davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (AZ)

Hello CFPB - I am having an issue with US Bank regarding my checking account I hope you can help me rectify. The issue I am having has to do with several overdraft fees of {$36.00} a piece which US Bank has charged me even though my account has seamlessly stayed in a positive standing. There is a total of 4 fees at {$36.00} a piece that I am concerned of and I contacted the bank manager of US Bank ( XXXX XXXX ) on XXXX XXXX in XXXX Arizona In regards to this matter on XX/XX/2020. I explained to him how my online banking shows proof of my account never falling into delinquent status and that I dont see how I should have been charged these fees. 3 of the fees in question were charged to my account on XX/XX/2020 because manager states the 3 charges prior to that made my account fall into a negative status. The 4th fee in question was charged on 5/6/2020 because the charge before that allegedly made my account fall Into negative status. I informed the manager that my online banking account does not indicate what he is saying is true. My online account shows my balance before and after the charges In question and that my account was always in good standing. XXXX asked me if I could screen shot my online banking account statement and email it to him and that is what I did. He looked at my checking account statement from my online banking I sent him and he told me that there were discrepancies from what my online banking account balances were showing and the balances that US Bank had on their end. I asked him how could that be possible? He told me he was not sure and he would look into the matter and get back to me the following day. The next day XX/XX/2020 around XXXX XXXX  I had not heard back from XXXX so I decided to give him a call. When he called me back shortly after that he aggressively told me that what my online account balance states is basically irrelevant and their statements Indicate I went overdrawn on my account and all the fees will stand. 

I really hope you can help me get through this situation with US Bank please. I feel like I am being take advantage of and i am a victim of fraud. I am happy to provide me online statements for you and anything else you might need so you can see what is being done. 
If what US Bank shows on their end indicates my account fell Into a negative status then this means that US Bank is showing me a faulty balance and keeping a different balance only they can see behind the scenes which would allow me to unknowingly fall into negative status while allowing me to think I am in a positive status. Either situation that is happening is fraudulent and they should not be able to manipulate money out of customers like this, especially In a stressful time which is what we are going through right now. 

Thank you for taking time to hear my problem and I hope to hear back from you soon. Please let me know any documents I can provide you. 

Regards,
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NJ)

Today, XX/XX/2023, I was alerted that a Chase Sapphire account was approved in my name. I contacted Chase to advise the application was fraud, and was told the account would be closed. I then asked for confirmation the hard inquiry would be removed from my credit report. I was told this is not their process, only that they would no longer report the account itself. This is in violation of the Fair Credit Reporting Act. In addition, I requested a copy of the fraudulent application submitted using my social security number as per the FACT Act, but was told I would have to go online to submit my request. This is a bank that Ive never done business with - I am not comfortable submitting any of my information online when Ive just been the victim of identity theft. I have contacted the three bureaus and placed a fraud alert on my file, but that does not protect my credit score with the unauthorized inquiry.
Consumer complaint received 2022-11-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I have an open dispute with experian. Please see document stating EXPERIAN PROOF. They are sending me notification that under the FCRA I can have the fraudulent accounts for XXXX blocked yet, the website will not accept the document upload. 

I have requested multiple request for a supervisor call back [ XXXX XXXX XXXX ] and to date, have not received a call from anyone. 

I am already fighting fraud. I do not want to mail my entire credit profile with identifying information. 
Please Help
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

My initial complaint to HSBC started way back at the beginning of XX/XX/2023. I basically simply tried to submit XXXX bank to back transfers via HSBC 's website and the payments went missing/ were rejected. I contacted all the various emails and phone # 's that were detailed. No one had a clue at HSBC about what happened to my payments. HSBC Premier Team never responded, HSBC Customer Service rep promised to call me back... still waiting for the call. Since then, it's all been a complete cover-up by HSBC as to their own " internal investigation '' about what happened. We are almost into XXXX and this has still not been settled to my satisfaction. It's been a very distressing experience for me and I am also a HSBC Premier customer. I dread to think how they treat a regular customer. I've been thrown from pillar to post, even XXXX promised getting back to me at various specific times and that was unfortunately a classic case of over-promising and under-delivering.
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CT)

I left XXXX on XX/XX/XXXX and transferred all XXXX phone to XXXX XXXX  and on the next month I reserved a bill from XXXX for XXXX of the phones I went to XXXX to get it fixed and they said it was fixed and that should have not happen because I had not finished the month with them and they owed me XXXX for that month. Next month I get a bill again for the phone line again saying I owe them. Went to XXXX again and was told that it was all set. Still no check for the XXXX. Next month got a letter from a collection agency for the bill from XXXX. Went back to XXXX and after 2 day wait they said sorry can't help deal with the collection company. Still no check for my XXXX for not finishing the month XXXX that I paid for. Any help would be great.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NV)

I received a pre approved offer through XXXX XXXX to apply for Discover Card. These offers were pre marched based on credit history and score. Based on these factors, I more than qualified. 

