davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OR)

THIS IS MY FRAUD CASE AGAINST WELLS FARGO BANK!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
Hi. Hey. My bank, Wells Fargo, has defrauded me of money and aided and abetted a bad online retailer named XXXX. I ordered an XXXX XXXX XXXX XXXX XXXX ( model XXXX car ) from XXXX online, but they never sent me an invoice showing I purchased the item from them to my email address : XXXX. So I filed a claim with Wells Fargo as this isn't normal for an online retailer to do so. And so you know, this retailer, a guy, at, " XXXX, '' gave me a ration of XXXX when I also told him to cancel my order. And for the record, and I will testify to this in front of a court, that I never received the item. But anyways, I thought my bank was going to stand behind me on this, but they wrongly stole the money from my account with them, and gave the bad guy/company a credit through a credit reversal. And tonight, on a recorded line with Wells Fargo, their female claims agent, XXXX, didn't want to assist me with this along with a male customer service agent named XXXX. And both sounded XXXX. And if you listen to the recorded conversation with them, they were obviously obstructing justice and aiding and abetting the bad retailer above. And just so you know, and for the record, I am a real life surviving XXXX of 10 years. And I have reported this to local law enforcement, the FBI, and some other law enforcement agencies in Oregon and California. And I am trying to get someone in the media to do my story about it. But anyways, I am also retired on SSI and EBT cash food stamps through the State of Oregon 's XXXX & XXXX Services. So anyways, I want justice to get my money back that has been wrongfully stolen from me from my bank who won't cooperate. And you really need to hear the recorded conversations of these two evil bank representatives as well sd a judge. And I would sure love to have a proper D.A. file criminal charges on these two bad guys/XXXX. Really. So I need your help. I can't believe my bank 's rep 's on this one. Not at all. And a Judge, and even a jury wouldn't XXXX it either as well as yourselves. So help me out, and give a call. And it is my cell phone. Additionally, please leave me a voicemail if I don't answer for some reason, and I will definitely get back to you. Really! I want not only my money back, but justice in this horrid situation in which I am going to fire my bank as soon as you advise me, or the D.A. in this case, to do so. And thanks in advance. Sincerely, XXXX XXXX
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

Citibank closed my checking and savings accounts due to XXXX issues. I contacted them to resolve the issue and provided all the information they needed, however my accounts still remain frozen and closed, and autodebits for my bills continue to be rejected, resulting in both fees from the bank as well as the billers. I have tried to call the XXXX XXXX XXXX and have even visited the branch but they have not re-opened my accounts.
Consumer complaint received 2019-11-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Resurgent Capital Services L.P. (TX)

I have no knowledge of a signed contract with this company. Im unaware of doing business with this company. Asking to please provide a signed contract with my signature on it. No a account or itemized statements will be validate. I have contacted this company and they have sent me a statement. I need proof.
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (TX)

This credit reporting agency has been furnishing unverified information on my report causing me to experience denials of extension of credit. 
I have not verified or approved ANY of the information that is being displayed through their agency. I would consider that fraud!
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

My account was hacked by hackers to send themself money from CHIME BANK. The scammers name was XXXX XXXX. They took XXXX XXXX They were XXXX XXXX posers and when I put my card information in there my money was stolen. No products, no sellers, just scams. I contacted CHIME BANK and after a few months of dispute requests they would not help.
Consumer complaint received 2023-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Name : XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/ I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. 
Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt.

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt.

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature.

I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete.

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.
Consumer complaint received 2021-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUDIT SYSTEMS,INC (WA)

Audit systems inc contacted me claiming they were debt collectors and used the name of a medical company I actually get supplies from. They said they were the second collection agency to receive my account. They wanted my credit card number to pay the debt. However, I did not owe anyone anything. They called me on XX/XX/XXXX, and I finally answered after receiving many more phone calls. They were very rude. I did verify my name and provided my address. Then, I realized there was no way I owed any money to a debt collector, as I always pay bills on time. Once I refused to cooperate further, they were very rude.
Consumer complaint received 2017-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

Complaint with Bayview loan servicing.LLC P.O.Box XXXX XXXX Mi, XXXX Company is located in Florida. Many many complaints, just look y=up. 

