davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (ID)

I own a small business. I contracted through XXXX ( XXXX XXXX XXXX ) for all my payroll needs. XXXX  sends an email to my employees. This email enables my employees to enter their account information for direct deposit. I had one employee enter the wrong account number. This employee told me that he did not get his direct deposit on XX/XX/XXXX, for the amount of # XXXX. I thought it might have taken 2 weeks to get money, so we waited. I pay my team every week. On XX/XX/XXXX, he did not get paid again for {$440.00}. After the second week of my employee not getting his money, I called XXXX. This was XX/XX/XXXX. They sent me the ACH Trace ID number for the deposited transaction and told me to contact my employee 's bank, US Bank. My employee called US Bank and they told him that I needed to call them. I went to the bank and then they told me he needed to go in. The next day we both went into US Bank, and they told us there was nothing they can do. That we needed to call the XXXX number. So, we did. After an hour, the US Bank representative told us that this is XXXX 's responsibility and they needed to take care of it. Ok, fine. I went home and called XXXX. After an hour and a half on the phone with XXXX, I got disconnected. However, I did call them back and they informed me that because I didn't contact them within 5 days of the transaction, there was nothing they can do. And that I needed to call US Bank it is their responsibility to get my money back. During this phone call that lasted an hour and a half, the XXXX representative had me change the pay for my employee to a check. After I did that, the transaction read return funds of {$0.00}. I asked what that meant, and the representative put me on hold, for an hour. Now that the pay was converted to a check but the notice on XXXX said I was getting nothing back from the bank transaction, I had to figure out a way to get my {$830.00}. I know that XXXX  and US Bank may think that is nothing compared to the millions of dollars that they make a year, but I am a small business that just opened in XX/XX/XXXX. I am in my first three months of struggle. I just want my money back. My employee needed his money to pay rent and bills. I paid him in cash until all this is taken care of. I would like to know who's responsible for not verifying that the bank account number entered and the name on the bank account is correct? I would like to know how to get the money back from the wrong account it went into? I have ACH Trace ID number. I have the wrong account number where my money went. I have dates. I have amounts. I have everything I need to get my money back. If there is any way you can help, I would appreciate it. Please and Thank You for your time.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I previously disputed an incorrect bankruptcy on my Experian Credit Report. 

I have done this three times in XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). 

I filed a complaint with CFPB on XX/XX/XXXX concerning this issue. 

Experian responded with the same response as previously. They did not look at any of my supporting documentation, including a letter from the court. 

It is clear that the bankruptcy court does not report to any credit bureau for this bankruptcy matter ; therefore their original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

I have worked with XXXX and XXXX on this matter and they removed the erroneous bankruptcy immediately. ONLY EXPERIAN IS REPORTING INCORRECTLY AND THEY HAVE REFUSED ANY ATTEMPT TO REMOVE THIS ERROR!
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

First, a job offer was accepted from indeed for an unnamed company ( red flag ). They contacted me about an job offer. The offer was great for a large sum of money. At this time the name they said they were was XXXX XXXX. The job offer was for XXXX XXXX XXXX  netting XXXX a year as an independent XXXX. XXXX XXXX was for two weeks paying {$2000.00} at the end of the two weeks. In the final task, I was required to do transfers from my account to theirs and vice versa under the vice escrow account/ company transfers etc. On XX/XX/XXXX I received {$3000.00} from OREGON XXXX XXXX XXXX, XX/XX/XXXX RECEIVED {$2800.00}, on XX/XX/XXXX WITHDRAWAL WAS MADE FOR {$2800.00}, on XX/XX/XXXX WITHDRAWL WAS MADE FOR {$2600.00} into an old WELLSFARGO ACCOUNT. On XX/XX/XXXX i deposited the amounts into a XXXX  account. On XXXX after reading a XXXX XXXX, I closed my account with WELLSFARGO noting the mistake advised to block all future transfers, and XXXX also blocked me from all communication, and I never did receive my {$2000.00} from them. On XX/XX/XXXX, I noted a pending transaction from an attempt to pull {$3000.00} and {$2800.00} in which I called WELLS FARGO and confirmed it was unauthorized, and to not allow those transfers to go through to the new bank checking account. WELLS FARGO confirmed in writing that the transfer was unauthorized and told me by phone, it would not affect the new account. Then, On XXXX, the transfers finalized and drained my entire account prompting overdraft fees and the account to go negative. On the same day, a claim was placed on the unauthorized transaction. WELLSFARGO blamed me denied refund of funds, denied any blame, and then proceeded to advise me to take out a loan to cover the negative funds. I then went to do a police report to report the crime and opened a new account with another bank in the meantime. I have all documentation to show the negligence of WELLSFARGO who has suggested i contact XXXX or the XXXX  to politely ask the scammers to stop draining my bank account. This negligence of WELLSFARGO is demeaning and has prompted me to seek legal help for potential arbitration against WELLSFARGO 's undue diligence. DO NOT TRUST XXXX XXXX ; IF THE JOB OFFER SEEMS FISHY OR TOO GOOD TO BE TRUE< LOOK ELSEWHERE.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (TX)

I called PNC Bank and spoke with XXXX XXXX ( XXXX ), and I asked for her supervisor several times during the conversation. She said that she needed additional information from me. After displaying her carefree attitude, I told her that I would like to speak to a supervisor to address my concerns. I initially asked to fax in a copy of my Power Attorney for my son ( XXXX XXXX ). I explained to her that I wanted to pay the fees on his account because the account was closed, and he had a severe XXXX XXXX XXXX. She was very dismissive. She said her supervisor was in a meeting. No other supervisor was avaialbe. I even asked to speak to her Supervisor, Supervisor and she told me that they were not available. 

