davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023, I opened a Wells Fargo checking account online using the bonus offer link. After I opened the checking account, I received an email confirmation letting me know the bonus offer has been applied. In the email, it listed out my application number XXXX and bonus offer disclosure and additional requirements. Fast forward to three months later, I believe I have met all the requirements listed in the bonus offer information. When I called Wells Fargo, the representative let me know that she could not find any information for bonus offers on my account. She also couldn't access any application form for account and said there is nothing she could do. 

I have kept email confirmation for the checking account. The account history should serves well to show that I'm eligible for the bonus offer. I'm filing this complaint to receive what was set in the original terms. 

Thank you!
Consumer complaint received 2018-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (AR)

To whom it may concern : On XX/XX/2018 my regions debit card was stolen out of my property. I was not aware of this fact. I called the next morning and checked my balance and thought everything was fine. That day XX/XX/2018 i tokk my lunch break and was going to the bank to make a withdrawl and i got s strange feeling. So i called to check my balance again and my account had been withdrawn all the way into the negative XXXX dollars.at that point i got my wallet out of my pocket as quick as i possibly could only to discover thst it was missing. there were 4 transactions on my account from random gas stations that equaled up to XXXX there were also 8 more transactions done on the internet that equaled up to {$1800.00}. as soon as i became aware of this i called, had my card cancelled and immediately went to the bank and disputed these charges. Even as i was speaking to the customer service rep. the culprit was trying to make another transaction on my account. Regions told me they would come to their decision within 10 business days.Well, today is the 11th day and i have not gotten the first email or piece of mail letting me know the decision either way. Please help me. That money in my account was from an insurance payout on my car when it was totaled. without it i have no money for another car to get back and forth to work.
Consumer complaint received 2023-02-20
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. (NY)

SEE ATTACHMENT BELOW I did not give consent to report anything to my credit report nor do I have a contract to do business with LVNV Funding. They are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave permission. Violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022 I went to the Wells Fargo on XXXX XXXX in XXXX Texas to deposit my check from a car accident settlement. The check was from the law firm in the amount of {$7300.00}. Due to getting off from work later than XXXX. I deposited it into the atm. I received a receipt that stated I would receive partials funds right now of {$400.00} and the remainder of the balance on XXXX. I checked my account on XXXX and theres no money deposited. Actually my balanced returned to my original balance before my initial payment. I called today on XXXX to see whats happened and it was stated that a hold was placed on my check. However the customer service agent couldnt tell me why. I never received a call or written notice of a hold. It stated my funds would be released next day and I havent received funds
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NV)

I have tried to get my credit report from all of the credit reporting agencies. None will accept the information I am giving. I did contact XXXX, who said they had me as deceased, this was supposed to hve been corrected 2 months ago. Yet I still can not log in and get my free credit report on line, it said to call for my free credit report, I did and after answering the questions they sent me an e-mail asking for a credit card? why if its free?
Consumer complaint received 2023-02-20
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: Upstart Holdings, Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : Upstart Network # XXXX, Account name : Upstart Network # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, 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 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 2021-11-14
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: JPMORGAN CHASE & CO. (OH)

I got an email informing me I had a hard inquiry on my credit from JPMCB - CARD SERVICE yesterday. I have never, ever applied for any XXXX from this company. I want this taken off my credit history immediately and those responsible put onto the gurney for lethal Anyway, I am not happy. I appreciate your help
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc. (FL)

I have a cash app account I've used for quite some time. My phone broke so when I got a new one I attempted to transfer my cash app account to new phone and it wouldn't do it successfully. In fact I was instructed by cash app to create a new account and contact help within app under new account. I did so. I have had no resolution even when I proved via supporting documents my identity Cash App refuses me access to my old account saying I won't be able to access the cash app balance and refuses to give me any explanation in fact they hang up on me. This isn't the XXXX time they have done this but will hopefully be an end to them doing this craziness to others. Imagine to people they get over on the daily who fail to report it as I did the first time. Please help me get my money from my accounts.
Consumer complaint received 2023-06-23
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2019-11-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Persolve, LLC - Legal - Series 2 (FL)

On XX/XX/19, after filing a complaint about Account Resolution Services, I learned they are trying to collect a debt that should be issued to my daughters father. Im not married or never was married to her father. We do not live together. My daughters father XXXX XXXX, received all the bills, signed financial responsibility for this debt. The bills went to his home address, and he did not pay them. Account Resolution Services put this debt on my credit report not XXXX XXXX credit report. I was never given the opportunity to resolve this and now they are not reporting accurate information. The debt is for XXXX XXXX. I did not sign financial responsibility for this debt, this was not on my insurance. Why is this not on his credit report???!!
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

