davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (CA)

Fraudulent cash advances ( XXXX ) -on our Wells ( WFB ) credit card-datesXXXX & XXXX. I was out of state ( CA ) w/limited computer access XXXX to XXXX-in CA on XXXX, but no cptr. access that day. Neither me nor my husband generated the fcas. I =never make cash advances on our credit card=. We're living on a fixed income & I'm paying down, not increasing, all our credit card debt. My understanding fr WFB-2 separate fcas ( {$6000.00} and {$2300.00}, {$8300.00} in total ) were made online. S'one hacked my online acct- {$8300.00} was transferred ( not by me or my husband ) to our WFB checking acct. My husband =never banks online=. =He doesn't know my WFB user id or pass-word=. I contacted WFB 's fraud folks by phone re this Sat. XXXXthis was after I was at an WFB ATM getting cash-I saw a large balance in our primary checking acct-per WFB 's records our balance was + $ XXXXthis was due to 1 of the XXXX XXXX & transfers.Meanwhile, the balance on our credit card was + {$8300.00}. I was out of CA 1st on vacation, and, then, a week later out of CA ( in MD ) for my uncle 's funeral. This couldn't have happened at a worse time. I : reported this reported this to : the itc3.gov site ( FBI ), WFB 's management, board & phishing folks, XXXX XXXX XXXX XXXX 's office, XXXX, CA Police. & CA state AG 's office.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX  reported on Equifax that I owe {$420.00} which is incorrect I Called XXXX XXXX XXXX XXXX  showed proof that I had video recording of me dropping the dropbox off XXXX XXXX company telephone number They change the price from XXXX to XXXX which I do have proof of I also pay them every single XXXX of {$190.00} I have my proof of receipt from the company by email They did say theyre reporting this to the credit bureau to have taken off But I reached out to have this taken off which Equifax credit plays said they would investigate and do so and they failed to do so Every time I try to get in contact with them they will not respond This is hurting my credit for unjustified reporting fraudulent report Keeping incorrect information on my account is hurtful I have proof if Im able to upload I would like to show everything please
Consumer complaint received 2024-03-13
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. (MI)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.

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 2023-10-27
Product: Debt or credit management — Student loan debt relief
Issue: Didn't provide services promised — 
Company: Bright Capital Inc (MD)

I was utilizing Bright Money to help pay my student debts. In dealing with them, I have found that their level customer service ( which is poor and non-existent ) is not what I want in someone whos handling my money or my financial affairs- especially with an important debt like student loans. After numerous emails dating XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting a refund- {$740.00} which has been withdrawn from my personal checking and was held in a account with Bright Money. I cancelled my account with Bright Money on or around XXXX and I have yet to receive my refund of {$740.00}. When you contact them XX/XX/XXXX times, you get an automated VM stating to contact them via email. Then, you if you do manage to get someone ( XXXX ) XXXX they can not do anything and always state theyll escalate your concern to the next higher level. My question is if youre a reputable financial institution, how hard is it to refund someones money when its so easy for you as a company to withdraw the funds from my account.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Citi Bank, per my citi MasterCard has liquidated my account, and online services and ability to pay by phone 24/7 ( through an automated system ) has be discontinued. NOTE the account was closed in XXXX during the financial crisis because the credit card wanted to increase my interest for no valid reason or gave me the option to close to prevent the increase. But now Citi has liquidated this account, when it is almost paid-off and payment options are so poor, it sets one up to miss making a payment. 
The service phone number on my statement takes me to agents who can not find my account or help me. I work during the day and the only time the phone line is available for service is during business hours and I struggle to call during breaks at work and this is not how customer service should occur.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Consumer Financial Protection Bureau, I am writing to file an extensive complaint against Bank of America for their unacceptable handling of a dispute regarding a debt of {$3600.00} XXXX strongly believe that Bank of America has violated my consumer rights by frivolously claiming the debt to be valid without proper investigation and accuracy. 

I am extremely disappointed with the way Bank of America has handled my dispute. During the initial investigation, I was not given the opportunity to provide my side of the story and deny the information that was presented to them. To make matters worse, Bank of America never even asked if my mobile device was stolen or if any other Apple products connected to my icloud account, which also receive messages including texts, were stolen. This is concerning as my iPhone is not the only device that receives text messages. 

As a consumer, I have the right to expect that my financial institution will investigate disputes in a fair and impartial manner. Bank of America has failed to exercise their grave responsibility to ensure the accuracy of information and investigate my dispute with fairness and impartiality. Their actions have caused me immense stress and financial hardship, and I demand that they rectify this situation immediately. 

