davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

For the second time Wells Fargo again refused to respond to my issue THE ANSWER WAS A COPY AND PASTE STANDARD ANSWER HAS NOTHING TO DO WITH THE SUBJECT OF MY COMPLAINT., Case Number : XXXX & XXXX. XXXX which brought me here. XX/XX/XXXX, at XXXX XXXX This was the first time I entered a Wells Fargo branch since XXXX. At my visit to branch # XXXX in XXXX, CA, I found out that my teller machine card was expired, I requested from the employee at the window to order my replacement card. The employee requested help from the branch manager, who, after looking at my account, told me that he can not order a teller machine card from his computer and that in order for me to order a new card, I MUST MAKE AN APPOINTMENT AND SIT WITH A BANKER.He then proceeded to tell me that no appointments are available soon, but he can put me on a waiting list and get me to meet a banker faster than making an appointment. which I found it ODD because i have been with Wells Fargo for more than 35 years. Usually they want you to sit with a banker to try to convince you to open more accounts that you do not need and to make investments that profit the bankers. I WANT TO KNOW : 1- WHY DID THE MANAGER AT THE BRANCH TELL ME THAT I NEEDED AN APPOINTMENT TO SIT WITH A BANKER JUST TO RENEW MY TELLER MACHINE CARD? It must be a hidden reason that benefits the banker. 2- DOES THIS MANAGER THINK I AM XXXX  TO TELL ME THAT HE CAN NOT RENEW MY CARD ON HIS COMPUTER? 3- HOW COME WHEN I WENT OUTSIDE OF THE BRANCH AND CALLED CUSTOMER SERVICE XXXX THE CUSTOMER SERVICE RENEWED MY CARD IN 30 SECOND PHONE CALL? 4- WHY DOES THE MANAGER OF THE BRANCH HAVE NO EXPERIENCE AND NOT KNOW HOW TO RENEW A TELLER MACHINE CARD? 5- IS WELLS FARGO HIRING MANAGERS FOR THE BRANCHES WITH NO EXPERIENCE SIMILAR TO THE ONE WHO JUST ANSWERED MY COMPLAINT AND THE ONE WHO TOLD ME HE CAN NOT RENEW MY TELLER MACHINE CARD ON HIS COMPUTER?, 6- WHY HAS WELLS FARGO REFUSED TO INVESTIGATE THIS POSSIBLE MISCONDUCT? This was the answer of the Executive FROM XXXX XXXX Case Specialist who did not address my complaint properly, refused to forward my complaint to a XXXXnager, and refused to investigate. the executive WORKING FROM HOME office case specialist response was a copy and paste standard answer that they send to everyone. - { Thank you for your patience while we looked into your concerns. Weve completed our research and are ready to share our findings. Were sorry for any service concerns you may have experienced when you attempted to get assistance at a Wells Fargo Branch. We strive to provide exceptional service, and its disappointing to learn we didnt meet this expectation. Were constantly reviewing and revising our practices and procedures to improve the customers experience, and we appreciate any input that helps us do this.
Consumer complaint received 2023-07-15
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: EQUIFAX, INC. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying accounts recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00}
Consumer complaint received 2020-11-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation (VA)

Between XXXX & XXXX of 2019 I went and applied for a payday loan here in XXXX XXXXXX/XX/XXXX at One Main Financial Services. I've dealt with this company before in serval accessions when needed. I borrowed a payday lone in which I was paying them on time. My complaint basically is that I feel I was forced into this Dept. situation in which I also know I am a fault. I strongly believe that the amount I originally applied for was not giving to me. At that time I was going through other crises both mentally and financially. I ended up going through a consolidation agency and was able to consolidate almost all of the accounts owed. One Main Financial took my account to a collection agency. I believe this agency is over charging both in interest and in money totally owed. During this pandemic that is already happening is there anything I can do or sue this collectors agency? I already started paying them the arrangement made through my council Help?
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

XXXX XXXX Comenity Bank Bill dated XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$19.00} charged {$19.00} Balance XX/XX/XXXX I Paid {$19.00} I did pay this bill late, my mother passed, my father and his wife were ill and I got XXXX. I did open the mail late, but I paid it as soon as I saw it. 

Bill dated XX/XX/XXXX XX/XX/XXXX Late fee {$19.00} charged XX/XX/XXXX Minimum Interest Charge {$2.00} charged {$40.00} Balance Bill dated XX/XX/XXXX XX/XX/XXXX Payment {$19.00} XX/XX/XXXX Late Fee {$37.00} charged XX/XX/XXXX Minimum Interest Charge {$2.00} charged {$60.00} Balance I called I this point and asked that the Late fees be removed. they agreed to removed one, Leaving a balance of {$23.00} per my phone call. I asked that my account be closed, I paid this {$23.00} the same day. 

XX/XX/XXXX Letter stating, they could not close my account as I had a XXXX cent credit balance! 

I called again, asking that a XXXX check be sent to me and the account closed. 

