davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Beyond devastated today Ive just received my eviction notice all due to Bank of America holding my money for there mistakes I have verified my identity there was unauthorized transactions Ive not gotten temporary credit Ive got a letter explaining that they would credit me as this goes under investigation I called to speak to a supervisor the supervisor has no knowledge of a letter so I faxed it over to her dated that Im supposed to be havjng temporary credit and I havent she then says my claim wasnt opened then she says shes gjnna file it then she says oh it is open and then I ask about if theres a reason why my card is blue she then had no knowledge as I was trying to make sure Im using the right card this is ridiculous I have police reports I have pictures of my place being badslkzed and door broken down and confirmation of a shaker from being charged for using my card from the police department and the detective Information and still isnt enough at this point idk what itll take its been about 4 months now me trying and trying to get my money from my account today I received eviction papers due to not paying rent because of all the confusion Bank of America has been giving me the calls are recorded pls listen to the recordings so you guys can see all the false informtation yoi guys have gave me and after verifying my identity still say that XXXX is a female on my file its been noted on a complaint on why they keep saying that and then they say Im expecting a deposit when the date comes nothinf tbere I recorded a letter saying its been credited and I received my statement on to where it says I would be credited temporary within 10 bussiness days and its been more than a month I then called Bank of America and she said that sometimes systems make mistakes as I explained these are people that leave money on yoi guys accounts theres no room for mistakes. People are supposed to trust there money bussiness in that way is beyond me this needs to be resolved immediately Ive have all the evidence and prove even worst is I was in Arizona when someone stoled my money that came from California, Ive now gotten in Que with XXXX XXXX news and Ive emailed them so my story gets heard and I know theres a lot more people in my situation so that something gets done .Ive included police report pictures of my place broken into where my infromtwtion was stolen Ive included the letter that I would be temporary credited and nothing I have gotten nothing idk what else needs to be done .hoping that this gets resolved before a media coverage where I can get more people involved that r in my situation all I want is what belongs to me and a bank that is trustworthy
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX : Account number : XXXX, 15 U.S.Code 1666b ( a ). 

XXXX XXXX XXXX Account number : XXXX, 15 USC 1692a ( 4 ). 

XXXX XXXX : Account number : XXXX, 15 USC 1692a ( 4 ). 

XXXX XXXX XXXX  ( Original XXXX XXXX XXXX BY XXXX ) : Account number : XXXX, 15 USC 1692a ( 4 ). 

XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, 15 USC 1692a ( 4 ). 

XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, 15 USC 1692a ( 4 ). 

I have reached out to Experian and followed the proper protocols that were required of me but no satisfactory results were given to me. Please VALIDATE, NOT VERIFY these accounts
Consumer complaint received 2023-01-20
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I opened an a student account with Wells Fargo while I was attending XXXX XXXX in XXXX, Fl. More than once fees were attached to my accounts ( savings and checking ) that I did not think were appropriate. My account was closed by Wells Fargo because of such fees and whatever money was in my account was taken to " cover '' such fees. This also happened to my daughter and son as they also had this kind of account.
Consumer complaint received 2021-12-20
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: EQUIFAX, INC. (VA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

On Tuesday, XXXX XXXX I contacted chase to inform and inquire them about a large deposit of 5000 dollars that was going to be deposited in my account and i wanted to know when the funds would be available. I was informed that the funds would be available immediately. I transferred the money into my account that evening, 2000  from XXXX and 3000 from XXXX  The next day my account was closed and the money disappeared. I was told on several different occasions the money was returned to me, that the money never hit my account and that i should see the money any day. As of today XXXX XXXX1i still do not have my money returned to me. I have contacted XXXX  and XXXX XXXXustomer service and neither of them sees any transaction from chase on the money coming back to me. They will not do any investigations just repeating the money was returned.and that the money never hit my account no one knows anything as to where my funds have gone and no one at chase is willing to put any effort on helping me trace where my funds have gone. I have uploaded correspondence from both XXXX and XXXX showing that the money was transferred into that account successfully. My account was closed without any notification or reason as to why but a couple days later i was told i could reopen the account which i refused. I would appreciate your immediate response to this complaint. Thank you
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OneMain Finance Corporation (TX)

