davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-19
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: WELLS FARGO & COMPANY (KS)

I cant count the number of times that I have reached out to Wells Fargo regarding my business credit card being frozen. The way Wells Fargo has handled this has been horrendous. I was approved for the credit card, began doing the {$5000.00} spend and met about {$3000.00} of that and then out of the blue my card was frozen and can not be used. This was about a month ago. After countless investigations and requests from Wells FArgo to send this to the backend team nothing has come across. 

The issue is Wells Fargo is stating that I need to provide my business through filing a business license. This is a Sole Proprietor business where I am using my first and last name as my business name and my social security number as my tax ID. 

The Kansas laws specifically says on the Kansas Secretary of State website on http : XXXX - Q : Are all companies doing business in Kansas required to file with the Secretary of State? 
A : No. Sole proprietorships do not file with the Secretary of State. 

Also - DBAs, Fictitious Names, Sole Proprietorships, Etc. 

Q : Do you register DBAs ( doing business as ) or fictitious names? 
A : We do not list or register DBAs in the State of Kansas. Kansas does not have statutes requiring or permitting the registration or filing of DBAs or fictitious names. 


This could not be any more clear. I do not and should not file a Sole proprietor business in Kansas and don't require permitting registration or fictious names. 

My account should be restored immediately and Wells Fargo should still allow me time to complete the bonus requirements. I have a large transaction coming up so the timing should be an issue assuming Wells Fargo unsuspends this card immediately. 

This isn't the first time I have been accused of something from Wells Fargo, earlier this year for my checking account it was frozen and I was forced to come in to prove my identity. This took hours out of my day and I was late to my grandchildren 's soccer game. If you guys want a chance at a relationship with me or my family, please do the right thing.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CT)

American Express declined to increase my limit, they provided me with incorrect reasoning and a false credit score. When contacting customer service on multiple occasions they told me they were transferring me to the correct department when they were realistically sending me to start a new call. This was on XX/XX/XXXX. The date the credit limit increase was requested was on the XX/XX/XXXX and they claim the request was made on the XX/XX/XXXX. This is for a corporate credit card. At this point I feel I am being discriminated against for my age or for their knowledge of my previous credit scor prior to corrections. Also, with my previous employer my credit limit was set at XXXX and now this is set at XXXX. Im being forced to utilize this credit card through my employer. I need them to correct this and provide me what is provided to the rest in my company without discrimination.
Consumer complaint received 2020-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I opened a Capital One 360 checking account on Friday XX/XX/XXXX with an initial deposit of {$120.00}. The banks website states accounts that are funded when opened will have atm cards sent by XXXX ( overnight ) in 1-2 business days otherwise cards will be shipped by USPS. 

I called the bank on Friday XX/XX/XXXX regarding the cards whereabouts and was told by the first CSR that it had been sent by USPS even though it should have been sent by XXXX  XXXX. The CSR could not explain the error. I requested a second CSR ( XXXX I believe ) who explained it was possibly a " glitch ''. Neither of these are explanatory or acceptable answers as it pertains to the handling of money. The interaction with Capital One seems fraudulent or otherwise falsely advertised given that all criteria was met.
Consumer complaint received 2018-05-22
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. (NY)

Greetings, For the past two years or so, I have been going back and fourth with XXXX because they refused to remove two negative accounts on my credit report. The accounts are showing charged off. I spoke to both credit card companies and they told me it's up to the credit bureau to remove the accounts. My mother just passed on XX/XX/2018. I do not have a job at the moment. The credit card companies understood this because they saw I was making payments on time before the company I worked for went out of business. Since then, I have not been able to cope with this lost. After that, it was unfortunate events after another. These accounts are not only a weight over my shoulders but these are blocking me from moving forward or even have a new start. Keeping this on my credit report is some sort of punishment. I have been punish enough so please help me get these solve. 