Statement dated XX/XX/XXXX XX/XX/XXXX Payment {$23.00} XX/XX/XXXX Finance Charge XXXX XX/XX/XXXX Refund of Late Fee - {$37.00} XX/XX/XXXX Refunds XXXX {$2.00} Balance Called again, to have this balance removed and account closed. Most of these are junk fees, far greater than the {$19.00} " membership fee '', I was originally billed for. This is the one and only late payment I have ever had. Every other bill I have connects directly to my bank and are paid directly.
Consumer complaint received 2023-01-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Clark County Collection Service (NV)

Clark County Collections Services sent me a judgement for a debt back in XXXX for a XXXX I had XXXX XXXX XXXX XXXX  I called Clark County Collections and informed the company that i did not recall the debt because the information they provided me was not regarding my XXXX. However, after I called the XXXX  I was informed that the bill was due to the XXXX  XXXX I had. I then called them back and informed them I was on Social security and I had limited income but could pay {$50.00} a month. I asked the representative if I needed to contact the courts or reply to the courts and he indicated that I did not by contacting him and setting up arrangements the judgement will not proceed. I then was told that I would need to come into the office to sign an agreement. I went to the office on XX/XX/XXXX and was asked to sign a paper and give a copy of my license and was told the representative would not speak with me until i complied. The representative then came out and said that management has proceeded with the judgement. I am attaching the record showing that the judgement did not proceed until after i went to the office. This is now on my credit report which was never put on the report prior to this event.
Consumer complaint received 2023-01-21
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: WELLS FARGO & COMPANY (CA)

Somebody used my car and wells fargo charged me with interest and fees couldnt pay they got a me refund but took so long and didnt get the entire refund went to collections and still struggling
Consumer complaint received 2022-11-05
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)

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 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MN)

XX/XX/XXXX I opened my bank account and noticed some suspicious transactions. The amount was {$14000.00}. Someone had done an external debit transfer and I did not receive any text messages in this regards. I called the bank. I asked them to freeze outgoing transactions. Next day XX/XX/XXXX, They took notes and filed a claim. They told me new accounts will be created and I needed to sign some documents. I called every since then till Tuesday XX/XX/XXXX. They kept giving me different information. They also said since there is an issue on their system, this debit external transfer is new I will get all my money back that was taken. Today XX/XX/XXXX when I called them they said investigator has denied {$9500.00}. I told the bank there was no text messages as I rely on that and how come their system can allow these external transfers to go to an unknown person. There is no profiile matching and this is a security breach. The bank said they are just front line and the notes that had was vague for ex someone used my IP address, I have virus software and use VPN to avoid this from happening, I have low vision so I am expecting Banks to safe guard my hard earned money. Now its so difficult to get my money back and US bank has not been helpful.
Consumer complaint received 2022-11-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ... .. XXXX ) The description of the procedure used to determine the accuracy and completeness of the information. XXXX ) Name, address, and telephone number of each person contacted regarding this alleged account. XXXX ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. XXXX ) proof they are authorized to collect the debt. They failed to provide any of the above information.THEY HAVE NOT RESPONDED TO MY LAST REQUEST THUS, BY LAW, THIS ACCOUNT MUST BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-05-14
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (IL)

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022, its been way over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights.
Consumer complaint received 2023-06-06
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. (CA)

Based on my file i see inaccurate information on my report showing nevagtive items that needs to be removed. 

these accpunts 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 ) Inaccordance with the writtne instruction of the consumerto whom is relates. I NEVER GAVE ANY CONSUME REPORTING AGENCY WRITTEN CONSENT to report anything on my consumer report which violated my rights as a federal

protected consumer. 15 U.S CODE 1681c- 2 a consumer reporting agency shall block the reporting ofanyinformation in the file of a consumer that the co
nsumer identiflies as information that result from an alleged identify theft, not later than 4 business days after date of receipt. 

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
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (GA)

I made Equifax aware that XXXX XXXX XXXX is a negative mark found on my credit reports was due to Identity Theft and they have not blocked and delete this debt collector and it has been past 4 days. I am aware Equifax have four days to block and delete any negative items due to identity theft. 

I have made Equifax aware failure to respond within receipt of this dispute may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

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.

has violated my rights. Or a list of inquiries : 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 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 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
Consumer complaint received 2023-02-23
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the charge off accounts associated with my credit report. The charge off accounts in question are from XXXX and XXXX XXXX with account numbers XXXX and XXXX respectively. 

I am not aware of any delinquent payments or actions that would result in these accounts being charged off. I have always made payments on time and in full, and have never received any notifications of missed payments or other issues with these accounts. 

I request that you investigate these charge off accounts and provide me with a detailed explanation of the circumstances surrounding their creation. Additionally, I request that you remove these charge off accounts from my credit report if they were created in error. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-14
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. (CA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain toquestion specific records in my document coming about because of the wrongdoing. The account 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, blockthe noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX  XXXX ....
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (MN)

I was on my phone with money lion. Trying to get a lone when somebody called me from money lion, saying they were representatives of money roar That's a part money lion They said they We're gon na give me a loan XXXX XXXX dollars So I gave him my bank account information. They deposited a check And to my account, that cleared and they had me send money back to them. I thought it was part of the verification process. Or something, and they stole {$750.00} from me.