davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo caused me to overdraft by lying about the amount of money I had left in my account. I made a payment to different place and they took the money out of my account holding it and showing it as pending. I check my account balance on the regular on the mobile app to avoid overdraft. It said I had an available balance of less than {$20.00} So I used my card to get food for approx. {$10.00}. I checked my account that night and it stated I had $ XXXXeft and I checked this morning and it now states that I have a negative balance of {$14.00}. There is no way that I could overdraft if they take the payments out a soon as I swipe my card and mark it s pending and hold the amount of money and show my new balance after taking out the pending charge. I talked to XXXX and her Supervisor XXXX from the Wells Fargo customer service department and both tried to tell me the money was no taken out when it stated pending and tried to blame it on the merchant I purchased something from.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC. (TX)

This is by far the worst bank I have ever had the displeasure of dealing with. Everything from the " customer service '' to their disputes process is lacking. 
I filed a fraud dispute with Frost Bank on XX/XX/23 from the total amount of {$920.00} and credit for that dispute was given on XX/XX/23. It's now XX/XX/23 and I noticed the credit was reversed and contacted frost were I have spoken to a tolls of six different representatives and each is giving me different contradictory explanations with no real reason, even the account manager XXXX was absolutely no help what so ever. I am now out of nearly XXXX dollars due to the incompetence of this bank. 
To make matters worse, the customer service rep told me I should work with the merchants on getting the funds back from them, mind you these are unauthorized charges NOT made by me so how in the world am I supposed to go about that when I have no information on the details of these transactions. 
I was a victim of fraud and frost is treating me like a criminal. They are refusing to work with me throughout this process dispute telling me previously that I can send in additional information to assist in reconsidering my case. I filed a police report and offered documentation as proof that my money has been compromised but Ive only been met with rude and dismissive attitude from this bank. How can you threaten to close a customers account because you are incapable of doing your part in protecting their money especially while charges are in dispute.
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ad Astra Recovery Services Inc (TX)

AD ADSTRA RECOVERY SERVICE ( XXXX XXXX ) I DONT RECALL HAVING ANY PAYDAY LOANS WITH THIS COMPANY I HAVE FILED A COMPLANT WITH THE BBB AND EVEN CONTACTED THE COMPANY. YHAT ARE INSEASTING THAT I OWE THE A BLANCE OF XXXX $ when I 've never taken out a payday loan with the company. I did take out a title loan which was paid in full because I received the title and later re sold that suv
Consumer complaint received 2022-05-13
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. (NY)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2017-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

For years on many occasions, I called XXXX XXXX to inquire about student loan forgiveness for XXXX working with XXXX XXXX XXXX and XXXX XXXX XXXX. I was continually told, by XXXX XXXX, I did n't qualify because my beginning loan date was before a certain date. 

I found out many years later, all I would have had to do is refinance my loans. I refinanced two years ago, so instead of having my student loans forgiven years ago ( XXXX for 18 years ), I still have eight more years to pay. 

I would very much like to share the details of my story and receive guidance joining the lawsuit against XXXX XXXX!
Consumer complaint received 2022-05-13
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. (CT)

On XXXX XX/XX/2022 I found a unauthorized charge to my credit card LL bean mastercard issued by Citibank. Last four XXXX. 

I contacted card company on XXXX XX/XX/2022 to report the misuse of my credit card by the electric company XXXX putting a charge of XXXX on my credit card. After calling the electric co. and was lied to that I made these charges I called the Citibank to file a complaint. I spoke with a person named XXXX who had told me that although the electric co. was to refund my money less a service charge and that Citi would refund me the XXXX service charge. 
Well the money was never refunded nor was the XXXX service charge. She gave me this reference number XXXX. 
The reason for my action is the XXXX electric of XXXX had used my credit card without my permission and a service charge on top of my original bill. 
This person at citibank only seemed to be placating myself. I received nothing following my attempt to file a complaint with citibank. I do not believe any action was taken. Thank you.
Consumer complaint received 2022-05-13
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: Merchants' Credit Guide Company (IL)

