davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (AZ)

Hello, I live in XXXX. I have a credit card with Wells Fargo, which I have had for over 10 years. I also have a deposit account ( Checking + Savings ) linked to that credit card. 

On XXXX I received a letter informing me that my deposit account will be closed for the following reason : " Our records reflect that the above-referenced account has one or more account holders with a non-US address on file which does not meet this new requirement. '' The XXXX of the problem : My credit card with Wells Fargo has an outstanding balance on it which I pay monthly. Without a deposit account, I have no way to make a payment on that credit card. 

I work for a XXXX company and am paid my salary in XXXX into a XXXX XXXX account. Once a month, I send yen to my Wells Fargo Checking account and use that to pay my credit card. Without a deposit account, there is no way for me to transfer that payment to my credit card balance. My account will accrue interest and eventually ruin my credit. 

How is this possible? How is it legal for a bank to delete your ability to give them money, and then charge interest on a balance they know you have the means but no procedure available by the bank itself to pay? 

I can not visit a branch. There is no branch in this country. To fly to the nearest branch, I would need to buy an airplane ticket that costs the same as my credit card balance ... with a credit card. 

It should be noted that both my Wells Fargo checking, savings, and credit card accounts have long had my XXXX address attached. They mail my statements here. 

On XXXX I spoke with the Wells Fargo Checking and was heavily pressured and berated to give verbal authorization to close the account. I refused until they could tell me how I can continue to pay my linked credit card product. 

I then spoke with Wells Fargo Internal `XXXX Credit Card Advocacy Group '' ( XXXX ) and expressed the same concern. They created case # XXXX and promised to follow up. As of today, they haven't contacted me at all. 

I am being placed in a situation, designed by Wells Fargo, where they have boarded up the deposit window to my line of credit to let the account accrue interest and fees. It would be funny if it were a joke in a XXXX comedy. 

This is super messed up. Help. 

EDIT : When I set my home address country to " XXXX '' your online form returns error : " Failed to save complaint ''. When I set it to United States, it allows me to send the complaint. My country is XXXX, my state is XXXX, XXXX XXXX and my Zip is XXXX. It is the same as the attached document. The fact that I can't submit the complaint with my address is also... super messed up. Will you actually help?
Consumer complaint received 2022-11-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (OK)

Selene Finance XXXX XXXX XXXX XXXX, PA XXXX has taken money from my checking account two times in one month, in XXXX, XXXX two payments of {$1100.00} were taken from my checking account ( total of {$2300.00} ). Right after those payments were taken I was sent a printed mortgage statement for {$2300.00} due the very next month XX/XX/2022 ( that number doesn't make sense because there is not even a late fee included in this number, which also indicates that I am on time and current ). At the same time, online my log-in account with Selene Finance shows that no payment to come out until XXXX which would allow me an extra month to catch up due to me having two recorded payments, instead of this inaccurate promise {$1100.00} was taken very recently XX/XX/2022, from Selene Finance L Selene Fin XXXX XXXX My escrow account shows ( {$3400.00} ) needs to be audited/evaluated and the difference sent back to me immediately. There is no reason to have that much in the account for escrow. 
I am currently seeking {$2300.00} from Selene Finance because they have taken extra payments, not in agreement with my loan documents and verbiage. This is along the lines of predatory lending and my bank account is always at risk of overdraft or bouncing with these types of mismanagement. Any mistakes will start a foreclosure process.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (OH)

XX/XX/XXXX, XXXX and XXXX XXXX  my account had money deposited and within an hour of the deposit being made money started disappearing and US Bank informed me thats how their system is set up Really and thats how people end up over drafting their account because you take the money out and sometimes put it back in after a transaction or you just take the money I am missing within 3 days US Bank took an extra {$100.00} that wasnt for any pending transactions XX/XX/XXXX my balance was XXXX and it went to XXXX and an hour later XXXX. XX/XX/XXXX my balance was XXXX and went to XXXX mind you I had XXXX sent to my account the evening of the XXXX. XX/XX/XXXX my balance was XXXX and they allowed a transaction to occur with my card locked as well and it went to XXXX and back to XXXX. XX/XX/XXXX I had my direct deposit which was XXXX added to XXXX should have been XXXX instead my balance was XXXX after I paid XXXX for a transaction THIS NEEDS TO BE FIXED I have screenshots to prove it
Consumer complaint received 2022-11-10
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: CITIBANK, N.A. (FL)

MACY CREDIT DEPARTMENT, I tried for the last year to dispute account that doesnt belong to me, I even called them and paid them the balance of this unknown account, I got very frustrated because this account that doesnt belongs to me was hurting me, and my credit report, .Can you please ask the for proof and to delete this account off my credit report.thanks
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (TX)

