davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo advertised the following promotion : ' {$520.00} bonus when you open a new savings account and deposit {$25000.00} within 30 days. Must maintain the balance through Day 90 from account opening. ' The condition was that the account needed to be opened in-branch, as the code could only be applied there and not online. Upon visiting the local branch, I discovered that the banker was unable to find a section to enter the code. She suggested proceeding with opening the account first and assured me she would submit a form to headquarters to have the code applied retroactively. Trusting her assurance, I proceeded. As a precaution, I also submitted another request by calling a few days later. Approximately 1-2 weeks later, upon calling again, they confirmed that the code had been applied. 

Having met all the specified conditions, I patiently awaited the bonus deposit. However, as the wait grew longer, I had to engage in a customer chat with one of their representatives. He informed me that two requests had already been submitted on my behalf, both of which were unfortunately not approved. One was submitted on XX/XX/XXXX, and the other on XX/XX/XXXX. Both requests were declined with the following reason : 'Did not meet the following qualification : Have promotion bonus code presented and entered at account opening. ' I apologize for any inconvenience caused. Do you have any further questions I may assist you with? '' I don't think it is fair given the assurances I received from the banker. It seems that despite meeting all the stated conditions, Wells Fargo has failed to honor their commitment to provide the promised bonus. I request that CFPB thoroughly investigate this matter.
Consumer complaint received 2021-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

I originally complained about this company on XXXX Reference Complaint # XXXX is attached to this compliant was closed and it was removed from all three of credit burrows. Again The company called XXXX XXXX XXXX has again placed a collections filed and is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$4700.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is # XXXX. I've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. This company has over 462 consumer complaints listed on the XXXX  XXXX  XXXX  'XXXX  website. It is also listed that they are based in XXXX, GA and I have never lived in Georgia in my life. I live in Florida. I do not feel comfortable with this company having my information when I have not authorized them to have it. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them. In addition to this None of the documents this company has provided in my original complaint as a response shows my signature nor have signed any contact with National Credit Systems. In addition I have never been serviced any documents for my county or state police department. I aske for this company to provide me with documentation that belongs to me with my own signature of acknowledgement of such account. This is not me
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2021-01-10
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. (AZ)

I would like to file a complaint against XXXX XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXX, as well as the three credit reporting agencies for not accurately reporting information, even after they were provided proof. 
This account is years old, it originated from a XXXX Credit Card that went into collections. Last year ( 2020 ) I had a wage garnishment set in place by XXXX XX/XX/XXXX XXXX XXXX ( located in Arizona ), through XXXX, that took 30 % of my check, leaving me with {$700.00} every 2 weeks to live on for a total of a 6 week period. The total due at the time was {$860.00}. As of XX/XX/2020 that garnishment was completed. Reference Case ID XXXX. 

Since then my account in collections has been increasing by {$2.00} every month, which I have reported as inaccurate to XX/XX/XXXX, Transunion, and XX/XX/XXXX To which XXXX XX/XX/XXXXXXXX sent me a letter stating my debt was a valid debt, EVEN THOUGH it was 100 % paid off as of XXXX of 2020. The credit agencies refuse to take this account off my report and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX are acting fraudulently by reporting I have not paid anything AND INCREASING my total debt due every month.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (NV)

US Bank negligently did not close a debit card that has fraud charges, charges continued to accumulate and they are now giving me a hard time closing my account after I have been informed that the fraud claims have been closed and credit has been issued for all the transactions that happened due to their negligence. Ive contacted multiple employees, branch, fraud, fraud leasion, executive management, and customer service. I keep getting the run around and this issue has been going on since last year. 
Im under too much stress, and dealing with and emotional and financial burden due to US BAnks inability to accept negligence! 

They keep trying to close my CFPB claim with the initial fraud claim but they are again neglecting to review recent claim that I filed this year, for a debit card they did not close last year.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Mail from Capital One incorrectly addressed to XXXX XXXX XXXX containing important account information. Mailings have occurred on a weekly basis between XXXX XXXX XXXX Each envelope was returned with " Return to Sender '' and " Wrong Address '' written on them. Upon calling customer service, Capital One refused to investigate or address the potentially fraudulent information in their system. 

Latest mailing : XX/XX/ Fraudulent Company Name : XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX PA XXXX Capital One Fraud Operations Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2023-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

Mohela is not even processing my PSLF application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved one so this pushes the processing time even further due to their mistake.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

This company is illegally reporting my experience with them in regard to both my car loan and the account I am currently an Authorized User on. 
FRCA 15 U.S. Code 1681a 2 ( A ) ( i )
Consumer complaint received 2021-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Service on XXXX. Was transferred from XXXX XXXX XXXX XXXX Michigan to XXXX XXXX XXXX in XXXX Michigan. Received a bill from ambulance  provider I called them to notify them that after contacting XXXX  the bill was to be paid through the hospital. I have not heard nothing from either party until I checked my credit score to find out the EMT  company opened some credit card on XXXX without notifying me the situation hasnt been resolved. Now the M & M credit company put it into collections. Ive never received nothing from any parties involved
Consumer complaint received 2021-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

Advertised promotion for signing up for the new card included waiving the {$95.00} annual fee ( see screenshots taken at time I signed up for the card ). The fee was charged anyway. I contacted American Express on XX/XX/XXXX via phone XXXX ticket number they gave me was Ticket XXXX XXXX to request they refund the charge and was told they could submit a ticket but the person I spoke with could not refund the charge. They have not to date XXXX XX/XX/XXXX ) refunded the charge. All billing statement are attached since the time that I opened the card in XXXX, showing the annual fee charged on XX/XX/2020 ( the first charge on the card and is shown on the XX/XX/XXXX statement attached ). 

