davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (SC)

US Department of education and the US Department of XXXX this information is on my credit reports XXXX and Experian. I did not authorize or give authorization for this to be on my credit reports. Ive been disputing these school loans but have not been successful in having them removed its been at least more than a year on my credit reports.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wrote to the bureaus on XX/XX/22 and XX/XX/22 about the attached account. This account has been reporting negative activities during the Covid-19 Pandemic in violation of the Heroes Act passed by Congress.
Consumer complaint received 2019-09-15
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC (OK)

THERE SHOULD NOT BE ANY DEBIT. XXXX XXXX 'S HOSPITAL VERIFIED MY COVERAGE BEFORE i ENTERED THE HOSPITAL ... KEPT VERYFYING IT ON A WEEKLY BASIS TILL I WAS ADMITTED .... THEN THEY CANCELLED THE ORIGINAL DATE ... THEY MOVED IT TO A DATE WHERE MY OLD INSURANCE WITH XXXX XXXX. I TALKED TO ADMITTANCE TOLD THEM MY DATE WAS BEFOR AND THEY KEPT CHANGING IT. SHE SAID EVERYTHING WILL BE FINE. LEGAL ACTION IS BEING PREPARED TO BE FILED AGAINST THE HOSPITAL THEIR BILLING DEPARTMENT AND THE 3RD PARTY COLLECTION AGENCY. UNDER THE FDCPA THEY Are to notify me in writing to this date no one has. they did call other family members threatened to sue me etc ....
Consumer complaint received 2019-09-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical-Commercial Audit Inc (MO)

I, have tried numerous times to contact the collection agency as well as e-mailing them and I have got no where. I have not received any recent mailings with the proof of the so called debt. I have tried to have there negative entry removed, I have consulted with the credit bureaus as well as an attorney. I will continue to fight and keep this entry under dispute. I will also be sending this company a demand letter. This is a debt I'm NOT responsible for and I refuse to share a cent with them. The amount of this illigitmate debt is around {$330.00}, I dont even recall what for either. This collection agency has terrible reviews all over the net. I have also placed a bad mark against them with the XXXX as well as alot of other public forums.
Consumer complaint received 2024-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (OH)

I sent a debt validation letter to them and didn't get a response. So then I sent another one, this time it was certified mail. They final responded and sent a generic letter. Then they Failed to Provide Complete Information : Despite my previous requests for complete information regarding this account, the information provided was incomplete or insufficient. As a consumer, I have the right to receive all information regarding any account reported on my credit report.
Consumer complaint received 2019-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

At the end of XXXX this year, I went to the hospital and paid expenses up front for my visit. Later received notices for a physician bill I was unaware of until it was being handled by XXXX. The bill was for {$92.00} and it took a couple months for XXXX to verify the debt with me, so then I paid directly to them. I was also receiving calls from HRRG stating that I owed the {$92.00} physicians bill that I already paid, and I had never even received physical notice from HRRG that they were tying to reach out. I asked them why I havent received anything and they told me they mailed out a notice in XX/XX/XXXX and XX/XX/XXXX, then I asked them what my address on file was and she then told me they dont have one. Well I asked how they are supposed to notify people of a debt before its in collections if they dont send out letters, and she followed up with will you be taking care of this with debit or credit I explained that I already paid and she told me okay and disconnected. A few weeks later I received a call again to collect the debt so I called back and provided the exact date Id paid the bill to XXXX : XX/XX/19, and they told me theyd reach out to XXXX to confirm and if it was paid theyd stop their attempts to collect. Theyve called three times this week. They have no reason to call me and they continue to do so after Ive provided everything theyve asked for to verify that Ive paid the bill.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

This is regarding a NEW monthly {$12.00} fee that has been charged to my account since XX/XX/XXXX without my knowledge. It was in an account that had 0 transactions since XXXX and had previously had never had a fee. It is a SAVINGS account ; one of 5 accounts I have with Wells Fargo and an account that had zero activity during this time period. I signed up for email notifications from Wells Fargo 's website on this account and never received a monthly email showing the fee being charged. 

I am outraged at Wells Fargo and my attempts to resolve the issue. Please pull the recording of my phone call from XXXX on XX/XX/XXXX @ XXXX XXXX. I spoke to a very nice woman who could not answer my questions regarding the fee change, so she asked if I wanted to " FILE A COMPLAINT. '' I said yes and was then put on hold - this is when the problem started. The second woman, XXXX, was her name I believe, was rude and hung up on me. She insisted the fee was advertised, but when I asked why I wasn't charged a fee for months prior and was below the new {$3500.00} threshold, she couldn't answer. She did not like to be questioned. I told her I had my account open online and could see all the way back to XXXX with low balances- including XX/XX/XXXX with {$2400.00}, yet the fee was not charged. This is when she hung up on me! 

On another note, I did a screen shot of my notifications for this specific account from the Wells Fargo website- i was set up according to the icons for PUSH notifications and email alerts for this account. I never received a monthly email and push notification showing this fee when the fee was charged each month. 