According to the fair credit act, the statute of litigation on debt in XXXX is 3 yrs. and 5 yrs in XXXX. These two accounts are too old to be on my credit report. They are going with the statute of litigation in XXXX. However, I didn't have a verbal agreement with any company in XXXX. The verbal agreements I had was with two companies one located in XXXX and the other in XXXX. On top of that, there so many errors that they refused to fix. XXXX had different stories every time I called them. A month and half ago I called them because they sent me a letter stated the accounts were deleted. I looked at my accounts and it was still showing. The agent I spoke to, she told me she wasn't able to see the accounts on her end. But I was able to see them on my end. I have proof of the letter they sent me stated the account was deleted. They continues to lie every time I called. Please help me with this matter. Thank you! 

XXXX XXXX
Consumer complaint received 2018-05-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp. (TX)

I went to car dealer and signed a contract on the XX/XX/2018 and made the agreed payment dait of the first of every month because I am on social security told XXXX XXXX XXXX I was on XXXX so car dealer and them were aware of me being paid the first of the month the person that called me they said they dont care about my XXXX then told me pay by the XX/XX/XXXX or they take the truck but have a 3 day grace period and they said they dont care my XXXX has no barring on the contract by law I have a verble contract with the dealer so now I pay on the first only or I get you for XXXX discrimination and file on my bankruptcy, The dealer said we can sign the contract now get my insurance pay first payment on the first they said they set it that way so we can pay for the truck without any problems like XXXX XXXX XXXX putting all [ payments late have witness to the fact and verbal contracts hold up in the court of law.
Consumer complaint received 2018-10-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (PA)

I stopped at this PNC branch to cash a check drawn on said bank by XXXX XXXX XXXX XXXX. My XXXX was refunding an over-payment I made of {$200.00}. Teller told me it would cost 2 % of check to cash even though it was drawn on PNC Bank! I asked to speak to branch manager who wasn't in at that time. ( Approx. XXXX ) Instead, teller supervisor XXXX XXXX came to speak with me. Though she was polite, I would have been better off talking to a computer, a desk, a chair, the wall, etc. I explained though I didn't have an account w/PNC it was a small check, written by a small business right down the road from this branch ( about a 1/2 mile away. ) I think I may have also mentioned I'm a stockholder, and I emphasized the check was drawn on PNC Bank and that XXXX XXXX XXXX XXXX, obviously was their customer, and they certainly wouldn't want me to have to pay 2 % for the money they accidentally overcharged me! Nothing! No empathy whatsoever. She simply kept chanting her 2 % check cashing fee mantra! Disgusted she wouldn't listen to what I had to say and continued to talk like a robot, I asked for the branch manager 's  business card. She handed me the card, and I started to walk away. As I looked at the card, I realized it was her card instead of the card I asked for, and I immediately headed back to the counter. I repeated my prior request, telling her I didn't want her card, I wanted the branch manager 's card. She then handed me his card. Upon getting back to my car, I sat in the car, and I called the branch manager 's phone number. Of course, one of the girls in the bank answered the phone. I asked to be connected with Mr. XXXX 's voicemail, and I was I would be connected, but I was immediately cut off. I immediately called back. This time I got another girl who successfully connected me with XXXX XXXX 's voicemail. After I left the message, I thought to myself, " How XXXX! '' There was hardly anyone in the bank when I was there, it was early, and everyone was listening. They clearly knew who I was, and I'm sure they probably erased my voicemail before XXXX ever got in the office! ( It's XXXX at present, and I haven't heard from, and I'm confident I won't. I'm sure they erased the voicemail I left him. ) I think it's an absolute sham ( and again, I'm a stockholder! ) the way this bank wants to charge me 2 % to get such a little amount of money for which I was overcharged by me dentist WHO IS A CUSTOMER OF PNC BANK!!! Poorest, most arrogant customer service I've ever encountered at any bank in my entire life! The teller supervisor 's lack of empathy and constant, robotic response is what really gets me! It's clear it wouldn't have mattered if the fee was ten cents, a nickel or a penny! She was gon na continue chanting the fee was their policy  until her lips fell off!
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

PayPal limited my account for 180 days and when the day is up to I cant add my bank or card to the account since the card in the account has been outdated. I keep calling and texting them but no help.
Consumer complaint received 2018-05-22
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. (NY)