HAVE SOME INQUIRIES REPORTING THAT I DIDN'T AUTHORIZE ON MY CREDIT REPORT., I NEVER GAVE WRITTEN PERMISSION FOR THOSE INQUIRIES TO EVEN OCCUR AND THEY SHOULD BE REMOVED FROM MY CREDIT..
Consumer complaint received 2021-12-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KS)

Please i need someone to help me here. I sent out my first dispute letter to Experian on XX/XX/2021 and again every single month up to XXXX and to this day i have never received any information on the investigation status, deletion status or even verified. There are 2 inaccurate accounts on my Experian report and they are listed bellow yet Experian or The companies have yet to verify these accounts. I am completely in the dark and it has been well over 30 days. 120 days to be exact and this is really stressing me out. They are reporting unverified inaccurate information and it is really hurting my credit score. How can i get them to remove the unverified information from my report? This is crazy how they can just drag me through the mud like this. They are in violation of 15 united states code 1681 ( a ) and at this point i think it's deliberate bc i have asked them to investigate over 4 times and still nothing.
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

My XXXX credit report is reflecting random fake payments ( mostly late ) on an account that was paid off and closed in XX/XX/XXXX. The lender, Capital One Auto, suddenly started reporting payments again in XXXX and continue to do so. I have sent numerous challenges to the creditor, but they keep responding that the information reported is accurate. I have also initiated several disputes with XXXX, but they keep saying the dispute has been resolved. Yet, the inaccurate information remains on my credit report. Neither the creditor nor the credit bureau have taken this investigation seriously, and my credit  score is being negatively impacted by the multiple recent delinquent payments that are being inaccurately reported. 

I am not sure how I am supposed to prove that I am NOT making payments to a creditor, but this information needs to be corrected. This has dragged on too long, and I dont even understand why a credit bureau would allow a creditor to randomly start reporting payments on an account that is reported as closed with a {$0.00} balance. The reporting even shows a status of Paid and Closed with a {$0.00} balance, and last activity in XX/XX/XXXX. So why are they reporting payments in XXXX and XXXX? These are completely made up payments, as I do not owe Capital One Auto any money, nor have I made any payments to them since XXXX. XXXX is the only credit bureau showing these fake late payments on my report. The other bureaus are reflecting the account accurately.
Consumer complaint received 2021-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2021 I received a Wells Fargo text message telling me someone was trying to XXXX XXXX dollars out of my account and do I authorize this yes or no I responded no within XXXX I received a phone call a rep. stating he was calling from Wells Fargo and he was calling to stop the transaction and that it was someone from XXXX bank trying to take money from my account they told me they put a hold on the transfer but in order for me to completely stop the transfer I would need to download the app and put the same amount to reverse the transfer and go through XXXX to do it, ( Now ) in the middle of rep talking to me I muted the call and called the number that he called me from XXXX just to make sure and the number connected me to a Wells Fargo branch and it did, so I believed the person. I did the first transfer in the amount of XXXX dollars but when I seen the money leave my account I became worried but the rep reassured me the money would go back into my account, but when my account wouldn't let me do the second transfer that's when my red flag went up the rep said it must be a system problem and he will put a hold on my account and call me back tomorrow same time. I called the bank immediately after the call from the number he called me from the rep told me it was a fraud call and she would have to write up a claim, Wells Fargo closed my case after 10 days but noted my file that it was fraud but since I did the transaction then I am responsible but they will try to get my money back from XXXX, but could not guarantee me anything. You gave advice to woman in XXXX who ended up on the news, I am asking for help XXXX dollars is a lot of money me, please help me.
Consumer complaint received 2021-12-20
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: Credence Resource Management, LLC (LA)

Credence put collection in the amount of {$700.00} on my credit reports without my knowledge ; in doing so Credence RM violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request the following information be verified : Full original account number date original account was opened written agreement between myself & original creditor stating the debt is owed Full account summary & itemized calculation of alleged debt Date of the first delinquency Dates and times of any phone calls made in attempt to contact me concerning the alleged debt and to what phone number, before it was reported to Credence RM ( proving that these calls were made in the times governed by FDCPA law ). 

