davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One has chosen to incorrectly side with the XXXX XXXX XXXX XXXX after being supplied more than ample information to show that the merchant did not provide the service contracted for, as they violated the terms of their own contract in damaging my property during the move they were hired for.

Capital One has been provided numerous photos of the damaged property, and was also provided a copy of a letter of settlement made between my attorney, XXXX XXXX XXXX XXXX XXXX XXXX  on my behalf, wherein they admit fault by paying out to me a partial amount of the claimed damages. 
With my attorney on the phone with me, we have made numerous attempts to get Capital One to explain why they are refusing to budge on their incorrect decision, and what criteria they are basing this decision on, as we have shown ample proof of the merchants liability for the damages they caused. 
Photos of the damaged property can be provided on request.
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

I have one student loan but it appears six times with different balances, two smaller amounts from the school that I never applied for a loan from them, or agreed to pay them any money, and then my student loan balance appears 4 times each claiming 120 days past due, the loan is ten years old and it was my belief that your credit report could only go back three years, but if the same company regularly reports that your 120 days past due every 120 days how is something suppose to ever fall off a credit report as the passers of the law intended if I am not mistaken. And then to have the same loan listed six different ways. It should be one strike on my credit if they go back 10 years but if they can only go back three years the student loan is from like XXXX  I believe so the debt is XXXX XXXX XXXX. I think my credit report should reflect that not make it look like it is a brand new balance every 120 days.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

This is my first bank account and I lost my job, i also lost my card due to my moving process. Overdraft fees was put onto my account that i didnt know of, also a fraudulent check was put onto my account which I had absolutely no clue of. I was getting paid monday so i can pay my overdrafts and i was informed by a representative that my account is in the process of shutting down. How do i reverse this?
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2022 my checking account was over drafted in the amount of {$180.00}. This amount, with the exception of about {$7.00} I think, was solely overdraft fees for insufficient funds. I tried to reach out to Wells Fargo to ask why so many fees had been charged when I only went into the negative by that aforementioned {$7.00} and they advised that every transaction that occurs when my account is over drafted receives a {$35.00} fee. I advised them I only had 1 or 2 transactions occur while overdrafted and they listed multiple others that had actually posted prior to my account being overdrafted and should not have received a fee. I closed my account and switched to a different bank after this happened.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (IN)

Came upon hardship to make payments. Sent what I could and vehicle repossessed. Vehicle was sold and they came after me with what they thought the value of vehicle. Was unable to pay it and it went to credit bureau which damaged my credit.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

To Whom it May Concern, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OHIO XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/1971 XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent utility bill for verification purposes, as required by the FCRA. Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. Thank you for your prompt attention to this matter.
Consumer complaint received 2022-09-15
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: Chime Financial Inc (KS)

This company has been the WORST EVER TO DEAL WITH.I had transactions from MONTHS AGO that I wasnt allowed to dispute on my Credit Builder Account because for some reason Chime wouldnt allow me to.so I reported them on here as well as the CFPB for their fraudulent and suspicious dealings. I have been missing for a long time my money, which totals up to {$1700.00} in unauthorized transactions on the Credit Builder account and It is UNACCEPTABLE!!!! I disputed because I got a message from Chime on here that I could FINALLY dispute these fraudulent transactions and guess what? Just like everyone else on here they denied it in less than 24 hoursI asked for the documentation supporting why they denied and they never provided nor did any of the documentation support their actions of denying my claim.!!!! I have had SO much trouble with this company and their lack of security to which if you look at all these complaints, most are about Chime not giving us our money back.its sad a company will really try and scam people out of their hard earned money when it is stolen from them. I am DEMANDING my {$1700.00} back IMMEDIATELY IN THE FORM OF A CHEXK EXPEDITED TO MY ADDRESS ON FILE OR YOU WILL BE SUED FOR FRAUD AND DAMAGES.!!!! This is not a game.! I want my money back IMMEDIATELY.! Send my funds expedited.! Hold up what you said you would or face the consequences up to the full extent of the law they will permit. I am listing the fraudulent transactions below : XX/XX/2021 - XXXX XXXX XXXX - {$600.00} XX/XX/2021 - XXXX XXXX - {$270.00} XX/XX/2021 - XXXX XXXX XXXX XXXX - {$67.00} XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX - {$68.00} XX/XX/2021 - XXXX XXXX XXXX - {$520.00} XXXX XXXX XXXX {$100.00} XX/XX/2021 - XXXX XXXX  - {$88.00}
Consumer complaint received 2023-01-21
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. (MN)

XXXX Re- Equifax I want to personally for finally providing a letter of explanation but however I disagree with your findings. Due to multiple violations of the FCRA on your behalf! 

1. Your office removed chapter 7 public record XXXX on XX/XX/2021 on XX/XX/2021 the public record was reinserted without 5 days notice of the reinsertion! 

2 ) under section 609a ( 2 ) to request and for you to provide me with the following information within 15 days from the bankruptcy court as to why did they have you re-insert the public record back on the credit report your office refuse to respond with any of the information requested of you!

3 ) The required notice of dispute was never entered after your 30 days of completion of the investigation FCRA 623 ( a ) ( 3 ) is very clear! 
Your office and the only credit reporting office enters reinvestigation consumer disputes. But each complete investigation must states consumer dispute meets FCRA requirements 30 days after the completion of your investigation! 

