davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2019 I wrote out a check ( # XXXX ) in the amound of {$2900.00} to a remodeling contractor. The contractor then proceeded to the XXXX XXXX, PA branch of Wells Fargo to cash the check. The cashier attempted to cash the check, which was declined because funds needed to be transferred into the account. The cashier then authorized transfer of funds from another account ( overdraft protection ) and proceeded to cash the check, but for {$500.00} less than the check was written out for ( the cashier cashed it for {$2400.00} ). The entire transaction history showed this on the evening of XX/XX/2019 as " pending transaction '' and the Wells Fargo customer service representative could not explain what had happened, so the matter was assigned to an " investigation ''. The contractor 's transaction receipt clearly showed that the check was cashed for {$2400.00} ( not {$2900.00} ) and the contractor swears that he received {$2400.00}. Less than 12 hours later on the morning of XX/XX/2019 the entire transaction history showing the mistake had disappeared from my account and the record indicated that the bank had cashed the check for the full amount of {$2900.00}. I called Wells Fargo again on XX/XX/2019 and they indicated they considered the matter closed despite what the contractor 's receipt said. At this point I accused the bank of attempted fraud and the matter was supposedly escalated to an " executive complaint ''. It is now XX/XX/2019. I have called Wells Fargo executive investigations three times and have been repeatedly told that they have not assigned the matter to a case manager and can not tell me when it will be assigned to a case manager. It has become clear that Wells Fargo has no intention of resolving the matter and is now just stalling me in the hopes that I will let the matter drop. They continue to defraud me out of {$500.00} because of their teller 's mistake and subsequent cover up.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (FL)

I have five cards with Comenity bank. Within two months, I noticed that Comenity was not reporting payments and balance history. I called Comenity, and they were having problems wiith their new software. Another month went by, no updates from Comenity bank. I had to put in a disputes with XXXX. In the month, Comenity updated my credit. 

Even though Comenity cant report my credit on a timely manner, they can ran a credit report. They sent me a letter said that has gotten worse. They reduced Victoria Secret and my Torrid by {$50.00}. 
A hurricane came into Florida, I had to handle things after storm. Because I did not pay XXXX XXXX credit s payment on time, they dropped my credit by {$100.00}.
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, 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 written instructions.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-17
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/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 an account without my written instructions
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXXXXXX XXXX, Account Number XXXXXXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX, Date of Inquiry XX/XX/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 an account without my written instructions
Consumer complaint received 2022-05-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (MA)

Interest rates are too high that paying more or the minimum reduce the total cost of how much I owe. It would go up. And the tike to payoff loan takes much longer than usual. I would also deposit a high amount of money but with interest it does not make a difference reducing how much I owe.
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Neon Newco Corporation (AZ)

I am charged {$20.00} for every overdraft transaction. The only money that I receive monthly goes directly to this prepaid card its my daughters SSI I dont think its fair that Im being charged more than {$20.00} every month.
Consumer complaint received 2019-11-20
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 (GA)

On XX/XX/XXXX I was the victim of theft and my wallet was stolen, included credit, debit cards and drivers license. No checks were stolen, no ss card was stolen. Police report filed, bank and all creditors notified, cards reported stolen. On XXXX I was notified in writing via US mail that a check fraudulently made out to me was cashed at a bank of america branch using my name and drivers license in another state, despite the signature not matching and the person cashing the check did not have any checking account information. The check was later returned by the issuing bank as it had been reported stolen. Bank of America then debited the amount of the check, {$1900.00} from my account. They sent me a scanned copy of the check with the notice. I reported this as fraudulent on XX/XX/XXXX to a local branch and also spoke with the fraud division by phone regarding this claim. They are denying me access to those funds and telling me they have 60 business days to investigate the matter. This is despite my supplying multiple documentation that this was fraud. I can not get any assistance from BOA customer service or fraud division. I desperately need this money redeposited into my account, and need someone to assist me with BOA. Thank you
Consumer complaint received 2022-12-16
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. (MS)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-05-17
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have been a member of USAA for more than 50 years and their customer service has become atrocious and extremely difficult to deal with. 
They advertised a Cashback Rewards Plus XXXX XXXX XXXX on their website ( usaa.comXXXX XXXXXXXX  ) clearly stating that one would earn {$200.00} reward bonus after spending {$1000.00} in 6 months. I called and asked for the card and was told that the bonus was in effect. When I received the card it appeared that they just renewed and old card issue 6 years ago. To make sure there was no misunderstanding I called them and was told by XXXX on XX/XX/22 at XXXX XXXX  at the XXXX XXXX call center that the card I had just received and had in my hand had the bonus with it and that I would receive the {$200.00} after spending {$1000.00}. I asked if she could email me that confirmation and she said she would put a note in the file and this call was recorded and anyone could check it to verify. I never got the bonus, spent over 80 minutes with customer service on 2 phone calls, filed 2 complaints ( XXXX and XXXX ), was told customer advocates were not available and I could not call them but they would call back in 2-3 days. They never called. They never looked up the recorded call. I am out {$200.00} and a lot of time. What more could I have done but to call them directly to verify I would get the {$200.00} which I did. Now they say it does not apply to the card I received. What is the point of a member advocacy team if they can not be reached and will not even talk to those they are supposed to be advocating for? I was put on hold so many times and eventually they even gave up trying to contact their advocacy team - saying I should just wait for them to call me. My answering machine works perfectly and clearly they never called.
Consumer complaint received 2022-05-17
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX XXXXXXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXXXXXX, Account Number XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/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 an account without my written instructions
Consumer complaint received 2019-11-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Started in XXXX of 2012. Applied for a modification. Told must be 3 months behind. So in Late XXXX of 2012 we applied after meeting their instructed requirements.Several months later we were told we didn't qualify ( made to much money ). However we were encouraged to reapply. So we did. Several months later we then were told we now don't make enough money. However again were encouraged to re reapply. So we did. This time all seemed well. 2 days before the Mod was to be in affect they informed us they have sold the note an we must start fresh. This behavior as we have explained above has taken place 3 more times an continuing during this time period ( some 30 or so months ) each mortgage service co. wanted the full amount owed on the mortgage to be paid in full and would not except any monthly payments.The note service r currently ( Nation star Aka. Mr. Cooper ) Has weekly and intentionally harassed, Lied, played confused, delayed, any an all our efforts to resolve this major problem.
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (VA)

