davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

Went to XXXX XXXX branch ( XXXX ) of Well Fargo. XXXX refused to take a cash payment for credit card. She stated the card presented was a " debit card ''. She confirmed with another teller it was a " debit card ''. Finally after 14 minutes on XX/XX/2020 at XXXX XXXX  after customer asked at least 3 times to make a " payment '', finally she processed a {$35.00} cash payment. No apology from XXXX to customer whom she disrespected, but a lame " my bad '' to the teller who she mis-informed in transaction by calling card a " debit card ''. 

This is at least the 2nd time WF employees assume the transaction that needs to take place instead of listening to the customer request. The employees are not trained to know banking terminology or customer services to customers. 

Need to Know your customer better!! This is a training problem at Wells Fargo. Customers are suffering due to assumptions/discrimination against customer and non-customers of the bank lobby. This has developed over time due to the cash restrictions on deposits for non=account holders.
Consumer complaint received 2019-03-09
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: Innovis (OH)

I have some addresses on my file that do not belong to me I am a victim of ID theft and I need these addresses removed they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2024-03-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY (FL)

What the government has been doing is lying to the people. IF THE PEOPLE LIE WE GO TO JAlL- the government lies, cheats and steals and gets away with it. I submitted a report on my repossession a few months ago. You lie again knowing XXXX WELL THAT THE LAW WAS BROKEN- I'm reporting here and 2 other places. Attorney General and Federal trade commission. The bank DID IN FACT BREAK THE LAW/ I just didn't read further into the title 's. One that has me VERY CONCERNED IS HAVING BEEN A VICTIM OF IDENTITY THEFT A few years back- it cost me LOTS OF PROBLEMS. The bank gave my personal information addresses, family addresses to information addresses, family addresses to some repossession company and that is VERY CONCERNING. My car and sons driveway got destroyed by these repo guys- XXXX dollars on front and back breaks because they DESTROYED MY VEHICLE- a neighbor watched as the guys DRAGGED MY VEHICLE ROUGHLY- they came to me immediately. Not only that... I was at my son 's home 2 hours away and they found me. Me and my roommate watched them stalking my house 2-3 times at my home. So they NOT ONLY GAVE MY INFORMATION, my sons too. Or they came on my private property and put a tracker. Which is ANOTHER WHOLE PROBLEM FOR THE ROUGHLY - they came to me immediately. Not only that... I was at my son 's home 2 hours away and they found me. Me and my roommate watched them stalking my house 2-3 times at my home. So they NOT ONLY GAVE MY INFORMATION, my sons too. Or they came on my private property and put a tracker. Which is ANOTHER WHOLE PROBLEM FOR THE BANK. This vehicle is A PIECE OF XXXX SINCE THE REPO- I only owe XXXX. I had to put that much into it after the repo. I WOULD HAVE LET IT GO- my family wanted it back. 
Here 's the codes they broke the law. 15 U.S.C. 1692F part ( 6 ) and ABSOLUTELY IDENTIFY THEFT 15 U.S.C. 60 802
Consumer complaint received 2023-03-18
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: CCF Intermediate Holdings LLC (CA)

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose
Consumer complaint received 2023-03-18
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AL)

In XXXX XXXX  every account I have was hacked. Hackers went into my email and went into all accounts associated with that email. The hacker added themselves as authorized users on every one of my accounts using the name XXXX XXXX. The hacker then ordered credit cards with their name on it. The hacker also added a stolen bank account as an account linked to the credit account. They ran up a bill and even used the stolen back account to pay the credit bill down to a XXXX balance ( increasing the credit limit so that they could purchase things again ). The owner of the stolen bank account that was used fraudulently had all of the payments reversed leaving a bill over {$8000.00}. The credit limit on the card was only {$2000.00}. I have spoken with the fraud department numerous times regarding this issues and they dont seem to care or even understand the situation. Ive worked very hard on building my credit and my score dropped over XXXX points to this. I have a great credit and payment history on all accounts. I dont know what to do or where to turn to get help. Im desperate here
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I deposited {$3700.00} cash into my account but upon. getting the receipt and balance, that did not reflect what my account says. Instead only reposting {$700.00} in my account. This is the second time ive had issues with citizens and im not waiting two weeks to get access to my money especially when I deposited cash.
Consumer complaint received 2021-04-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc. (SC)

The company Paragon Revenue Group is in violation of my HIPPA rights, I mailed them a letter to remove all information off my credit reports due to the fact they were in Violation of the HIPPA Law. They have a DBA ( DBA Paragon Revenue Group ) which is on my report as off now showing as verified and accurate but it is not accurate nor mine. i need this removed immediately.
Consumer complaint received 2018-02-24
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: WELLS FARGO & COMPANY (NY)

XX/XX/2017 WELLSFARGODEALERASVCS XXXX, NC XXXX RE : Request for ivestigation of Unauthorized Inquiry I check my personal crdit report and found an unauthorized credit inquired with your bank information i haven't give the authorisation to any institution to check my credit. I request the you initiate an investigation to determine who authorized the credit inquiry. If, once your investigation is completed and you find my allegation to be true, please remove the unauthorized inquiry. if you find the inquiry to be valid, please send me a description of the prosedure used in your investigation within 15 business days of the complition of the investigation. 
Thank you : XXXX XXXX XXXX
Consumer complaint received 2017-05-30
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: EQUIFAX, INC. (CA)

There is a lien on my credit report that belongs to someone else. It is from    XXXX    County , for a debt from New Mexico Taxation and Revenue, from years ago, and from a "  XXXX   XXXX  '' with a different social security number. I only moved to the  US  last year, and have never dealt with, or even visited,  XXXX  or New Mexico
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: General Motors Financial Company, Inc. (IL)