I respectfully request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take necessary actions to hold Bank of America accountable for their actions. Additionally, I respectfully request that Bank of America be instructed to reopen my claim ID # XXXX and investigate my dispute with the fairness and impartiality that it deserves. 

I HAVE PROVIDED DOCUMENTATION AND PROOF FROM MY ICLOUD ACCOUNT THAT THE DEVICE WAS STOLEN AND ERASED FROM MY ICLOUD ACCOUNT TO PREVENT FURTHER IDENTITY THEFT AND FRAUDULENT AND UNAUTHORIZED TRANSACTIONS. PDF ALSO SHOWS EMAIL ASSOCIATED WITH BANK OF AMERICA AND ICLOUD ACCOUNT TO PROVE THAT THE DEVICE DID BELONG TO ME. 

Thank you for your time and consideration.
Consumer complaint received 2022-05-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Early Warning Services, LLC (CA)

I received a email from zelle and I called the support number which is when I tried to explain that they have the wrong email and I don't have a zelle account which is when I was called a bunch of XXXX and XXXX  that it is My account I  XXXX XXXX My kids are XXXX  so I hung up and made a police report along with the email address which it came from.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

They were holding my paycheck because they said that there was a problem with the issuer. I called my companys payroll and they told me that there was no problem with my check. I asked Wellsfargo for an explanation of why theyre holding my check, but nobody can give me any explantions at all. Like they make me feel like they can just hold my check whenever they feel like it. I was charged more than {$400.00} dollars for overdraft fee because all my automatic payment were withdrawn and they told me they can do nothing to stop it!
Consumer complaint received 2019-09-03
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. (MD)

n XX/XX/2019, the President shut down the federal government for a month and a half. Because of this I couldn't maintain my mortgage because we didn't get paid 2 checks. XXXX put me on a Forbearance plan until XX/XX/2019. Those missed months will be worked into a Home Modification plan in XX/XX/2019. When XXXX came, XXXX XXXX  took over from XXXX with my account and start the process for Loss Mitigation plan. I was to maintain my $ XXXX monthly payment and try to catch up the {$8000.00} balance from the miss months. I was told that because I'm in this process of sending documents to their underwriters and maintaining my monthly payments. They wouldn't report any 30 day late payments. Well I didn't miss any payments and I just finally paid the entire balance in XX/XX/2019. They are still working on my Loss Mitigation/Home Modification package. Last week, XXXX account report a 30 days late from XXXX XXXX  on my XXXX  and XXXX and dropped my score 64 points. This should be removed based on the information I stated and was told. I'm including documentation.
Consumer complaint received 2019-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (PA)

Collections account from DIVERSIFIED CONSULTNTS {$1300.00} 1yr 2 months current age Collections account from XXXX XXXX XXXX {$610.00} 5 months current age With a total of {$1900.00} in debt that is not mine I have no knowledge of these accounts at all
Consumer complaint received 2023-02-02
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)

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. 

XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-02
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2019 I experienced hardship due to the XXXX shut down that had taken place. I called into XXXX XXXX and spoke with a Representative who advised he was not able to assist me. When logging in to make my monthly payment the option for a payment arrangement was offered. At NO point did it mention by signing up with this payment plan I would be reported late to the credit bureaus. I received Multiple 30 day lateness on my credit report. For the month of XXXX, XXXX and XXXX.
Consumer complaint received 2017-11-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

Hi my name is XXXX XXXX i had a operation in XXXX XXXX  2016. In XXXX XXXX XXXX zip XXXX.I paid some bills up front and am paying off others.After the first time i saw this on my credit report i called XXXX XXXX and they said they never put anything in collections. I paid off the XXXX bill have a receipt. I am paying off doctor and hospital bill.So i believe this is an attempt to collect money i do not owe. This is bringing my credit score down, you can see i have a good score i worked hard to get it back to where it is at .And i do not appreciate it. I never got a bill telling me what this is supposedly for, so i would appreciate your help .Thank you
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

I had an open checking account with Wells Fargo until XXXX my charges were not being processed by the time I made it, but rather by the amounts being spent, strategically causing an overdraft and overdraft fees which would make me actually overdraft and then cause another overdraft fee. This caused my account to fall severely in the negative causing the account to be frozen, ultimately closing my account.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