The advertisement ( see screenshot taken immediately before applying for the card ) clearly states there is a {$0.00} annual fee the first year.
Consumer complaint received 2023-03-07
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. (MD)

According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between XXXX  XXXX and XXXX XXXX the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. I would like the aforementioned information to be deleted pursuant to the law mentioned in the above sentence all late payments, and or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account information.
Consumer complaint received 2023-03-07
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: NAVY FEDERAL CREDIT UNION (MD)

According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between XXXX  XXXX and XXXX XXXX the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. I would like the aforementioned information to be deleted pursuant to the law mentioned in the above sentence all late payments, and or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account information.
Consumer complaint received 2023-03-07
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. (CA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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 2023-05-26
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. (MI)

This company continues to report incorrect information. They also keep marking my complainst as duplicates. Please note the following NEW information ( last complaints continue to go unresolved as well ).

I just received an alert this morning that my socre has gone down again since my account is 60 days past due.

1 ) It is not ( see screenshot from app ) late. It is on track and no payment is due or late.

2 ) As company states that I regularly receive emails from them and open them ( as they say they are tracking me )- I'd like them to show me a single email that I have gotten about this.

3 ) See the screenshot from XXXX  where they are reporting 60 days late and an incorrect balance.
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been a XXXX  XXXX XXXX XXXX  customer since XXXX and during that time, I have one late payment on the above referenced account that date back to XXXX. Since that time I have been an exceptional customer paying every month on time.
Consumer complaint received 2021-01-10
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. (UNITED STATES MINOR OUTLYING ISLANDS)

XX/XX/2020 I submitted written letters to the credit bureaus. Enclosed in those letters were items that needed a sufficient amount verification. My name was misspelled numerous times, various incorrect addresses, several erroneous accounts that included, closed, charged off, and incorrect accounts.
Consumer complaint received 2021-01-10
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

Fraudulent charges on my Banana Republic store credit card Only half of my initial dispute has been resolved. They are still claiming an outstanding amount due. 

This has been going on since XX/XX/XXXX of 2019
Consumer complaint received 2023-05-26
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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 2023-05-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc. (NJ)

I notified Experian of identity theft they removed Inquiries but continues to report this Auto loan on my report XXXX XXXX XXXX XXXX I have reached out sent multiple verification letters they failed to provide anything yet still report this loan on my report
Consumer complaint received 2023-03-07
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. (NC)

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, Account # XXXX, ( Date XX/XX/XXXX ), XXXXXXXX XXXX XXXX  Account # XXXX ( Date XX/XX/XXXX ) and XXXX XXXX XXXX Account # XXXX ( Date XX/XX/XXXX ) which was disputed by me and 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 2021-01-10
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. (AZ)

I recently reviewed my Credit Report and noticed there were items that were added/opened under my name during the time I was on Military Leave. These items do not belong to me, I did not open these accounts or had any prior knowledge of them being open. I have disputed these items with the company and got a XX/XX/XXXX response.
Consumer complaint received 2021-01-10
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: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

XX/XX/2020 I submitted written letters to the credit bureaus. Enclosed in those letters were items that needed a sufficient amount verification. My name was misspelled numerous times, various incorrect addresses, several erroneous accounts that included, closed, charged off, and incorrect accounts.
Consumer complaint received 2021-01-10
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. (AZ)

I recently reviewed my Credit Report and noticed there were items that were added/opened under my name during the time I was on Military Leave. These items do not belong to me, I did not open these accounts or had any prior knowledge of them being open. I have disputed these items with the company and got a XXXX  response.
Consumer complaint received 2021-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

Since the day I opened the PNC bank account - I am facing issues. 
1. They blocked my outgoing ACH transfer for no good reasons.

2. They are asking me to give them a call and have the account number handy.

3. when i tried to get the account number, they ask to provide the mobile phone number. When i am doing that they have an issue with that also. 
4. Secure message center is not working I would like PNC to communicate to me via email or mail. I called them upon and their menu based system is so confusing and troublesome in order to not let the customer talk to the banker or customer service. 

Why they want to hide the routing number and account number especially when the bank account has a promotion for direct deposit? Can't they understand that we are in the midst of pandemic and nobody want to step out and risk their life? 

I am a legal XX/XX/XXXX and living in USA since 2005 and having the credit score of more than XXXX - even then this bank is giving me such a tough time.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX and Experian have not responded to any of my disputes! I have been sending out disputes for over 6 months now and have yet to receive a single letter from the bureaus or any results! I understand that with the pandemic there is a delay but it can't possibly be over a 6 month delay. Lawfully they are required to respond to me within 30 days. There are inaccurate items on my credit that need to be removed!!