I did receive notification ( email only )- WELL FARGO SAVINGS ACCOUNTY ACTIVITY for interest being ADDED to my account but never an email showing the fee being charged. 

I called back another time at XXXX XXXX  and reported the actions of the employee to the escalation department. This time, the woman who worked with me, XXXX, was great. She couldn't fix the problem, but was able to talk to me rationally and explain to me that I should visit a branch.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

In XXXX I bought a living room set at Wayfair, merchandise was returned same day as delivery day before it entered my house. Wayfair did a refund to their credit card that I never used but pay short. After couple months of several phone calls they refunded the full amount but the credit card company wanted to charge me late fees and interests for that. After submitting several complaints the credit cards promised they will reverse fees and interest not to worry about it. About a month later I still receive the bills and amount was put on my credit reports as 4 months past due.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

On XX/XX/2022 I submitted a letter to Experian to correct inaccurate payment statuses they are reporting inaccurately. ( Ive included a copy ) I received a response on XX/XX/2022 from them stating that they were updating the accounts ( Ive included a copy ) I received a credit report on XXXX and the accounts are still reporting inaccurately. ( Included a copy of both accounts )
Consumer complaint received 2022-09-04
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. (IN)

I applied for a car loan after speaking with a salesperson who said they would guarantee me the rate and the price I was looking for. They also agreed only to pull my credit through their business and nothing else. They ended up pulling my credit 5 times, told me I was approved for a different amount and then never returned my calls or texts. This was XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I went to another car dealership. I asked for the same thing - one credit pull. They did, and I was approved for XXXX XXXX XXXX When I came in person to the lot to find a car, the employee said the person who originally pulled my credit wasnt available so he would have to start the process over. I told him I didnt want my credit pulled again, could he just look at the results from before. He said yes, but still pulled my credit from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have been building and working on my credit so I can refinance my home in my name. I do not want hard inquiries piling up. I went to get a pre-approval for a credit card and I discovered multiple hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( twice )XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The last two hard inquiries I do not recognize at all.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

This company continues to report inaccurate information on my credit report and I have contacted them several times to remove the inconsistencies. Please review uploaded documentation a response from the creditor and remove ASAP.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

WELLS FARGO CONTINUALLY REFUSES TO RETURN MONIES TO MY ACCOUNT THAT DID NOT HAVE MY AUTHORIZATION AND WERENT MINE! THEY CONTINUALLY CHARGE ME THE MOST EGREGIOUS FEES!! THESE INCOMPETENT NEFARIOUS METHODS OF BUSINESS THAT CAUSE ME FINANCIAL CONSEQUENCES!!! RIDICULOUS FEES AND FRAUD and REFUSE TO RETURN MY MONEY FOR YEARS NOW!! THEY STOP MY ACCOUNT WITHOUT EVEN TELLING ME AND LEAVE ME NO ACCESS TO MY OWN MONEY!!! ITS DESPICABLE
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

Amex suddenly closed my account without any reasons. I paid annual membership fee but they would not even refund it after they canceled my account. I need to know why they cancel my account, and whether they can reinstate my account. If not, please refund the annual membership fee I have paid.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

There will be 2 issues on here but both involve TransUnion on XX/XX/XXXX I filed a complaint thru CFPB complaint # XXXX against TransUnion & stated the following : my mortgage is with XXXX XXXX XXXX XXXX since XXXX of XXXX I have never heard of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  Please delete this false, erroneous & harmful information from my credit profile as soon as possible as this not only incorrect but is also impacting me in a negatively as I can potentially be denied employment and or housing do this affecting and impacting my credit so profoundly. thank you on XX/XX/XXXX this is the response I got from TransUnion : After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. Based on your request, we sent you a letter to inform you we were unable to locate a credit report for you and included a list of acceptable documentation and instructions on where to send them if you would like for us to re-check our records. 

Firstly I have received NO such letter & secondly, what do you mean you were unable to locate a credit report for me?!?!?! 

I have an account with you at https : //service.transunion.com/dss/login.page? & had been logging in occasionally & monitoring my credit report for a while now I have NEVER heard such a thing, I most certainly have a credit report. 
HOWEVER I will say that these last few weeks I have been able to log into my TransUnion account but I have NOT been able to VIEW my credit report now for weeks! I dont know what the problem is with TransUnion or their website but I click view credit report & the wheel that shows its loading just spins & spins & spins. 
I have tried their online chat & spoke to someone named XXXX who not only told me that someone would call me & the phone within 3 business days, which NO ONE ever did call me, but also he was apparently speaking to another customer at the same time & actually called me her name!! XXXX something I forget her last name. Which was outrageous & seemed like quite the breach of trust and privacy to me. I hope none of my information was accidentally given to anyone. 
And after waiting & not getting any call I tried to call TransUnion this time & spoke to someone about trying to fix their website problem & this time they actually deleted my whole account & had me create a whole new account & STILL it didnt work I encountered the exact same problem after all that
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-06-27
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. (NC)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