I have a doctor 's appointment today at XXXX, but as soon as I get a chance, I will close my account and take all of my money out of their bank.
Consumer complaint received 2022-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

This company is violating my consumer rights pursuant to 15 USC 1692g. I sent this company a letter on XX/XX/2022. I received a response ( see attachment ). I requested an audit trail for this alleged debt. I have no idea what this is definitely not an audit trail. This is my last time requesting this information or i will file suit. I want to be extremely clear on the next thing I'm about to say .... Once i file suit I WLL NOT settle out of court.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (AL)

I got a collection reported on my credit report for an online course that I never enrolled in. I have never given this company my social security number nor have signed any documents nor I have participated in any online course with them. I do not know where this account is coming from and it is ruining my credit report falsely damaging my good name.
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unifin Inc. (MN)

I received a letter from Unifin INC . Address : XXXX  XXXX  XXXX XXXX, IL XXXX. Account reference no XXXX. I confirm over the phone my the last four digits of my SSN are correct ; my last name is incorrect ; I advised the agent that is no my legal name announced that I am a FRAUD VICTIM., and I have an EXTENDED ALERT on all my credit files. Also advised that this account was opened fraudulent over 19 years ago, XX/XX/2002 ; at the time, I was a minor. The agent told me I do not care what you are describing how you will pay for this amount you own, or We will be a force to pursue legal action against you. After requesting to speak to a manager or supervisor, the supervisor hangs up the phone after insulting me. I contacted this creditor several times and was placed on hold, and I was told several times ( " DO WHATEVER YOU LIKE WE DONT CARE '' ) I notified this collector that I would be filing a complaint with FDCPA, and they hang up the phone again for the fifth time.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I sent Experian an affidavit of facts that was nortized by a public official. In this Affidavit Experian was asked to remove inaccurate names and addresses on my credit report. ***affiavit attached*** Experian willfully shows noncompliance as I have stated under oat this information is incorrect. 

Experian has stated that the information was only updated same information and did not delete. The addresses were deleted by other credit reporting agencies but Experian does not want to follow the law. 

This is my final attempt of getting this corrected or Experian will be meeting me in court. 

Report # XXXX
Consumer complaint received 2022-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NC)

I entered into a forbearance plan during COVID due to job loss. I am now making payments again and have been for 90+ days. I applied for the homeowner relief program ( NC HAF ) and was approved, pending award. I have followed up with Flagstar Bank ( mortgage company ) and NC HAF repeatedly. Ive contacted HUD as well. It has taken months to process the application, and now its been weeks with no progress on the payment to Flagstar. Flagstar is pushing me to renegotiate my loan ASAP but I want to wait on the homeowner assistance program because I am approved and need that help. If I accept through Flagstar, I can not get the assistance. Neither parties are speaking to each other and I have to have a resolution by XXXX. My home depends on this. Thank you in advance.
Consumer complaint received 2022-07-22
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: MOHELA (CA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

On XX/XX/year>, I made a deposit of {$11000.00}, only to find out later that the check was flagged as fraudulent. Consequently, my bank froze my account, causing significant disruptions to my business operations. With my account frozen, my employees were unable to collect their rightful wages, and several checks bounced, resulting in overdraft fees. 

Despite assurances from the bank, the funds have yet to be released. They indicated they would return the money to my clients, but this process has been delayed indefinitely. In an effort to expedite the resolution, my clients provided a copy of the cancelled check to demonstrate that the funds were indeed collected by the bank. 

Unfortunately, the situation has become increasingly frustrating as the bank now claims uncertainty regarding the whereabouts of the funds. This ongoing ordeal has not only impacted my business 's financial stability but has also strained the trust between myself, my employees, and my valued clients.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (AZ)

XXXX I received a notice from XXXX that Credence Resource Management , LLC added a collection account to my report in the amount of {$1800.00} stating Collection Account Open XX/XX/XXXX. I have NEVER heard from this collection agency prior to this being added on to my XXXX report on XXXX. 
I emailed the company on XXXX asking for proof of this collection along with a settlement letter. On XX/XX/XXXX I received an email to use my zip to view the letter. My zip code did not match, I emailed back and informed them of this on XXXX. On XX/XX/XXXX, they resent the letter dated XX/XX/XXXX to use my 1st name for the password. The mailing address for me on this letter is not valid and has not been valid since XXXX of XXXX the letter is only labeled as : " VERIFICATION OF BALANCE ''. 