I received the letter stating I was denied based on factors which doesnt apply to my reports. I have active accounts, my score is over 700 at the time of the letter. Another reason shows bankruptcy which was dismissed over three years ago and had nothing to do with credit card accounts. The bankruptcy was filed to obtain my vehicle back after it was illegally seized during covid when these collection actions were suspended. This is noted in my report
Consumer complaint received 2023-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (VA)

This account is fruad. XXXX XXXX Never got a proper validation of debt. This account is fruad. I noticed this account reporting to my Experian consumer report. Experian violated my rights as a consumer under 15 usc 6802. They never operated under the law by reporting a negative collection account to my consumer report. Experian is reporting a fraudulent collection account to my consumer report From a debt collection company named XXXX XXXX. The account reports a XXXX dollar collection account. Experian is in violations of my by reporting a medical debt under XXXX dollars. It's a violation of my rights as a consumer. I request monetary remedy. Invoice needed for this matter. EXPERIAN 15 USC 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURE OF PERSONAL INFORMATION ... .. Experian is in violations of the law. Fair Credit Reporting Act. XXXX XXXX needs to be removed from my consumer report. Its fraud ....
Consumer complaint received 2022-11-03
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: Nelnet, Inc. (FL)

NELNET ACCOUNT IS REPORTING INACCURATEINFORMATION IN AREAS ACCOUNT NUMBER, LAST VERIFIED, DATE OF LAST ACTIVITY, DATE REORTED, DATE OPENED, CREDITOR TYPE, PAYMENT STATUSAND LAST PAYMENT. NELNET IS IN VIOLATION OF 15 USC 1681. THE ATTACHMENTS OF THE ACCOUNT IS IN THIS COMPLAINT.
Consumer complaint received 2022-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TN)

My purse was stolen in 2020 with my cards and social. Someone took out a loan with XXXX XXXX that is not mine and stole my identity and it went to collections. Ive tried to dispute it multiple times.
Consumer complaint received 2022-11-03
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-30
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXXXXXX EXPERIAN XXXX XXXX XXXX, XXXX TX XXXX ALLEGED AMOUNT OF DEBT : # {$2000.00} ( XXXX XXXX ) To Whom it may concern. 

I have received a copy of my consumer report and to my surprise I noticed that ( XXXX XXXX ) had been added back to my consumer report after being previously deleted on XX/XX/2022, Noticed reinsertion date XX/XX/2022, under the FCRA ( FAIR CREDIT REPORTING ACT ) SECTION 15 USC 1681i you can not reinsert inaccurate items back on my credit report without given me a 5day written notice of reinsertion. I HAVE RECEIVED NO SUCH NOTICE, AND DEMAND THESE ITEMS BE DELETED.

This is a violation of my rights and is subject to {$1000.00} in damages or more.

Please send me a copy of my consumer report upon deletion of this inaccurate account.

I will CC the CFPB and the FTC, my Local Police department. 

Sincerely XXXX XXXX.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Technology Federal Credit Union (CA)

My card is supposed to be set to decline if funds are low. I made a transaction to another account because my account said I had available funds at the time, because their system is slow to update. They charged seven overdraft fees totaling over {$170.00} for {$35.00} each for the same transaction.
Consumer complaint received 2023-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MD)

I called Chime bank trying to find out how to deposit my daughters cashiers check that was signed over to me!! And the representative XXXX and chime had me download a app called XXXX and that gave him access to my account then he had me go to pay anyone on the banking app that I have in my for put in the note spot my daughters name and the amount of the check then he had me put in a bunch of letter avandance which then he had me put in a code XXXX in the pay section which then took {$1400.00} out of my checking and it as sent to a XXXX XXXX chime name $ XXXX I filed a dispute right away told a another representative what happened and they said that they could not stop it please help me with this matter thank you for your time in this matter Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-04
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: The Outsource Group, Inc (CA)

I have contacted MediCredit four separate times to get them to remove some information from my credit profile and they refuse to respond to my requests. I have sent them a police report for identity theft, a FTC approved fraud affidavit and a lease agreement showing that I was living in another state when the referenced accounts were established. This organization refuses to acknowledge my request, they refuse to cease in knowingly reporting inaccurate information to the three credit reporting agencies. I don't know how a company can continue to be allowed to destroy someone's credit with no accountability what-so-ever. This account was established in someone's name that I don't even know and it is related to fraud.
Consumer complaint received 2023-03-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc. (NJ)