In XXXX of XXXX, a delinquent debt was reported to all three major credit bureaus through a debt collection company originating from a disputed fraudulent bill tied to a landlord tenant dispute ( I was the tenant ). This action caused a significant drop to my credit score across all three major credit bureaus, ranging from XXXX points. Through almost 18 months of disputes with the original creditor, as well as multiple lawsuits against them, this debt was settled in my favor. One of the stipulations of this settlement was that the original creditor would have this delinquent debt completely removed from my credit history. After another 4 months, about a dozen direct disputes with each of the major credit bureaus, and the threat of additional lawsuits, the debt was finally removed from my credit history in early XXXX of XXXX. To my astonishment, the removal of this debt, the only negative item on my credit report, had XXXX impact on my overall score, meaning the XXXX points that I lost were not returned. I sent requests to all three major credit bureaus to have my score reviewed and recalculated and have not received a reply, nor seen any improvement to my credit score. Additionally, I can not find any other method to directly dispute my score alone, only reported debts. I acknowledge that the algorithm used to calculate my score is more complicated than I will ever fully understand, however it seems a reasonable assumption that if you are going to drop my score immediately and punish me for a fraudulent debt that was not my responsibility, when that debt is completely removed, my score would recover immediately as well. I do not know what else to do to get a resolution to this matter and appreciate any assistance you can provide.
Consumer complaint received 2017-06-21
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: JPMORGAN CHASE & CO. (OH)

On XXXX XXXX,2017 I called Amazon chase company asked what the pay off was. They gave me the amount in which I paid ofc account. I then receive a bill for a interest payment for the next month. When card was paid off.
Consumer complaint received 2023-01-18
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. (TX)

I recently checked my credit and discovered 4 open accounts XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX collection. These accounts haven been open without my permission I have no relationship with any of these companies.
Consumer complaint received 2019-09-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a fraudulent inquiry on my report from XXXX XXXX. Each bureau was sent a deletion letter on XX/XX/XXXX from XXXX, who had already identified it as fraudulent. 

To this date, the inquiry remains on my report and it is affecting my ability to refinance my house. 

I have tried disputing the information with Transunion but they don't have a mechanism to do this online or over the phone, and won't provide any information. 

My XXXX online account has been compromised - despite having a secure password, the email address was somehow changed on my account without my knowledge, and any username/password requests go to a different email and there is no mechanism to disable the account or create a new one. And there is no way to talk to a customer service human on the phone. 

XXXX does not allow you to upload any supporting documentation for an inquiry, so they immediately close a dispute without any resolution despite receiving a deletion letter.
Consumer complaint received 2017-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

{$460.00} was charged to my account this month when I tried to close my Wells Fargo account. There is a savings account that Wells Fargo opened in my name that I have not ever been able to access. When this account is used to pay for overdraft fees for my checking account there is a {$12.00} charge to use the money. I am a XXXX XXXX person that has been taken advantage of by Wells Fargo. Wells Fargo has been charging me outrages fees since I opened this account and every time I have tried to close my account they have made it impossible.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I charged a trip through a travel agency out of XXXX XXXX at XXXX per month on my Capitol One credit card. The monthly charges came out to about a little over XXXX. The travel company became insolvent on XX/XX/XXXX ; so I was not aware they were not going to refund any monies to me. My trip was moved to XX/XX/XXXX. Capitol One stated I did not file the dispute in a timely manner and refuse to charge back the funds to my account ; which put me way over my approved balance. The company kept changing my tour dates and in good faith I expected my tour to go forward. Capitol One has continued to deny to pay me back the funds for a service I in good faith did not receive
Consumer complaint received 2019-09-03
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. (MD)

n XX/XX/2019, the President shut down the XXXX XXXX for a month and a half. Because of this I couldn't maintain my mortgage because we didn't get paid 2 checks. XXXX put me on a Forbearance plan until XX/XX/2019. Those missed months will be worked into a Home Modification plan in XX/XX/2019. When XXXX came, XXXX XXXX took over from XXXX with my account and start the process for Loss Mitigation plan. I was to maintain my $ XXXX monthly payment and try to catch up the {$8000.00} balance from the miss months. I was told that because I'm in this process of sending documents to their underwriters and maintaining my monthly payments. They wouldn't report any 30 day late payments. Well I didn't miss any payments and I just finally paid the entire balance in XX/XX/2019. They are still working on my Loss Mitigation/Home Modification package. Last week, Myfico account report a 30 days late from XXXX XXXX on my XXXX and Transunion and dropped my score 64 points. This should be removed based on the information I stated and was told. I'm including documentation.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXXXXXX SAID THAT I OWE THEM XXXX DOLLARS FOR RENT THAT IS NO WAY POSSIBLE THEY STOP TAKING MY PAYMENTS AND WOULD NOT TAKE THE LADY THAT I DEALT WITH I DONT REMEBER HER NAME, BUT THEY DID ME WRONG, AND THIS IS NOT THE RIGHT PRICE AND NBEED TO BE DELETED IMMEDIATELY BECAUSE THEY WOULD have BEEN DONE PUT ME OUT WAY BEFORE THIS BECAME THIS AMOUNT