I submitted a complaint and the number is XXXX. Wells Fargo responded with a lot of irrelevant information avoiding what is the heart of the issue. I AM NOT A CO-BORROWER OR CO-SIGNER ON THIS ACCOUNT AND AM ONLY AN AUTHORIZED USER WHICH MEANS I AM NOT FINANCIALLY RESPONSIBLE!!! AS AN AUTH USER I CAN USE THE CARD, " BENEFIT FROM IT '', AND PAY THE BILL AND THAT DOESNT MEAN I AM FINANCIALLY RESPONSIBLE JUST BECAUSE YOU HAVE ME ON THE CHECKS PAID OR STATEMENTS!!!! According to the laws you are required to follow you need to produce the original contract showing my signature which you FAILED TO DO. THE STATEMENT BELOW DOESNT LET YOU OFF THE HOOK OR ABSOLVE YOU OF FOLLOWING THE LAWS! IF YOU DONT HAVE THE APPLICATION YOU CANT REPORT THIS TO MY CREDIT PLAIN AND SIMPLE. I also was not on the bankruptcy.
Consumer complaint received 2024-06-04
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (IL)

I told this company to stop contacting me and to validate the debt. This debt is actually under my husband for our son but theyre calling ME. I submitted this request XX/XX/XXXX and I have received 4 calls since then. Two on XX/XX/XXXX, one on XX/XX/XXXX, and one on XX/XX/XXXX. First off, they arent supposed to be contacting me, period. And they are calling after we submitted a no contact.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MI)

I am in the process of working with a mortgage lender to get approved for a VA Mortgage loan. The mortgage lender sent me a copy of what is showing in their underwriting system. Navy Federal Credit Union is currently reporting that my home is in foreclosure and payments are over 180 days late. This was last reported in XX/XX/XXXX. I briefly fell behind on my mortgage payments after I was furloughed from my job. I have been current on my mortgage payments since early XXXX, well over a year. I called Navy Federal Credit Union twice to have this corrected and to request a letter stating I am current on my mortgage payments. They have refused to provide a letter before 5 to 7 business days or immediately correct their fraudulent credit reporting.
Consumer complaint received 2023-03-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (DE)

On XXXX comenity Capital Bank  has called three different times from unknown ior unidentified numbers. Spoke with XXXX who would not provide an address was told stop calling and asked to transfer to a manager. XXXX was rude threading and did not transfer the call. Comenity Capital Bank is the owner of the credit card for XXXX who has filed bankruptcy.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2022-12-16
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. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

Hi We were scammed by a XXXX add for an apartment and sent {$3700.00} to a wellfargo account via wire from XXXX for the apartment down payment and first month rent on XX/XX/year>. When we arrived to get keys it was a scam. XXXX could not get it back from Wells Fargo even though it was scam. 

Here is the information : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Routing Number : XXXX
Consumer complaint received 2021-11-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Harris & Harris, Ltd. (CA)

I DECIDED TO SIGN UP FOR CREDIT WHEN I ENCOUNTERED THIS COLLECTION XXXX XXXX XXXX XXXX Original creditor HARRIS & HARRIS ( Collection Company ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I contacted XXXX XXXX XXXX and have made a couple of payments online myself I was not aware of the debt at all, spoke to a company rep and she said that my debt is not {$1300.00} like what it is reporting in my credit report if not {$600.00}, she had no clue tried to contact Harris and Harris can't get answers, sent a questionnaire only way to contact them with all the info. I also told medical faculty that I had intentions to pay them per month but never ever got a bill, they had the wrong address, I also informed them that I was paying on website and you have no right to send me to collections while payments in progress.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

THIS ORGANIZATION VIEWED at credit report and notice inaccurate information AND VIOLATIONS CORRESPONDING BACK AND FORTH FOR WELL OVER 90 DAYS FOR REMEDY TIME ALLOTTED FAILURE TO SUBSTANTIATE THE CLAIMS HAS PASSED PLEASE SETTLE ACCOUNTS IMMEDIATELY WITH DELETED NOW ASAP 15 USC 1601-6802 AND 15 USC 1667e 15 usc 1667f i have sent several letters last being XX/XX/202XXXX XXXX
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This company is the only XXXX out of the XXXX agencies that refuses to help and take care of this fraud. 

All these inquiries are fraudulent : XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX
Consumer complaint received 2022-05-20
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got in the wrong hands ....
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (IL)

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 permission.

15 U.S.C 1692 C
Consumer complaint received 2015-07-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (PA)

Paypal sent me a notice that my account was put on hold because a person with a similar name had a negative balance with Paypal. I called and explained that I was not that person and not responsible for this account. Paypal refused to de-link the other account unless I paid the negative balance. 

I tried to close my Paypal account, but Paypal will not let me do that until I resolve the other person 's past due balance. This is fraud and most certainly illegal under the laws of the United States. I am not responsible for the debts of another, and I am not willing to allow Paypal to keep my account active. I will use other forms of payment from now on.