davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

XX/XX/20 Wells Fargo Bank. Employee for the bank in research remediation. The call came in as everyday banking. The caller is a customer of Wells Fargo. She did allege her problem was with XXXX charging her bank account for over a year. Caller gave her debit card and account information to roommate. Roommate left her residence and caller was paying XXXX bill which was the roommate bill. 

Quality Assurance reviewed the account gave me a low score for quality. Quality assurance resolution was to put stop payments on the charges. The caller had various amounts of charges from XXXX. 

The stop payments fee is {$31.00} per stop payment. Since they were various amounts the stop payments could result in excessive fees. The caller said she had been trying to stop the payment for a year - was it 1 year with Wells Fargo Bank. If Wells Fargo was filing claims and cases were these never resolved for the behalf of the customer. {$31.00} for each stop payment and many charges from XXXX are financial injury. My Request is to address the Questionable Quality Assurance department on these calls. Some resolutions are replace debit card, get previous claims and cases from Wells Fargo and find out why nothing had been done.
Consumer complaint received 2020-12-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I received an auto loan with Nissan motor Acceptance in XXXX and the vehicle was repossessed in XXXX. I had submitted a payment for the full amount that was past due a few days before the incident using a payment service named XXXX. In the state of Texas you arent supposed to be charge a fee for making an auto payment however they charged me almost {$10.00} for each payment via phone payment with NMAC. The easiest and cheapest way was just to pay through XXXX, however there was a 2 day lag. Nissan received the payment and it was posted to the account. The following day they repossessed my vehicle. I had thought it was stolen since I had paid via XXXX XXXX. Getting someone at Nissan to investigate was like pulling teeth. Finally I had an manager literally tell me that it is " NOT THEIR JOB TO LOOK AT ACCOUNTS DAILY. '' I now work in the auto servicing arena and know that if I was current at the date the repossession was done they have to return the unit. I requested a copy of all the transactions via email and they stated that it would take at least 3wks to get and my car would have been sold at auction by then. This letter was called a 901 letter which would have probably been automatically generated. I then tried to get my stuff from the car and they stated I would have to pay a fee. I have pearl earrings, pearl necklace, my passport, ( which is federal property ) leather boots, and other valuables. XXXX XXXX XXXX XXXX was the place where I tried to schedule an appointment but I would have to pay storage fees and a pick up item fee in order to get my stuff. My dad finally decided to get my car. By this time it had been moved to the auction. I was unaware they had moved it there or taken my stuff. We finally redeemed the vehicle. As soon as I found out that my stuff was no longer in the car I called XXXX XXXX XXXX XXXX and they said my stuff had already been disposed of. We paid over XXXX to get the car and they never gave me my stuff back. On top off all this for years they carried a XXXX dollar balance reporting that I never paid them in full which damaged my credit. I knew what they did was wrong and illegal! I read the class action lawsuit that was made in XXXX! I could not believe it was verbatim what I went through with Nissan and at the same time. SHAME ON YOU NISSAN!
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received a check in the mail from Bank of America in the amount of {$6900.00}. I bank at Bank of America. Endorsed and deposited check in ATM on XX/XX/2020. Received a notice that the check was being held. Thought it was strange to receive notice. Went to the BofA branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and my son advised the manager that the check might be fraudulent. He gave my son attitude and flippantly said nothing could be done because it was deposited in an ATM. 
I was telephonically advised the check was counterfeit on XX/XX/2020 by XXXX, BofA Fraud Dept. She said there was nothing she could do to return my money because check was counterfeit. 
Talked with her Supervisor, XXXX, on same date and he too advised that there was nothing the bank could do because the check was counterfeit and said I had lost {$6900.00} when I deposited it in the ATM. He said the bank could not help get the money back. When I asked why the bank did not notify me of the fraud, and that if I had not called on that day I would not have known about it, he could not give me an answer. 
I have been banking with BofA for many years and expect to be helped with this issue. 
XXXX transferred my call to XXXX, also Fraud Claims and she advised the same thing, i.e., nothing could be done by the bank. 
It was a BofA check and looked legitimate.I have copies of the check.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

was over charged for my credit card for XXXX for XXXX balance that I reported that I didnt make from late fees on my account they keot charging me so I have a XXXX balance iwed with XXXX XXXX XXXX
Consumer complaint received 2020-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by theXX/XX/XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I made a bank transfer on XX/XX/2020 for { {$400.00} } through my account at Wells Fargo via XXXX to an account owned by XXXX XXXX XXXX  XXXX XXXX For the payment of a debt. 

