davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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: CAINE & WEINER COMPANY, INC. (VA)

Pursant to 18 USC 8, I owe no debt, This company Cane & Weiner is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NJ)

I opened the Savings account at the Wells Fargo branch on XX/XX/XXXX. 
It was opened with the {$520.00} promotion. The requirements were : - Open a new Savings account by XX/XX/XXXX - Bring XXXX XXXX  or more in new money to the account by Day 30 after the account opening date - Maintain XXXX XXXX through Day 90 after the account opening date The corresponding promotion screenshots are attached. 

I fulfilled all the requirements above - opened the account- on XX/XX/XXXX - deposited - {$300.00} on XX/XX/XXXX, {$50.00} on XX/XX/XXXX, {$50.00} on XX/XX/XXXX, {$9600.00} and {$15000.00} on XX/XX/XXXX - {$25000.00} in total by XX/XX/XXXX - maintained that amount - by XX/XX/XXXX. 
See the attached statements. 

I didnt receive the bonus by the expected date. The Wells Fargo representative said I havent fulfilled all the promo requirements and become ineligible for the bonus. 
I raised a complaint to get more details on that. They responded that I didnt fulfill the XXXX XXXX deposit part. It turned out that they dont count deposits made on the first day, within the account opening as new money for that XXXX XXXX threshold. So they didnt count those {$300.00} I deposited on XX/XX/XXXX. 

I strongly disagree with that. I believe those {$300.00} deposited within the account opening must be counted under the promotion. 
The definition of new money ( see the attached screenshots for the promo details ) : New money is money that is new to the customer or new to Wells Fargo ( deposited into the customers new savings account directly from outside of Wells Fargo and Company and all affiliates, or from a Wells Fargo account not owned by the customer ). 
It does NOT say that money deposited within the account opening or later on the Day 1 is not counted as new money. 
Those {$300.00} I deposited on XX/XX/XXXX are new to Wells Fargo and were deposited in the account from outside. So it totally aligns with the definition above. 

I believe I fully fulfilled all promo requirements and should get that {$520.00} bonus. Otherwise, that promo should be treated as a false advertisement. 

Please investigate.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (TX)

There have been numerous issues with communicating with PenFed Credit Union, using its website and most recently, the inability of PenFed to update my signature card online, via fax and even by sending a written letter ( which was rejected by PenFed - no explanation was provided ). 

They will not accept email. Their upload site doesn't work. Their fax machines don't receive faxes sent to them. My last option is to file this complaint to get PenFed to take action ( otherwise, they don't ) I have attached my signature card to this complaint. 

Resolution to this issue only requires that PenFed Credit Union accept my signature card and implement reliable methods of communicating with and receiving updates from its customers. This is not my first complaint about this Credit Union.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

On XX/XX/2023 I deposited {$250.00} on to my Chime account via XXXX. Chime in return locked the account and then suspended it. I never gained access to the funds. They have asked for verification of intended recipient. I have sent over bank statements, Drivers license, screenshots of the XXXX XXXX account transfer, pictures of the debit card, pictures of proof of address. All I get in return is an automated response. I am currently out of town in Georgia with a child and I do not have access to my funds. I am borrowing money everyday and its quite pathetic that I have to beg for my money. I have no resolution. XXXX XXXX has provided all of the details of the transfer and confirms that the transfer was successful and provided documentation for me to provide to Chime which I did, however Chime has failed to respond. Please help.
Consumer complaint received 2022-11-27
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. (FL)

I have been disputing inquiries that are on my report. I have asked for proof because I didn't authorize all those accounts. I am not nor have been trying to get a car. I have a car, so I don't need to look for a loan. There are also inquiries that are not car related that DO NOT belong to me. 

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 Equifax 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 2022-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing inquiries that are on my report. I have asked for proof because I didn't authorize all those accounts. I am not nor have been trying to get a car. I have a car, so I don't need to look for a loan. There are also inquiries that are not car related that DO NOT belong to me. 

XXXXXXXX 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 TransUnion 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 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

I sent an dispute letter to Equifax, a copy of my cfpb report, copy of my identification, and also placed a fraud alert on my credit report, stating that i did not authorize this inquiry from XXXX bank.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NJ)

I was called and emailed a letter from XXXX XXXX XXXX, claiming to represent Wells Fargo and attempting to collect a debt that was written off in 2015 in the amount of {$900.00}. They had my social security number, phone number and my current address and an old work address. 

When I told them I wanted a copy of the charges or what this was for, he started talking over me and told me Wells Fargo wouldnt speak to me, and if I didnt settle the account, Id be hearing from their lawyers. 

I did not bank with or have credit accounts with Wells Fargo in 2015. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Main : ( XXXX ) XXXX Called me from : ( XXXX ) XXXX
Consumer complaint received 2023-07-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (MD)

I was randomly called by the phone number XXXX. When they called, it came up as a unknown number, the girl name XXXX, who left a voicemail is the one that left that phone number and said it was urgent and to call back. Upon calling back, they had information that was available online if re-searched like my old addresses, and they claimed to have sent me multiple things in the mail about money owed from a loan I took out in XXXX. I have never taken out a loan especially not in XXXX  when I was only XXXX my credit has never been good so Ive never been able to take out a loan. Nor has there been any documentation sent in the mail about anything owed for a debt from a Wells Fargo bank. When I called back, she confirmed her name is XXXX and the phone number life was XXXX. She said she was with XXXX associates. She said she would give me a XXXX hour legal hold before it is escalated and they would sue me and take me to court. When calling back to get more information on the actual company shes calling from she answered and kept me on hold indefinitely, and that proved to me it was fake. upon checking my email and all old mail that Ive been sent within the last month. Nothing matched and its confirmed that this was a scam.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is draining me. Every month Ive asked about this : I am NOT opted into any overdraft situation. Therefore, if there are no funds in the account, payments should not be being made. Im experiencing extreme financial hardship at the moment, but it appears theres always some payments that seem to go through even with no money in the account! That means every month Im paying upwards on XXXX XXXX in overdraft charges, but I continually tell them this is not acceptable. Not to mention, some of these charges seem excessive! XXXX dollars overdrafted and you charge me XXXX XXXX plus you continue to allow payments to go through for things I didnt even realize I was paying for because SOMETIMES they do not go through. There has to be a way to fix this! Im in crippling debt and Im just trying to stay above board, fix my business and feed my child.
Consumer complaint received 2023-07-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C. (CA)

