me operating the account. they stated that the 25 % Deposit would be part of my withdrawal. Because I had just inherited some funds from my late XXXX, I was able to pay another XXXX XXXX  to prove that I was me. Again I tried to make a Withdrawal, and then they asked for another 5 % of my Total assets so they could collect the Personal Income Tax on my withdrawal and forward it to the IRS. I tried to explain that Personal Income Tax is paid on Income or Capitol Gains, not on my Cost basis or additional Fees or Deposits. Unfortunately their Online Customer Service Computer was incorrectly programmed, and it repeatedly said the 5 % Personal Income Tax was based on the Total Assets. As there is NO Human interaction available to support their Online Customer Service system, paying another XXXX  was out of the question. I invested a total of XXXX XXXX XXXX XXXX Security Deposit for a total of XXXX. I am just sick over this, and have lost most of my life savings. I had transferred all of my funds using my Bank - Merrill Lynch & Co. Inc. Not once did Merrill Lynch warn me against the investment nor did they question my sudden changes in the way i withdrew and made big investments.