Please read this, this company Bayview loan servicing LLD, is in name only, they dp nothing but shuffle account around, no maintence, refusing payments. MAny homes are being foreclosed on. This company is a collection agency and A Mortgage CO. 

My issue is small I just need them to do an escrow analysis again, taxes are lower, refuses and payment went up {$200.00} I can not afford. Can not reach Anyone. I have faxed to them taxes still nothing. SOMEONE NEEDS TO STEP IN AND SHUT THEM DOWN. NOW MY ACCOUNT IS WITH AN ATTORNEY FOR FORECLOSURE. 
PEOPLE ARE LOSING THEIR HOMES. AND IT IS NOT CUSTOMERS FAULT. IF THIS COMPANY CONTINUES, THERE WILL MANY HOMELESS AND A CLASS ACTION. 
THIS COMPANY BOUGHT MORTGAGES FROM MANY GOOD BANKS, SO ALL THESE MORTGAGE LOANS ARE NOW CONSIDERED A COLLECTION ACCOUNT. 
AND SO MANY COMPLAINT ... XXXXi AM CALLING FLORIDA XXXX XXXX THIS IS AWFUL. i WORKED AT A BANK IN MORTGAGES AND CAN EASILY SEE THIS HAS TO STOP!!!! THIS IS A HUGE SCAM AND IT IS WITH PEOPLES HOMES!!!!
Consumer complaint received 2015-07-18
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX I paid submitted a payment for my Bank of America Credit Card on the Bank of America 's web page to be posted to my account for XXXX XXXX. Their web page said they had a new system to do this, then processed my request and gave me a confirmation number of XXXX. XX/XX/XXXX, I received a notice that I did not pay my credit card and they charged me a {$25.00} for a late payment fee. I contacted them and I told them I did submit a payment through their web page and gave them the confirmation number. They said they will look into it and it may take 10 business days. On XXXX XXXX I received a letter saying they can not find record of receiving a payment and that they can not investigate a payment through a third party vendor. They gave the incident case number XXXX. 

I did not use a third party vendor. I used their own web page. I had a confirmation number their own web page gave me. Their NEW system obviously made the error and never charged my checking account for the payment. I should not be fined {$25.00} for the glitches in their system.
Consumer complaint received 2021-12-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I have been trying to refinance my property for several months now and have been unable to do since my current mortgage company will not send me a copy of my forbearance letter which is needed to refinance. 

I have requested this 14 times and every time they say they will send it. It has not ever been received. Several times I have asked to speak with a supervisor, and the lower level people I am talking with tell me they can not do that and the supervisors do not take calls?? If they get paid to service my loan the least they can do is send me a copy of a mutually agreed upon form that everyone in there organization can see on their computer screen, but now one has the authority to send it to me? I have been handed off to several different departments and am always getting the same story. 

This is a company with bad policies that are not consumer oriented. I have been requesting this form since XXXX, and I am about to lose my second rate lock in a market where rates have increased dramatically. This is costing me money and a whole lot of time! I am hoping you can help me on this simple issue that should not have turned into a nightmare! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: VW Credit, Inc (CA)

XX/XX/XXXX : App filled out for vehicle loan for XXXX ( owned by VW ) at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Phone XXXX. 

Left dealership after receiving numbers for loan. Spoke with sales but not finance. Did not initial or sign with finance. Numbers run for specific model but had not decided on specific model. Was told by sales associate 'it could be adjusted later '. 

XX/XX/XXXX : Received credit denial from XXXX XXXX with credit hit and denial for 'Lack of Down Payment '. App number : XXXX. XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. Phone : XXXX Received no call between dates to ask whether I would be returning for vehicle. 