DearDear CFPB Support Team, I'm XXXX XXXX and in the year 2020, I received my Pandemic Unemployment Assistance ( PUA ) benefits pursuant to the Coronavirus, Aid, Relief, and Economic Security ( CARES ) Act.The Funds were deposited to the Chime Bank account andthe email for my account was XXXX.Two weeks later after the deposit, chime closed my account without a specific reason given to that and when I requestedmy money, theydismissed my request and said they would determine whether they would mail me a check Later which they NEVER did!. 
I was nevergiven a chance tocontest or have a say on the issue but the bank chose tokick me out and took awaywith my money.If the XXXX XXXX XXXXXXXX whom I have banked with for 19 years decided they no longer wanted my business and they are going to close my account, they would be legally required to cut me a check for the remaining balance on my account in a timely manner! 

It is one thing for a bank to decide '' We do not want your kind here, please take your business/money elsewhere '' It is a lot different to decide, " We no longer want your kind here and we are keeping all your stuff/finances/money for ourselves '' .The situation is not " On a computer Network '' to make this apparent theft okay for your case while it's a violation of terms and rights in my case. 
The vast majority of Fund seizures, whether by the government or most organizations I have worked with at different positions over my long career, require official notice to the target, at least after the facts are established, and an opportunity to contest the seizure administratively and in courts. It's a pesky thing referred to as " the 5th amendment ''! If by any chance the government was requesting these actions, there would have been an independent notice to the targets. 
Chime is known for Stealing Users Funds under Vague terms and Conditions and its High time this bank got exposed and taken to Court. I am filing complaints with you as well as other government controlled Consumer agencies to report this illegal malpractice by this bank. Kindly help me recover my lost funds with this bank! 

Regards, XXXX XXXX.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX, I attempted to use TD Bank 's ACH transfer option to transfer funds to an external account. After attempting to transfer said funds, I discovered an error message on TD Bank 's online platform stating the following : Your account is locked. To complete your request, call Customer Support at XXXX. 

I contacted the bank on XX/XX/XXXX. The customer service agent was not able to tell me why external ACH transfers had been blocked. He also wasn't able to guarantee that the functionality would be restored. 

I was told that he filled out some paperwork and it was given to a " back office ''. He also stated that the " back office '' may or may not approve the aforementioned paperwork. Everything was extremely vague and left to interpretation. 

He said to wait a week. After a week 's time had passed, the company may decide to restore functionality on a whim. Since it was seemingly arbitrary, and the decision was left to an enigmatic algorithm shrouded in mystery straight out of a XXXX XXXX style novel, he couldn't tell me what would happen. 

If the algorithm decided to say " no '', then we simply couldn't use the feature ever again. No explanation would be provided. No email or message was sent out when the service was initially suspended either. 

No consideration was given to my own personal needs either. This is a business account, and removing the ACH function causes us great problems. We need the service for transferring funds to other accounts many times throughout the month. We have done it many times throughout the years without any problems. I have been a customer of the bank for years without issue. 

A week has passed, and we still can't use the service. It is still locked. I'm asking for CBFP 's assistance because the bank isn't helping us.
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TX)

A XXXX XXXX XXXX  was added to my name without my knowledge I have called the company to dispute this and they said to have canceled the card I now have on my credit report the amount of {$380.00} The account was opened on XX/XX/2021 with out my knowledge. 
I have since closed the account twice. Last time was by disputing the account on XXXX
Consumer complaint received 2023-02-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

TD bank close my account without me having any knowledge on XX/XX/2022 I was told it was due to fraud. Ive contacted everyone in TD Bank including headquarters no response on XX/XX/XXXX. I received a notice that my TV mode boom app was hacked and my password was changed and it wasnt me I hadnt received any other information aside from a for the different phone number in the website I would like to know how my bank could be close for fraud that Im not aware of and also be hacked in the same week without any help! Aside from that, and getting any help, I was sent to the branch in which the guy who is every discriminate of arrogant been my card in my face, and all he told me was td no longer one of my services! Ive called Td headquarters and everything and not one person could give you any information on how your account could be closed drastically out of nowhere and you get no answers, and I put in complaints about the representative at the bank which she just smiled like it meant nothing
Consumer complaint received 2019-11-30
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX forwarded all information on the on-line application, but on-line page was not at its best, and stated some one will mail you are decision, there was to be a decision after completing the application that was stated on this web-page, but never happen, a letter did come in the mail, stating application number XXXX, the part for your credit score was 0, date 0, scores range a low to high 0, key factors that adversely affected your credit score, N/A, the next page states : Thank you for your recent application for a Kohl 's Credit Card account issued by XXXXl XXXX, XXXX. We regret that we are unable to approve your request at this time for the following reason ( s ) : Unable to verify physical address, the address was on the application this is a lie, it also states information obtained in a report from the consumer reporting agency listed below, N/A,