My name is XXXX XXXX and I am customer with MoneyLion. I have had the pleasure of opening up an account with MoneyLion on XX/XX/XXXX. MoneyLion offers great services that have helped my out financially and is currently helping my work on improving my credit. I have had great service with your company until today. I reviewed my checking account with XXXX XXXX and saw that {$3200.00} was deducted from my account on XX/XX/XXXX. This transaction was not authorized and I could not believe that something like would ever happen to me. I contacted the Customer Service Department today and was told that I owe this money for loans that I did not pay. I was furious and upset and the Customer Service Representative did nothing to acknowledge my situation or to assist me with refunding my money. The Customer Representative actually advised me that the system shows that I have only paid {$3.00} on the loans that were deposited in my account. This is clearly not accurate. I have bank statements showing each deposit that was placed in my account as well as each withdrawal that was deducted from my account for repayment. My loans have been paid in full. I also spoke to a Supervisor that gave me the same information. I have worked in the XXXX XXXX for over 20 years and would not think twice about treating any of my customers in this manner. This type of service is unacceptable. I was also told that I was at fault without taking the time to thoroughly investigate this issue. I am not sure if the Customer Service Representatives were not trained properly or if there is an issue with the system. I did not receive the help that I needed today and I am truly at a loss for words at this point.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

As of XX/XX/2022 The Credit bureaus stated Account Name XXXX XXXX XXXX & Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these agencies written permission to furnish these accounts on my credit report
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

On XX/XX/XXXX, I sent Fair Collections and Outsourcing a debt validation request for an item on my credit report. On XX/XX/XXXX, they responded with a full copy of the original contract and an accurate record of the payments made up to XX/XX/XXXX ( payments made after that date were omitted ), however, there was no debt assignment letter indicating that they are authorized to collect the debt.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

I have notified the Experian Consumer Reporting Agency ( CRA ) that I did not approve the following inquiries in on credit report and they refuse to delete them. I also asked for physical evidence where I signed giving these companies permission to view my credit file. Since I did not give any written consent, these items should have been deleted or I should have received the requested evidence with my signature of approval. 

Company name Inquiry Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting ACT, legally these unverified & unauthorized items MUST be DELETED! As a consumer, by law my credit report must be made 100 % accurate.
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

Claim # XXXX This Complaint is against Wells Fargo Bank for denial of my claim for {$340.00}. Wells Fargo stated that these transactions were made using my Card and PIN #. How stupid is this???? Of course this is true, because I have been experiencing Identity theft, and dealing with W. Fargo for 17 months after I had all accounts deactivated and disabled to prevent this. This is the fault ONLY of W. Fargo.. And I need my money returned.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (OH)

There is an account on my credit report from National Credit Systems in the amount of {$830.00} dollars. It says it is from an apartment that I used to live in. I have no idea why this would pop up. I paid all rent and there is no negative information on my rental report that would show a balanced owed to XXXX XXXX XXXX. Furthermore, when I moved from XXXX XXXX to my new apartment, they sent a rental verification to my new apartment. It says that all rent was paid, never late, and that I would be a candidate for another lease If I wanted. 

This is not the first dispute Ive encountered with this company. I had to be moved from one of their other properties to their XXXX XXXX property after excessive and suspicious fees left and came back into my checking account several times. Luckily I was able to handle this internally with the management company. 

I am trying to handle this issue with the management company directly. Unfortunately, they are being very unresponsive. I have gone to their website and put in my information to receive a call from them to resolve this 3 times. They have not reached out to me at all. I have also tried to call their corporate office for an explanation. They do not answer their phone it goes to a full mailbox so I can not leave a message either. I even went as far as posting my issues on their XXXX page in the hopes somebody would reach out. This was also unsuccessful. This is why I am here filling out this complaint in the hopes I will get some clarity on this issue. 

I have documentation to back all of the claims made here.
Consumer complaint received 2023-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX, I was going to lease a house and wired a security deposit and first//last month rent to XXXX XXXX XXXX via my Bank of America account XXXX XXXX XXXX Account XXXX I signed the lease agreement and the property was never made available. upon finding out the property was not available and realizing it was a scam I contacted Bank of America and filed a fraud claim on XXXX. I provided Bank of America with all the documents I received, lease agreement, information on the person that put the property for lease and all their bank information. Bank of America initiated a fraud claim. I constantly called to get updates and Bank of America XXXX and fraud department wound tell me that they needed to extend the investigation. After months of not hearing from them I called on XXXX and spoke to XXXX in the Check and XXXX Department and she XXXX XXXX XXXX XXXX case was closed and my funds were not recovered. Bank of America never sent me any notice or kept updated on the investigation. Amount lost : {$11000.00} Claim Number : XXXX On XX/XX/2023 I was contacted by XXXX XXXX Resolution XXXX at XXXX of XXXX XXXX She told XXXX Bank of America is not going to get my money back from XXXX bank. She stated I can call XXXX Bank and ask for my money back. 

I contacted XXXX Bank and was told these claims are handle bank to bank. I was told by XXXX bank I can not do anything and to have my bank contact XXXX Bank. Bank of America is giving me inaccurate information in an effort to circumvent returning my money and closing my claim.