If Credence RM is unable to provide the account information, this account must be deleted from all credit reporting agencies. I have filed a dispute with XXXX which is pending investigation ( tentative date of results is XX/XX/2022 ). Credence RM failed to follow FDCPA by not sending me a letter allowing me time to dispute or validate the alleged debt within the allowed time XXXX time frame that is allowed by law.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOWNE MORTGAGE COMPANY (IL)

In the process of trying to get a loan last week, I was informed by the Lender that my Current mortgage loan ( since XX/XX/2022 ) with Americu Mortgage does not appear in any of the credit report companies. I called Americu on Friday XX/XX/2022 for an explanation and was told that they will look into this. I called again today, Monday XX/XX/XXXX, and was told a ticket to look into this was in the company computer and it would take 72 hours to review it.

I am very concerned about this because it is affecting my credit score negatively. 

Isnt this illegal that they havent been reported my debt and monthly payments to the credit bureau since XXXX of this year. This really worries me. 

Looking forward to hearing from you. Thank you.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (FL)

A few days ago, I applied for a credit card. They did a credit check and immediately granted me a card with {$3000.00} line of credit. this small amount is meaningless to me and not worth having another company accessing my credit. Now, I don't even know what my card number is. I can't access them on the phone without a card number. I need to contact me about this credit limit and have no way of doing so. They accessed my credit information and now I have nothing in return. A {$3000.00} line of credit is meaningless.
Consumer complaint received 2019-09-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dream Center Education Holdings (PA)

I attended XXXX XXXX XX/XX/XXXX - to mid XX/XX/XXXX. I was using FASFA and other student aid that covered my tuition balanced. Fall / Winter of XX/XX/XXXX my school location XXXX XXXX was closed. XXXX XXXX   filled for bankruptcy which caused multiple campuses to close down. Due to the school closing and only being a semester away from obtaining my degree I could not and did not receive my XXXX from XXXX. On the FASA / STUDENT AID websites has laws and forms stating that if a school closes before obtaining a degree you do not have to pay your student loans back. This summer of XX/XX/XXXX Ive been contact and harassed by XXXX XXXX XXXX saying that I owe them money. Apparently XXXX sold my account balance or they bought out my balance ( that I do not owe ). When I explained to them why I shouldnt owe a balance I was accused of lying and acting immature. 

Being told by an employee of XXXX XXXX XXXX you need to stop acting immature and figure out how youre going to pay us our money ~ XXXX XXXX. 

Well, thats not true youre lying because XXXX XXXX is obviously still opened ~ XXXX XXXX Not only am I being harassed but the two phone calls that Ive received from them their behavior was disgustingly out of line. Also, being accused of lying and saying that I agreed to pay which I never agreed to. I have no choice to believe that XXXX XXXX XXXX is apart of the politics that are currently against my family. There is no reason on how I owe the XXXX XXXX money when I have documentation on my FASFA that my tuition was covered. I also received a grant from the XXXX XXXX that covered my art materials. There is no such thing as me owing a personal balance if there was no personal charge to begin with. Even in the document that was emailed to me the numbers did not make sense. I went to go review the document again and it appears as unavailable. It seems very suspicious and I believe they are messing with numbers. There is no way my account should have a charge or balance. Also, if I owed a balance to XXXX   I should not have ever received my official transcripts from them. 