I was a with GMFNANCIAL customer since 2017 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX, XXXX, XX/XX/2017 ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I requested for a refund of all my federal student loan payments made since XX/XX/2020 per the CARES act. This refund was initiated and requested late XXXX, and from the customer service, they stated that it would take roughly 3-6 months. This is ridiculous, and I have not heard any sort of confirmation from them. I would like some sort of confirmation that my refund was requested and processed sooner, as it is ridiculous to have to wait 6  months for my refund to go through.
Consumer complaint received 2020-12-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (PA)

I sent a check to pay off my auto loan in full, which US Bank cashed on XX/XX/20. After over 4 months had passed and I never received my title, or even any communication or acknowledgement from US Bank I reached out to them to see what was going on. 

I called them on XX/XX/20. I spoke with someone ( XXXX ) who told me that they would electronically release my title with XXXX. She told me that I may need a " Release Letter '' to take to XXXX to get my title and that she would have this sent in the mail to me. I never received anything in the mail or heard anything further from US Bank. 

I called again on XX/XX/20 and spoke with XXXX. She told me that the bank had never received my title, and that maybe the dealership didn't provide it to them, so she said that maybe US Bank never had a lien on my car and recommended I contact XXXX to confirm. I emailed XXXX, and they confirmed that US Bank is the official leinholder on my title, and that US Bank needed to file the electronic title release. 

I called US Bank again on XX/XX/20 and spoke with XXXX. I told him that XXXX said US Bank needed to release my title. He told me that he would " escalate '' my situation to management, and that someone would reach out to me in 24-48 hours and that a letter would be sent to me by mail. I never heard anything further and nothing ever arrived in the mail. 

I called US Bank again on XX/XX/20 and spoke with XXXX. She told me the same thing that XXXX had told me back on XX/XX/20 - that the dealership may never have given them the title. I hold her that this is not what XXXX is saying and that I wanted to speak with a Supervisor. She told me that her Manager ( XXXX XXXX ) would call me back shortly to discuss. I made very clear that no one at US Bank has followed through on anything over the last 3 months, and she assured me that XXXX XXXX is very good and would absolutely call me back. I have not heard anything. 

At this point, US Bank has essentially stolen my vehicle. I paid my loan in full over 6 months ago, and they will not provide me with my title. After calling on 4 separate occasions and getting nowhere, I don't know where else to turn? They should be held accountable for this atrocious behavior.
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CT)

I am nearing the end ( finally payment ) of my mortage with US Bank. I spoke with a representative last Monday XX/XX/2022 and asked for a pay-off amount and stated that I would like to apply the monies that were being held in escrow ( taxes, insurance ) to the final payment. The representative stated that typically US Bank does not do it that way and it would take approx. another 20 days for them to refund my money. She did however provide me with an email address to the department which handles these actions and stated that it should not be a problem to use the escrow funds- my money- to make the last and final payment. I have contracted this department three separate times and have only received and auto-generated response of " Thank you for your email. Serving our customers is our top priority and a response will be provided after a thorough review of the inquiry. '' The escrow funds are my money, money that I have paid into my mortgage account, and I feel that I should be able to use my money to pay off my mortgage. If US bank insists on holding my funds, then I should be entitled to interest on my money. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Reel Time Capital LLC (FL)

I received a call from a XXXX XXXX on XX/XX/2023 stating that she was a process server and was trying to locate me. I told her who I was and she told me that she could not tell me why she was calling, that I had to call another number to get information. She called from a spoofed number XXXX. The number she wanted me to call back was XXXX. I called the number to see what is going on and the person who picked up identified herself as XXXX. XXXX proceeded to tell me that she was from Capital concerning a payday loan. When I questioned her to ask for debt verification and the companys name she became very rude and abusive. She presented herself as a process server and stated papers were being filed against me in the county. When I asked for her license and was she just a debt collector she refused to give me any information and just continued to talk over me so I ended the call. On XX/XX/XXXX, this same person contacted my daughters. When I called back and told her that she had already talked with me and that she was violating the Fair Debt Collection Act by contacting a third party and telling that third party that I was being sued for some type of debt, she said to me Maam just give it up. This company has violated the Fair Debt collection act by contacting relatives after they have spoken to me, and they also refused to identify themselves. Also very abusive when speaking with me and telling third parties that I owe a debt after speaking with me.
Consumer complaint received 2023-03-18
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: Advance America, Cash Advance Centers, Inc. (CA)

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2020-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (NY)

On XX/XX/20 I received a letter from TRS Recovery Services regarding a check number XXXX for the amount of {$190.00}. This check was written to XXXX. 

I called TRS and told them that I had not written any checks to XXXX and asked them to send me a copy of the check and a copy of the ID used to write the check. They refused but did provide me with the Account Number and Routing Number over the phone. The routing number ( XXXX ) is for XXXX in XXXX  XXXX. I called the bank and was told that account ( XXXX ) was closed for fraudulent activity. They would not tell me any more. 

I have contacted TRS repeatedly and relayed all the information above, several times. They continue to send letters demanding payment.
Consumer complaint received 2023-07-26
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. (PA)

I recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX 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 2022-12-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-18
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. (NM)

I contacted the Credit Reporting Agencies via Disputed letter after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that the late payments on the following accounts be corrected and fixed as soon as possible : XXXX XXXXXXXX Balance : {$14000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$31.00}. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law.
Consumer complaint received 2023-03-18
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00}.