I use to have an account with XXXX XXXX XXXX but I completely closed my account in 2021. 
MyFortiva Credit card decided to send me an active credit line of XXXX in my name claiming since I have been such a great customer I was rewarded a line of credit. 
I did not apply, consent, or want this credit card in any way. I called and they told me even over the phone that I did in fact close the account with XXXX in 2021. 
I immediately did a credit report and saw that this XXXX credit card was on it. Something, I did not apply for. 
They begin to tell me that I received emails that I am getting a new credit card in the mail and if I saw them. They even begin to tell me that it should not be a hard inquiry on my credit. 
I begin to tell them that there should not be an inquiry at all take it that I did not apply for the credit card. They even told me that they know I did not apply for the credit card but proceeded to send it to me because I had a good standing with XXXX. 
Again, not a credit card I applied for or wanted and that is now on my credit report. 
I was told to send my issues to an email and describing the situation to them and that they will get back to me in 1-2 business days with their investigation and final decision. 
Again, a credit line I DID NOT apply for or agree to. 
I am currently contacting them for the third time and sending my issues to this email they provided to me and I have made it clear to them about what they did was illegal and made clear The Truth In Lending Act. 
What I found to be also strange that they knew my new address of where I lived on top of it as I lived in another address when I used XXXX.
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, US DEPT OF EDUCATIONXXXX XXXX , US DEPT. OF EDUCATION/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
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX 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 USC 6802 A. may not disclose personal information.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information
Consumer complaint received 2022-11-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

LETTER OF INTENT TO SUE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX Effective Date : XX/XX/2022 RE : NOTICE OF INTENT TO FILE LAWSUIT Dear USAA Savings Bank This letter of intent to sue shall serve as a formal notice that XXXX XXXX XXXX intends to commence a lawsuit against you due to the following : The continued infringement upon my Federally Protected Consumer Rights Violations : 15 USC 1692a , 15 USC 1692d , 15 USC 1692a ( 2 ), 15 USC 1611, 15 USC 1611 ( 1 ), 15 USC 1611 ( 3 ), 15 USC 6809 ( 4 ), 15 USC 6809 ( 5 ), 15 USC 680a ( 4 ), 15 USC 6802a , 15 USC 6802b , 15 USC 6803 ( a ) ( 1 ), 15 USC 6803 ( a ) ( 2 ), 15 USC 6803 ( a ) ( 3 ) USAA Savings Bank , HAVE VIOLATED THE FEDERAL CONSUMER LAWS 14 TIMES. 

I. THE PLAINTIFF. XXXX XXXX XXXX ( the " Plaintiff* ). 

II. THE DEFENDANT. USAA SAVINGS BANK, ( the " Defendant '' ). 

IL. SETTLEMENT DEMAND. As a result of your actions, the Plaintiff is willing to resolve the matter by you meeting the following demands : I hereby grant " USAA SAVINGS BANK, ( " XXXX '' ), the opportunity to remedy this matter by Deletions from all consumer reporting agencies. 
Pay as per the attached invoice. Respect my Rights as a Consumer. 
This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for 15 days from the Effective Date. 
IV. GOVERNING LAW. This Letter of Intent shall be governed under the laws of the State of New Jersey. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

XXXX XXXX XX/XX/2022, I was in XXXX XXXX XXXX XXXX When I Returned, I contacted the customer service department of discover card. I inform the company that there were fraudulent transactions on my discover credit card. After the investigation the company found and reversed the transactions. This was a part of their resolution and sending me a new card. XXXX or XXXX the company decided to re-establish the charges and informed me that I have given a person permission to be an authorized user on the account. So, I was responsible for the charges. I asked the Company for the recording of my verbal signature or the document with my written signature giving discover and the other party permission to be a secondary authorized user. I have not received either one. I am still making payments on the account as of current.
Consumer complaint received 2023-06-12
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. (GA)

XXXX, TransUnion Credit Bureaus has fail to do an accurate and fair investigation on my XXXX XXXX XXXX  dispute. XXXX XXXX XXXX filed a 1099C and has stop all collections/ forgiven this account. This account is no longer a debt, It was claimed as income for 2022 tax year. XXXX has already deleted this account, but XXXX XXXX TransUnion has falsified information on their investigation. Income is not suppose to be report on a consumer credit report. 

Internal Revenue Service ( IRS ) Publication 525, " Taxable and Nontaxable Income, '' In general, a Form 1099-C, Cancellation of Debt, is used to report canceled or forgiven debts. The IRS generally considers canceled debt as taxable income, with certain exceptions. If a creditor cancels a debt you owe of {$600.00} or more, they are required to file Form 1099-C with the IRS and provide you a copy. The amount of canceled debt reported on Form 1099-C is generally included in your gross income, which means it may be subject to income tax.