This file contains my document that was emailed to me about my balances that is now no longer available. I cant even see my balance for myself. I do not trust this company at all! Seems very suspicious. Its no way I owe my school money at all. 

These are also the reviews about XXXX XXXX XXXX. Other people have experience this same tacky behavior and believe they are also suspicious.
Consumer complaint received 2023-07-31
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I made a payment for concert tickets via XXXX, so that I could take my mom to a concert. The tickets were {$200.00}. I contacted XXXX and Wells Fargo, my bank, and both declined to help.

Im out {$200.00} and my mother never made it to the concert.

Im heartbroken and feel violated by this.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to correct late open account on my credit report. Despite multiple communications and efforts on my part to rectify this issue, the problem persists, causing significant distress and harm to my financial standing. This complaint serves as a formal notification of the ongoing problem and my expectation for a prompt and effective resolution. 

I first discovered the presence of late open account on my credit report, which inaccurately reflect my financial history. Since then, I have diligently followed the proper procedures outlined by Credit Bureaus to dispute and rectify this inaccuracy. However, despite submitting all necessary documentation and evidence to support my case, the late open account remain on my credit report. 

I have contacted your customer service department on numerous occasions, spending considerable time and effort to resolve this matter, yet to no avail. Each interaction has been met with promises of investigation and resolution, yet the issue persists unresolved. 

The presence of this inaccurate late open account not only tarnishes my creditworthiness but also undermines my efforts to maintain a positive financial reputation. As a responsible consumer, I take great care in managing my finances and expect accurate reporting of my credit history. 

I demand immediate action to rectify this issue and ensure the accurate reporting of my credit history. Specifically, I request : The prompt correction of late open account from my credit report. 
Written confirmation of the correction and updated credit reports reflecting the correction. 
Compensation for any damages incurred as a result of the inaccurate reporting, including but not limited to, adverse effects on my credit score and financial opportunities. 
Failure to address this matter promptly will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to seek redress. 

I trust that you understand the urgency and seriousness of this matter and that you will take immediate steps to resolve it satisfactorily. I am asking for your assisstance to correct these account in my credit file : XXXX XXXX Balance : {$240.00}.
Consumer complaint received 2021-12-20
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: AMERICAN EXPRESS COMPANY (CA)

1/ On XX/XX/XXXX, a purchase of {$4000.00} was made on my Amex XXXX XXXX for a month-long stay at a long-term rental in XXXX XXXX. 

2/ At the time, I was in XXXX XXXX and I did not make this charge. I also did not have access to the card as I had requested a new, different card that had updated styling ( rose gold as opposed to gold card ). The charge was made without my knowledge and I did not have possession of the card at the time the charge took place according to records. 

3/ I was unaware that I was not liable for fraudulent charges, so I reached out to the merchant asking for a refund. They explained to me that the charge was made for a non-refundable room. They would not make any exceptions given that I did not make the charge, and encouraged me to reach out to my credit card company. 

4/ Given how shocked I was at this charge ( which is 3x my monthly income ), I tried to dispute the charge as opposed to requesting a fraud investigation. I was unaware that these were wholly separate processes. Given that it was a dispute, and that it was an " unrefundable account, '' I claimed that I had gotten a XXXX XXXXXXXX and due to force majure, I would not be able to attend the booking, seeking some type of protection. 

5/ It was not until I called one of the American-based representatives explaining the situation that they explained that this was not a dispute case, but a fraudulent case, but that because I had disputed it initially, it would be difficult for me to process my case in my favor. 

6/ The merchant 's supporting documents show my correspondence with them, but they also include an invoice. This invoice only has my correct first and last name, but does not include my correct email address, mailing address, IP address, or phone number. This should be adequate evidence to put the case in my favor as a fraudulent charge. The address and IP listed a residence and country code of XXXX. 

American Express is choosing to side with the merchant. It has been roughly 9 months since the original charge, and I am seeking government help to recitify this issue.