On XX/XX/XXXX there was an unusual activity from my Wise account. I received an email reporting a login from XXXX wich I tried to report without any result ( Wise telefones were wrong, the " not recognizing operation '' button didn't work and took about 15 min to find a way to communicate with them ). Then in the next 10 minutes I received notifications of 3 money withdrawal forms mi Wise Euro balance to GBP : XXXX XXXX - XXXX GBP ). Then a money withdrawal from my XXXX XXXX XXXX account. Only in that moment Wise suspend my account and I could reach to talk to them. 
Clearly my account was hacked. I clearly told them what happened and gave them all the documentation they asked to prove it. Today Wise respond that they will not recognize anything although they know it wasn't me. Even XXXX XXXX  XXXX could proved that my account was hacked and made a refund, but Wise took from me all my money without any guarantee. It was an entire year of work lost on the garbage.

This kind of services should not be permitted in US. They offer something they don't give, they're irresponsible, insecure and thieves.
Consumer complaint received 2022-05-17
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. (MI)

When apply for a car loan, dealership put my loan application through other companies. Adding other hard inquires. 

also I'm seeing a hard inquiry from I believe to be XXXX. that I did not do. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

IC SYSTEM is in violation of FDCPA and is attempting to collect an alleged debt.I demand debt validation for the alleged debts listed below. 
IC SYSTEM- {$1300.00} IC SYSTEM- {$510.00} Provide me with debt validation with demands below of alleged debts! 
1 ) Original Creditor 2 ) Balance of the alleged debt and how that balance was obtained 3 ) Full Account Number for alleged debt 4 ) Date accounts were opened 5 ) Full Social Security Number of alleged account holder 6 ) Contracts of alleged debts with wet signatures between alleged debtor and your company IC SYSTEM.
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting Act, Collection, Account number XXXX Collection, Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/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 2022-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (WI)

XXXX XXXX advertises a credit card that will give a XXXX percent discount on the first purchase. I applied for the card and it was awarded to me on XX/XX/2022. The card is issued by Synchrony Bank. I used the card for an on line purchase of a miter saw on XX/XX/2022. Their on line process does not allow for the XXXX percent discount to be awarded at that time, so I called both XXXX XXXX and Synchrony Bank to request my XXXX percent discount. I have repeatedly spoken with customer service reps about the issue, and on XX/XX/2022, I learned that XXXX XXXX has denied my request ( which amounts to about {$32.00} ). I believe that XXXX XXXX and Synchrony Bank are misleading customers to apply for a credit card under false pretenses.
Consumer complaint received 2021-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CO)

Upon checking my credit report I noticed a medical collection from XXXX for {$60.00}. The debt had been transferred to XXXX XXXX  XXXX. I contacted XXXX and they were unable to pull up any information that matched my name, dob and address. I let them know that the debt was on my credit report and they were the original creditor. They advised me to dispute the information with the credit bureau because they could not delete a record they could not find. I disputed the collection with all three credit bureaus. Both XXXX  and XXXX deleted the collection, based on the lack of ability to properly verify all reported information being accurate. However Equifax reported that they did not delete the collection because it was valid and they had verified the information. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information Equifax used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.
Consumer complaint received 2022-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CT)

I took a loan with Wells Fargo in XXXX, I used to pay the loan on time by auto pay without any issue. I had some hard time due to loss of income and the pandemic, it became difficult to make the payments on time. Then i was able to bring my loan current. 
I had a specific representative assigned who assured me the following : - The bank will waive some of the late fees once i brought my account current and paid 3 consecutive monthly payments on time.

- The auto pay will be reinstated as well. 
That was a lie because, no fees were waived and the account can't go back auto pay because of the late fees. She jerked me around, she made me filled out all the required paperwork, and emailed them to her to set up auto pay. When the payment wasn't drafted on the first of the month, I called her. this is when i realized it couldn't be done because of the late fees. If i didn't call i would have incurred another late fee. 
All i am asking the bank is to work with me to waive some fees, so i can pay the rest, bring the account current and reinstated auto pay. 
There is another issue, i can't pay this loan on line, or at a local branch. The only way to make payment is by phone, wait for 30 ' and be transferred over and over before the bank graced you with the ability to fulfill your obligation. 
- I got a severe form of XXXX in XXXX of XXXX, I was on a XXXX  for a month, and in XXXX. I loss income months of income, it took me a lot of time to get back on my feet. All i want is for the bank to work with me with these fees.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....