The transfer was successful under the number XXXX, The money was debited from my account but XXXX XXXX, owner of the account to which I sent the money did not receive it. 
Call the bank to file the claim on XX/XX/2020which gave me promise to give me a temporary credit if in 10 days they did not give me solution to case case number XXXX, after a few days I went to the bank agency and nobody gives me answers or proof that the money was delivered to the recipient After about 10-15 calls the operators give me different information, some tell me that the case is closed and others not. 

I hope you can return my money shortly.
Consumer complaint received 2020-03-05
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. (OH)

I went to my bank to get a loan to help my grandma and they did not approve me. I looked at my credit and I see some things on there that is not mine XXXX  XXXX XXXX, XXXX XXXX. Please help me with getting these items removed. I have contacted the FTC and local police.
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (NC)

In XX/XX/XXXX i was getting weird orders of things i did not order i returned them back to military star then up too the middle of XX/XX/XXXX .they was told too close the account around the end of XXXX they did not.instead i found out they did not close it til XX/XX/XXXX, therefore charging me 19.5 percent interest for 2 years accrued too card .also many of items where returned but i never got credit for returns, they then transferred too a 3rd party, XXXX XXXX XXXX XXXX.they say i owe them XXXX, and military star says XXXX in other words different from amount, i have complained too military star that the charges was wrong fraud. i pleaded for someone too investigate, but nothing, now XXXX XXXX after 6 months today have taking over XXXX dollars from now and still garnishing check and charging interest got smart with me and said i should have known what i was signing for 19.5 percent interest. please help me to recover my money and stop XXXX XXXX and military star stop they practicing on military veterans I have contact them they claim they sent forms but i never receive them i told military star that i disputed the charges and never heard from them either and when they did start garnishing check i never received any thing to dispute such charges
Consumer complaint received 2019-11-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (TX)

Im the victim of identity theft and I dont recognize the account Discover Bank is reporting on my XXXX and XXXX XXXX reports. This inaccurate reporting is damaging my reputation as a consumer with my other financial companies. I have provide an FTC ID Theft Affidavit to XXXX  and XXXX  XXXX and they have both responded saying that verified the account to be accurate without providing any information in its regards to verifying how the account belongs to me.
Consumer complaint received 2020-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL ANGECIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I have contacted XXXX, XXXX, and TransUnion on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying these erroneous reporting accounts as accurate, and they always reply with, " we obtain our information from XXXX and the XXXX system for these accounts. '' XXXX and the XXXX system are NOT the original creditors to any of these erroneous reporting accounts, and their reporting should not be counted as " verifiable ''. If these 3 bureaus can not give me satisfactory information and provide me with written proof of the creditor they talked too with complete phone number, and written proof with the name of the customer service member that they obtained the information from, or written proof of the clerk of courts name and telephone number, and written proof that they talked with him/her, then they are in violation of FCRA 611 and MUST DELETE these erroneous accounts from my credit report!!! I am a litigious consumer, and if these accounts and hard inquiries are not removed from my reports immediately, I will sue these bureaus for violating my FCRA rights!!!
Consumer complaint received 2020-03-05
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or 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 2022-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Chime Financial Inc (FL)