However, there are some situations where canceled debt may be excluded from taxable income. These exceptions include : Debt canceled in a bankruptcy proceeding. 
Debt canceled when you were insolvent ( your liabilities exceeded your assets ). 
Certain farm indebtedness. 
Non-recourse loans ( loans for which the lender 's only recourse in case of default is to repossess the property that serves as collateral ). 
Qualified principal residence indebtedness ( canceled mortgage debt on your main home ). 
These exceptions and their specific requirements are detailed in IRS guidelines and should be reviewed carefully to determine if they apply to your situation.
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, UT XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type
Consumer complaint received 2022-11-10
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. (TX)

I have these hard inquiries that is reporting on my credit report that I do not recognize. I did not authorize these companies to pull my credit report nor did I sign any documents from these companies to access my credit report. Please have these hard inquiries removed from my credit report. The Fair Credit Reporting Act has strict limit on who can check my credit and under what circumstance. The law regulates credit reporting and ensures that only business entities with a specific, legitimate purpose, and not members of the general public, can check my credit without written permission. So have these hard inquiries REMOVED from my credit report. These are the Hard inquiries : XXXX ( on XX/XX/XXXX ). XXXX XXXX XXXX ( on XX/XX/XXXX ). XXXX XXXX XXXX ( on XX/XX/XXXX ). I would like an update of my credit report after all of the hard inquiries REMOVED.
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My information was included in the XXXX, transunion, and XXXX data breaches which caused my personal information to end up in the wrong hands. I notice some inaccurate and incomplete accounts on my credit report that I were unauthorized that I need removed immediately. I know that information on your credit report needs to be accurate, but the accounts listed on my reports are not accurate at all. I also sent letters to XXXX, XXXX, and transunion more than 30 days ago and the disregarded my disputes and kept reporting false, incomplete and inaccurate accounts. this is hurting my reputation with the banking system and hurting my chances at getting approved for a home loan. I need all inaccurate accounts and inquiries removed now
Consumer complaint received 2023-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Universal Account Servicing, LLC (CT)

Universal Account Servicing , LLC has stated that i owe them an alleged debt but I have never applied for any loan with them or signed a contract with them for a loan. I have written to Universal Account Servicing , LLC asking them to provide documentation showing that I have a contract with them for a alleged debt, which they have not provided me, and for them cease and desist but they continue to ignore me. See attached.
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (OH)

I am filing a complaint against AMSHER COLLECTION SERVICES INC, because they are attempting to collect a debt that I do not owe them. Account name : AMSHER COLLECTION SERVICES INC, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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 have repeatedly have been sending a 609 letter to both Transunion and XXXX for the charge off accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have yet to remove these charge offs that have 1099 being sent and they fail to do the work to verify and then sent me letters saying they were verified when in fact these account have been deemed charge off and they have already been paid and I have been taxed on these accounts. I have repeatedly reached out and to no avail have they removed these accounts and how can an account that is considered income be reported and is against fcra regulations and violates the law set forth for these actions
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023 my capital one secured card was closed. it is now XX/XX/2023 and I am still waiting for my secured deposit refund. I paid capital one off instantly as soon as they closed my account I expect my funds to be sent to me in a timely manner. 90 days is not a timely manner and I need the funds to cover other credit card balances.
Consumer complaint received 2016-01-21
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (UT)

In XXXX 2014, I purchased windows from The Home Depot. The Home Depot representative, XXXX XXXX, told me that the financing was 24 months interest free through The Home Depot card. When I received the first statement in XXXX 2014, it showed staggered interest rates, I contacted both CITI ( the underwriting bank ) and XXXX XXXX of The Home Depot. XXXX XXXX has repeatedly told me that there must be a mistake because it was supposed to be 24 months interest free. Every month since then, upon receiving the statement, I have contacted both CITI and The Home Depot. Every month, I was assured by The Home Depot that there was a mistake. However, I am now paying over 26 % interest. This is predatory and deceptive lending practices of CITI.
Consumer complaint received 2022-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was in federal prison from XXXX and Portfolio Recovery is collecting on a XXXX XXXX credit card on my credit. This is fraud from identity theft. I have not opened authorized or signed for this debt. Please remove it immediately and stop violating my rights
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (OH)

I previously sent a dispute letter addressed to you requesting that you update, and correct the disputed erroneous account that is reporting inaccurate information on my Credit file. I have read that you are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up on the previous CFPB complaint I submitted complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit Reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of the investigation. However, you have failed to send me copies of the documents they are required to send me and claimed that the accounts are verified. I am requesting the Credit Bureaus to please correct the listed account from my Credit report : XXXX XXXX Balance Owed : {$300.00}