In your recent complaint you stated that you use a third-party vendor which is XXXX XXXX to make changes deletions etc. there is no way that XXXX could change any information on anything thats being reported by the court so this is a false statement! The court is the original furnisher of the public record and they would be the only one to make any type changes on any public record. And Equifax I asked all of you to be respectful and remove this public record from my credit file due to the violations listed above! You have not provided me with any direct information that I requested under sections of the FCRA and statutes therefore This public record needs to be immediately removed. I have provided you with a letter indicating that the courthouse does not speak to any reporting agencies thats how I know that they did not have you re-insert the public record and again they would be the only one that would be able to have you re-insert that thats why no notification was sent and thats why you refuse to go to the courthouse to provide me with any of the information listed above again please immediately remove this public record from my credit report because due to the violations you were in violating my silver rights and my personal life thank you very much XXXX
Consumer complaint received 2023-12-30
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have already filed one complaint here and the case was closed. They said they sent a settlement and consent judgement on or around XXXX XXXX and that they havent received it back from me. I got this letter on XXXX XXXX and sent it back signed immediatley. I dont know why they are saying they havent received it. I hope they are not lying because they want this to go to court or a default judgement. Please look further and find the signed paper I sent back. I have already made 3 payments towards this agreement and they have readily taken it out.
Consumer complaint received 2023-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (CA)

I made an online banking transfer to my other bank on XX/XX/XXXX the next day I realized that its going to be too late as I need the funds on XX/XX/XXXX not XX/XX/XXXX. I checked the online banking if there is a way to cancel this transaction like my other bank does but not thru Wells Fargo online banking. The money was already deducted to my account but it is not yet transferred on my receiving bank. I called customer service but they said once its initiated there is no longer a way to cancel it. 
I believe this is a violation of EFTA and Consumer protection as I no longer have access to my money but I can not cancel the transaction. Even checks there is a way to request for a stop payment because its just a presentment until it clears. I believe so as an EFT Transfer its deducted to my account but not yet received by the other bank so it sits somewhere its not even 24 hours. 
I have account in another bank and I have a screenshot that while its in the process I have the option to cancel the transaction but Wells Fargo online banking does not have that option.

Please comment and investigate because Im sure in not the only consumer who experience this.
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony bank TJMaxx XXXX was closed without my knowledge or even a notice, I was checking my accounts and noticed it. Last weekend I checked my account and it wasn't paid with autopay that I set up in XXXX when I changed my bank account through their automated system, I also made the payment in XXXX. In XXXX when I noticed it didn't autopay ( last week ) I called them, made the payment and found out their system didn't change my mailing address or my bank account. While on the phone with them we fixed the address, banking information, I made my payment and disputed the {$38.00} fee they charged me for being late. I explained what I said above and they said they removed but that is when they probably closed my account behind my back. Last night when I. checked my credit report my points went down and when I saw Synchrony closed my tj max I was flabbergasted. I called them and they said I have 3 returned payments and there is nothing they can do. One was in XX/XX/2022, XXXX in for XXXX this year that I didn't even know about and XXXX 's payment wasn't done and I realized that ( last weekend ) that is when I called them. Synchrony bank hurt me during Covid by cutting my available credit in half even though I was in good standing. This system is destroying my ability to move forward in life and I beg you to please see what they are doing to hold me down. Their system did not make the changes I put in, I have even had a problem setting up autopay In the past just to be charged the hefty late fees. Please investigate them and open my old complaint if you can. Thank you for your valuable time.
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2019-02-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Financial Service Center of Ohio, LLC (OH)

I took out a title loan for my ex-husband at the time of the loan I was not employed. XXXX  did not verify if I had income as a means to repay the loan. XXXX  did however verify my at the time husband 's income. As well as had my husband sign a power of attorney. My husband and I are now divorced, and not to mention at time of the said loan in XX/XX/2018 I was partial in patient for XXXX XXXX reasons. Now the company is threatening to repo car. Was divorced less than month after the loan due to XXXX  XXXX. I haven't worked for two years because I'm XXXX.
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WV)

My Aunt died in XXXX of XXXX. As XXXX of my aunt 's estate, Wells Fargo locked me out of my aunt 's home during listing in XXXX, denied that they locked the house even though their letter was posted inside the front window, I went through all required steps for weeks to get the issue resolved. Wells Fargo called me a liar, denied photo evidence, visited the site and blocked my ability to sell the property then foreclosed the loan. I had Escalated Teams assisting. The team member quit returning my calls after the lockup. They state loan acquisition XX/XX/XXXX. This caused me to not be able to sell the home, satisfy the loan or produce sufficient funds to allow disbursement to devisees. To say that was a horrible time in my life is an understatement. Wells Fargo disallowed me the chance to meet her dying wishes and destroyed my emotional health. The home loan was XXXX the assessed value was XXXX in XXXX.
Consumer complaint received 2021-09-30
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. (MI)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me? I need answers now!
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Today at XXXX XXXX, we contacted XXXX. We've been waiting for over XXXX  months. To be able to see our score online so that we may be able to also look at any discrepancies on. Are credit file XXXX  facts will not despite us uploading a lease to them, allow us to see our scores. We were told by the first person of a month ago that we would be able to see our score the following day. When the following day came, we were not able to see our scores. And we did a week to call in again. Since folk XXXX, another representative who told us that we needed to upload proof of registered sea, so we sent over our lease. Weeks later, we continue to have the issue and contacted someone on today. 
They relayed the information and the address. XXXX facts and XXXX will would not unlock our files, so they we could see it.
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX The accounts in question are as follows : Account name : XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX, Account XXXX XXXXXXXX Account name XXXX XXXX XXXX Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX, Account XXXX XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX, Account XXXX XXXX Account name : XXXX, Account XXXX XXXXXXXX -- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY!

78.91
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-01-14
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. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!