Left message for VW XX/XX/XXXX. 

Spoke with finance officer at dealership who became abusive when asked for reason for discrepancy in app paperwork fill out and submission. Stated app was finished. I never spoke with the finance officer, only a sales associate. Finance submitted app after period of 2 and half weeks with no contacts from dealer. I never signed the additional legal from the finance office. Finance officer when asked about this stated it was done 'to teach me a lesson '.
Consumer complaint received 2024-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

IDs XXXX XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION AS OF XX/XX/XXXX UPDATED TO XX/XX/XXXX this account is incorrect LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION
Consumer complaint received 2023-02-06
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. (LA)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MS)

CASHAPP is illegally withholding funds and is not allowing me to rightfully withdraw funds from my account. CASHAPP owned by BLOCK INC has not provided legal documentation to validate the lien on my account by a creditor that has not validated the debt pursuant 15 USC 1692g. According to the law a judgment from a court that has jurisdiction must be presented and accompanied with all documentation validating the debt. CASHAPP and BLOCK INC have caused great financial strain by denying me access to funds that rightfully belong to me. My rights as a consumer are being violated and CASHAPP/BLOCK INC are civilly liable to me for all damages caused by this inconvenience. This is to be considered my only attempt to amicably resolve this issue before I file a civil suit in court to receive remedy for this violation.
Consumer complaint received 2023-02-06
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. (GA)

I sent letters to all three credit reporting agencies stating the following : There are things on my credit report that I believe are inaccurate and false, I want you to know that I take my financial obligations very serious, and if it werent for these few inaccuracies, Id have an excellent repayment record. Please consider this a formal request to investigate and correct the following items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I ask that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1. Late payments XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX. Late Payments XXXX XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX. Late Payment XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX. Late payment XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX .Inconsistent open dates Throughout credit reports Not consistent among the three. 

XXXX. Inconsistent payment date Throughout credit reports Not consistent among the three. 

XXXX. Inquiries done by XXXX XXXXXXXX XXXX XXXX which I do not recognize.
Consumer complaint received 2023-05-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc. (CA)

So I have an account with cash app I had to completely make a new account because my card kept get hacked and I was losing money from my account now even with the new account I made it is still happening. I have reported several times to cash app support and when it first was happening 2019 they were actually good about refunding me recently its been happening with several different places just taking money off my card left n right and cash app keeps denying my disputes when I asked for documentation for why its being denied I was told they wud send it to me but I have never received it. The following places are some I dont even recognize such as XXXX, XXXX, XXXX, XXXX then theres XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  etc I keep my cash app card locked constantly cuz of these constant withdrawals I have ordered new cards and the same thing continues to happen I have asked for these merchants to be blocked but they are still charging my card I have asked what I should do and they dont give me an answer and I cant get ahold of anyone by phone for cash app now I have money on there still and my card doesnt show up anymore to even use the money left on the account when I try to order a new card it doesnt let me so now I guess they took away my card completely and arent letting me get a new one
Consumer complaint received 2024-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION AS OF XX/XX/XXXX UPDATED TO XX/XX/XXXX this account is incorrect LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION
Consumer complaint received 2022-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MD)

On XXXX the XXXX XXXX someone charged and order XXXX XXXX  on my account for {$43.00}, I have had 3 fraud and 3 dispute with them nothing has been resolved. It is now XXXX and they are saying the bill is still mine, I have written them a letter explaining that I didn't order nor received the item I have been saying this for the last two years they are now charging me late charges the amount today is XXXX ' I need help
Consumer complaint received 2019-11-24
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. (GA)

Multiple unauthorized inquiries listed on credit report. I disputed items with the credit bureau and was advised that the inquiries were authorized. I disputed again, asking for proof that the dispute was investigated. I never received any proof that the dispute was investigated, nor were the unauthorized inquiries removed. It is my contention, that without any proof that the dispute was never investigated and is a violation of the law.