XX/XX/2023 your law firm received a letter offer to opportunity to cure, I mailed via US certified mail. The additional 20 days I granted you has passed. I have gave your law firm the opportunity to correct your wrong doings after your ongoing false and misleading actions in attempts to collect an alleged debt from me, But still no proper response has been received from you.
Consumer complaint received 2022-11-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/2022, this company received my request for validation via certified mail ( tracking # XXXX ) although I have never spoken to anyone at the company about this alleged debt via phone nor mail. However, this debt appeared on my credit report which prompted my request for validation. I never received any correspondence from the company about my request. 

On XX/XX/2022, this company received a second letter via certified mail ( tracking # XXXX ) stating that they failed to respond to my request for validation. I explained that their silence is a violation and I requested that they remove it from my credit report. However, this company is still reporting this account on my credit report.
Consumer complaint received 2024-04-28
Product: Credit reporting 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. ()

I am having a problem accessing my credit information. In the XXXX 's after I retired from the XXXX the VA had SSN numbers compromised because an employee took SSN data home and it somehow got compromised, So at the time all 3 credit agencies ( XXXX, Transunion and XXXX ) sent me letters with permanent PIN numbers that I could use to access my account. Now none will honor any PIN number and my address has changed many times through the years especially during COVID. So now when I try to log-on I do not know what address they have on file for me so consequently the online question identity process always ends with information not matching what they have. I would go there in person with my passport but they do not allow that. Consequently I can not get into my own credit file. I am financially stable and do not need to get any loans and I have diligently paid off all my credit cards and always have had a score over XXXX. But now I learned that one card ( XXXX XXXX ) has lowered my credit score by about XXXX points. That is unheard of for me and I want to know why or what happened but I can not find out because i am essentially locked out from accessing my credit information with each of the three agencies. And the other problem is that my other bank still shows my credit score at exceptional XXXX. I worry about that XXXX point drop from XXXX XXXX and I don't know why it happened, Maybe someone has stolen my identity or applied for some account in my name? I have no way of finding out! When I do my taxes I sign up for credit monitoring with Turbo tax but I hear nothing from them either. I need to know what is going on instead of helplessly standing by while my credit is damaged for who knows what reason.
Consumer complaint received 2022-11-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IA)

i previously disputed XXXX XXXX on XX/XX/22 asking for full validation on this account letter was sent out certified and returned labeled. I have been fraudulently contacted by collection companies in the past for unsubstantiated debts. For this reason its that i was asking for full validation as i do not recall having account open. I never got a reply form bureaus nor original company but i did get my returned labeled signed by bureaus. So, I know they got my letter. But, still dont understand why they have ignored me! I ended up writing a second letter on XX/XX/22 as a 30 day no response still up to this date i have not received any documentation. I have not been notified account investigation has began and dates on credit report have updated this is not acceptable. Account is stating dispute was under investigation now resolved by transunion and experian! I strongly disagree as i have not been notified nor have i received any documentation verifying debt is mine.
Consumer complaint received 2023-07-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC (OH)

The original debit was to XXXXXXXX XXXX XXXX in XXXXXXXX XXXX XXXX XXXXXXXX  health center never been contacted by XXXX XXXX to pay the debt or to make an agreement with the hospital to pay the debt. after they filled the bill improperly to the insurance, Instead, they decided to send the debt to a collector in XXXX XXXX XXXX XXXX debt collection laws because as live in XXXXXXXX. They have sent me repeated letters that say that my information was sold from the hospital to them, along with the debt in an attempt for them to collect the debt. they call me multiple times a day from multiple different robot numbers changing their number multiple different times they call me while Im at work. The debit collection agency Capio partners ( XXXX XXXX XXXX ) never once informed me on their intentions to purchase my debt and to collect. Nor did the hospitals, tell me their intentions to sell my debt to the collector so that I could handle the debt before it even reached this point, My personal information my email my address and my phone number have all been sold to this company in XXXX for an debt less than {$2000.00} without even contacting me or trying to consolidate it not once did I ever make verbal or written agreements with this company or with the hospital for my debt to be moved or displaced anywhere other than with the company I had made the treatment agreement with this is an obvious method of subterfuge used by this company and by the hospital to collect this debt how they didnt violate my doctor-patient confidentiality right is beyond my reasoning
Consumer complaint received 2023-07-19
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: SYNCHRONY FINANCIAL (GA)

I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

Apple Card/G & S I have contacted several times through their Apple support which is completely useless about fraudulent activity and transactions from XXXX to XXXX of hundreds of dollars for A Bingo game purchases. They have declined my request for refund and ignored my complaint for fraud.
Consumer complaint received 2022-11-21
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. (MI)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$7200.00} EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

My bank account with Chase was closed over 3 years ago through XXXX by which I did not do. I believe that I am a victim of fraud and have my consumer report that I wanted to show you to overturn the decision to close my bank account.
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I am 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 three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.