This letter does not contain any form as how I can dispute this collection. The Notice of Debt must contain a statement advising me of my rights under the ( FCPA ), including a statement that I have the right to dispute the debt within 30 days of receiving the letter. 
This letter does not contain the following : The date of the last statement or invoice provided to the consumer by the creditor. 
The charge-off date. 
The date of the last payment applied to the debt. 
The date of the transaction that gave rise to the debt. 
The notice labeled " VERIFICATION OF BALANCE '' does not prove this debt and the letter does not provide the following information as a way to dispute : This is not my debt. 
The amount is wrong. 
Other- they must also contain a returnable form allowing you to declare that you are disputing the debt and allowing you to select one of three reasons for a dispute :
Consumer complaint received 2020-07-29
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. (OH)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT ED XXXX XXXX {$3700.00} DP EF EDUC XXXX {$2600.00}
Consumer complaint received 2020-11-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CT)

There is a company attempting to collect a debt from me, but they keep changing the dates as to when the debt was opened in an attempt to never have the debt removed from my credit report. They will pull the debt from my credit and then replace it with a new date that it was opened!
Consumer complaint received 2022-11-02
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. (GA)

Experian does not and have refused to follow the law. I am a victim of identity theft I have had a fraudulent auto loan reporting on my Experian credit report for over 3 years. The auto loan was opened in XXXXXXXX XXXX. Someone took my XXXX Drivers license at the time went to XXXX and purchased a vehicle in my name and social. 

I've sent several letters to Experian and XXXX asking them to block this account according to FCRA section 605, They initially blocked it, only to re- inserted it a few weeks later. without giving a reason why it was placed back on my file. Every other letter since then has been ignored and no response has been given. Ive sent police reports, everything, they refuse to cooperate with me.
Consumer complaint received 2022-03-01
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FISERV INC. (MN)

I am a victim of identity theft. The following 32 inquiries on my XXXX XXXX currently listed and showing on my Tele Check File Report Tracking Number : XXXX is fraudulent and unauthorized. The 32 inquiries are fraudulent, unauthorized and not my inquiries. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

I use Chase for my banking right now and saw 2 service charges on my checking account yesterday, XX/XX/22. When I inquired as to why I was suddenly being charged service charges I was told that they had changed my account type. I've had this account for about 12 years now and it has always been that one of the criteria for not being charged a service fee is that I must use my debit card 5 times during the course of the month. I'm not sure what the daily limits used to be but now they're demanding I keep a {$1500.00} minimum!!! That's utterly ridiculous and only serves to screw over people who aren't rich. I was never informed that they wanted to change my account and I sure as XXXX never agreed to it. 

I had a meeting with a banker at a branch earlier today and they refused to do anything about it. They said that they're forcing everybody into this XXXX and if I don't like it I can close my account. 

I've never dealt with such unprofessional nonsense before. Not only do these banks not give us interest on our money anymore but they actually think it's acceptable to take our money for them to have the privilege of using our money to make themselves more money. I DON'T THINK SO!! 

I want my account left as it was. They absolutely don't deserve, and have no right, to take my money simply because they feel like changing account policies on a whim. During the course of this pandemic the rich have gotten richer and the poor have gotten poorer. How dare they pull this XXXX!
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing this today in regards to XXXX XXXX  Account # XXXX, I have reached out to the bureaus along with XXXX  XXXX  to get more information about the reporting which seems inaccurate. I have gotten no response. I will list the issues below and then include a copy of the report. 
1. Date opened is not consistent 2. Date of last payment is not consistent 3. Date of last activity is not consistent 4. Date of first delinquency is not listed 5. Date closed is missing 6. Payment status is not consistent
Consumer complaint received 2024-03-27
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

I received a letter from XXXX XXXX regarding my account- the letter stated that my account would be closed due to recently updated information on my credit report. I called the creditor and asked what was going on. The lady who I spoke to explained that my account was being closed due to a late payment from a different creditor being updated as 30 days late- I explained to the lady that the late payment from the different creditor was incorrect, it was a system error and it's being updated soon- I also explained I had documentation to prove it. I explained that if she reviewed my credit report holistically that she would see the dispute and the remarks. She became rude and said " Well, okay- the account would have still closed because the credit usage is high '' - I then explained, it's high because my credit limit was dropped by their company and that I haven't paid the balance off because I am on a promotional plan. She became VERY aggressive and short with me saying that NO MATTER WHAT the account was going to be closed because I am a " risk ''. I explained that I have had my account with the company for YEARS, I have never paid LATE, and I have made several purchases with my card and I have NEVER had these issues until the late payment ( Which is NOW removed and updated on my report ) was added. She refused to listen- she did not attempt to assist me with an appeal of anything. PLEASE PULL THIS CALL. - The rep 's name I spoke to was XXXX ID # XXXX.