Phone was stolen and multiple accounts had been accessed with multiple unauthorized transactions being made. 
Filed digital dispute on XX/XX/26 with Chime and XXXX respectively. Wrote and submitted a formal written dispute to go along with each dispute. 
XXXX dispute closed in my favor within a week. 
Chime however mishandled my dispute, and was treating it like a debit card dispute when the transactions were from my credit card account. They denied my claim. I filed a rebuttal, supplied more evidence such as resolutions with XXXX for the same problem during the same time span. Phone insurance claim filed for stolen phone ( approved ) documents and proof of delivery of new phone. Took a few weeks to respond and again denied my claim, stating that I had not supplied any additional information to reconsider their decision. I asked for documents used in making their decision to deny the claim. I never received them. Mind you I was at no point offered or extended a refund or temporary credit. I call and speak to an agent and they reopen my dispute for a 3rd time. 2 more weeks go by. They're investigating. It's now been 7-8 weeks since this began. I call and ask why I haven't been extended temporary or provisional credit or a refund. I'm told my claim is ineligible due to it being " non reg.e receiving merchandise or quality of goods ''. This is of course plainly wrong as my dispute has always been about unauthorized transactions. I call and speak to 3 more people searching for answers. They then tell me the charges are from my credit account therefore not eligible for provisional/temp. Credit. How can an ongoing credit card dispute for unauthorized charges that's been going on for 2 months now not be eligible for a credit? I've never experienced such apathy towards me a customer as i have throughout this processes when trying to correct a bill or settle a dispute. And any credit card I've ever had any fraud or dispute claims has refunded me or issued Me a credit immediately or within a matter of days. I thought credit cards offered greater protection than debit cards. It's been 2 months now, still have an open dispute and they still deflect or don't answer the question when I ask about at least providing a credit to my account while they " continue to investigate " this has caused great financial stress for me. I've done everything Chime has asked of me. followed procedures and completed all forms, submitted all supporting materials. Ive been given false information multiple times about this dispute along the way. Never been extended temporary/provisional credit or a refund so I might in the meantime access my funds that were taken. Nothing at all. I've literally gone hungry some days because I was waiting on a paycheck and didn't have my money which should've been in my Chime account. This has been a nightmare.
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NV)

I deposited a check payable to two parties, both of whom properly received and endorsed said check for deposit. Citibank said they received notice the check was not good but would not provide information to back up their claim that is was not paid. I provided notice that said check was already paid by issuing bank.
Consumer complaint received 2020-03-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a dispute against erroneous information reporting on my credit report XXXX XXXX. the  investigation was completed XXXX XXXX and the results were the item was deleted off of my credit report. One XX/XX/2020, the reporting agency RE-INSERTED the information on my report.
Consumer complaint received 2020-01-12
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. (MI)

I became incapacitated from an illness in XX/XX/XXXX and had to obtain several in-home caregivers for 14 months. My caregivers and my sister was tending to my financial affairs until XX/XX/XXXX and at that time I took back control of my finances. I discovered at that time that my credit had been fraudulently exploited and my identity had been used to obtain several unauthorized accounts. I have reported the illegal use of my credit and my stolen identity to local law enforcements as a result.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I discovered inquiries listed on my credit report for which I have never given consent. These are fraudulent and violate my rights to privacy. Remove them from my credit report immediately.
Consumer complaint received 2020-03-05
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: ALLY FINANCIAL INC. (PA)

( 4 ) ally finanl ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 1 ) XXXX XXXX XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX  ( 2 ) XXXX XXXX ( 1 ) XXXX XXXX All hard inquiries showing on my credit report
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX Account 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 2020-12-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

On XX/XX/2020 i sent Equifax XXXX and XXXX More than enough supporting documents to have 3 accounts that do not belong to me removed or blocked from my credit history. i was very straightforward by telling the three credit bureaus that these accounts from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX did not belong to me and that i had never opened these accounts nor did i ever give anyone permission to open these accounts under my name. i filed a police report and a FTC report to have these items removed and they are still being reported. I Did not open these accounts and they are not associated with me in any way shape or form. i have no contract with any of these companies listed in my police report or FTC report. I also called the three major credit bureaus to ask if they had attached my complaint documents so the companies can see them and they stated No they didn't which violated my rights as a consumer and did not give me the fairness to have these accounts removed. i have also sent enough proof to identify myself with my arizona drivers license and two current utility bills