They have refused to fix or update my reports as I filed multiple disputes and have them the proper information. Not only did they not fix the error but they have allowed the reports to be updated. Their representative disconnected the call when I ask them to further investigate the errors.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SIMM Associates, Inc. (DE)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX  Attorney General and FTC
Consumer complaint received 2022-05-13
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: T.S. Holdings (IL)

They have refused to fix or update my reports as I filed multiple disputes and have them the proper information. Not only did they not fix the error but they have allowed the reports to be updated. Their representative disconnected the call when I ask them to further investigate the errors.
Consumer complaint received 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # 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 my written instructions
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 my written instructions
Consumer complaint received 2022-05-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 instruction
Consumer complaint received 2022-05-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-10-26
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. (PA)

The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They DID NOT do this. 

Also, they have violated my rights even more In accordance with Fair Credit Reporting, EVERYTHING has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and/or date last reported is not accurate. This is GROUND for removal. 

They also violated the law because according to 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 I did not give anybody written instructions!
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The account was the responsibility of my former spouse XXXX XXXX XXXX ( XXXX ), she is responsible per the court order dated XXXX XXXX 2015 Superior Court of California , County of XXXX, Judgement Case number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( Any and all remaining balance to XXXX XXXX Card ending in XXXX ) is the SOLE responsibility of XXXX XXXX. The Judge order states : '' Any and all remaining balance to the XXXX XXXX Card ending in XXXX and any and all debts incurred by her, Defendant, after the date of separation. This order is a matter of public record and I have provided by mail copies of such to XXXX, TransUnion and XXXX. The reporting credit bureau. refuse to remove this collection from my credit report. As an employee on a XXXX XXXX I must pass security clearance checks.This is a serious threat to my continued employment. Please help. I can provide copies of the judgment upon request.
Consumer complaint received 2022-05-13
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. (NV)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my Federally Protecte

d Consumer Rights to privacy and confidentiality in 15 USC 1681.

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A 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. 

XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-05-13
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. (NV)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality in 15 USC 1681.

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A 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. 

XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-05-13
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-22
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: Synovus Bank (MD)

Creditor extended secured credit of {$200.00}. Card associated with this account was never sent/received. Requested the card several times. Creditor had counted {$190.00} worth of charges for the card I had never even received, then closed my account and kept the security deposit.
Consumer complaint received 2022-05-13
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$420.00} ; XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-05-13
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. (CT)

In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX XXXX # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX. account # XXXX, XXXX XXXX. account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX, and 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 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-30
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

On the morning of XX/XX/year> I was getting gas at a local gas station and used my Chase XXXX XXXXXXXX card. Later on the same day, I received a text from the Chase XXXX department notifying me of an attempted purchase at XXXX XXXX in the amount of {$2400.00}. I was driving at the time I saw the text and was only able to read the first portion which stated that if I were to respond " Yes '' that I would not be charged for the purchase. I responded yes and then put my phone down. A few minutes later I looked at the text again and realized that I responded incorrectly. The rest of the text indicated that the purchase would go through if another attempt was made. The other option was to respond " No '' if I was not the person making the purchase. Once I realized I sent the wrong response, I texted back " no '' and proceeded to call the Chase XXXX department. The operator who I spoke to told me that I would not be charged for the purchase and that my mistake would not make me liable. I locked that card and reported it as stolen. 
About a month and a half later, Chase notified me that because of my original response to the text message, I am liable for the purchase. I then called Chase again, and was told that there would be a " one time exception '' made because I misread the text and that I would not be held responsible for the charge. 
I twas contacted by Chase again the same day and was told that they could not make any exception to the purchase because there is not proof that it I did not have the card in my possession. I was advised to submit a police report with my local police department and reopen my case with Chase XXXX -- this is exactly what I did. Chase has since put the charge on my card, over drafting my account by over {$2000.00}. This caused my XXXX XXXX to drop over XXXX points and they have not yet gave me a decision.
Consumer complaint received 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 my written instructions
Consumer complaint received 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 my written instructions.