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by TransUnion. XXXX XXXX ... On XX/XX/2018, I wrote TransUnion directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX listing. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that TransUnion received the dispute. A copy of this complaint as well as past CFPB complaints on TransUnion is going to the FTC, Illinois Attorney General, New York Attorney General, XXXX XXXX XXXX and my legal counsel.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (CA)

i notified, this is not my account, and they insist on collecting and sending me to jail, i ask for the copy of the application, and they don't send it.
Consumer complaint received 2018-10-19
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. (MS)

I am a victim of identity theft. The accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Consumer complaint received 2018-04-27
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. (TX)

Received credit report from Experian XXXX for XX/XX/XXXX. Inquiry was made by XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. No phone number given. Letter was sent to the company XX/XX/XXXX requesting why they obtained my credit report. The company has not responded. I do not recognize this company.
Consumer complaint received 2018-05-22
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. (NY)

Greetings, For the past XXXXwo years or so, I have been going back and fourth with Experian.com because they refused to remove two negative accounts on my credit report. The accounts are showing charged off. I spoke to both credit card companies and they told me it's up to the credit bureau to remove the accounts. My mother just passed on XX/XX/2018. I do not have a job at the moment. The credit card companies understood this because they saw I was making payments on time before the company I worked for went out of business. Since then, I have not been able to cope with this lost. After that, it was unfortunate events after another. These accounts are not only a weight over my shoulders but these are blocking me from moving forward or even have a new start. Keeping this on my credit report is some sort of punishment. I have been punish enough so please help me get these solve. 

According to the fair credit act, the statute of litigation on debt in XXXX  is 3 yrs. and 5 yrs in XXXX. These two accounts are too old to be on my credit report. They are going with the statute of litigation in XXXX. However, I didn't have a verbal agreement with any company in XXXX. The verbal agreements I had was with two companies one located in XXXX and the other in XXXX. On top of that, there so many errors that they refused to fix. Experian had different stories every time I called them. A month and half ago I called them because they sent me a letter stated the accounts were deleted. I looked at my accounts and it was still showing. The agent I spoke to, she told me she wasn't able to see the accounts on her end. But I was able to see them on my end. I have proof of the letter they sent me stated the account was deleted. They continues to lie every time I called. Please help me with this matter. Thank you! 

XXXX XXXX
Consumer complaint received 2022-06-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-03-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

This is my third complaint but after talking to an attorney I need this to be looked into. Again it said on the last couple of bills that are sent monthly that I was enrolled in a loss mitigation program it said I was in a repayment program the date of that bill was XX/XX/2022 my house was sold at auction 6 days later on XX/XX/2022. If this was somehow a mistake as you are not supposed to sell the house while in a loss mitigation plan then you took away my rights to try to do something with many of the programs available then that are not after the sale so if this was a mistake how are you going to remedy it or if you meant what you did having me in and thinking I was in a loss mitigation program that is called dual tracking and is not allowed. Also there may be another problem coming as I asked for a copy of the sheriffs deed from XXXX law and boy were they mad did not really want to do it and were questioning me why they said they would have it in their possession by XX/XX/2022 and finally agreed to send it to me when they got it, today is XX/XX/2022 that is when I asked for it. I will say talking to people in the legal field really helped and I will continue now that I they are willing to help me. I also hope that the CFPB will take the time to look into this and or pass them along to an agency ( XXXX ) who will THANK YOU FOR BEING THERE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! AND I WILL ASK THE CONSUMER FINANCIAL PROTECTION BUREAU AGAIN TO PLEASE LOOK INTO MY COMPLAINTS I AM BEGGING YOU.
Consumer complaint received 2020-07-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America Home Loans made a Hard Inquiry on my credit on XX/XX/2020 without my expressed permission! 

I have tried to call SEVERAL times to have this removed and have not received a call back.
Consumer complaint received 2018-05-22
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: Early Warning Services, LLC (GA)

I was reported to ews over a year ago for a fraudulent activity that took place on a XXXX XXXX XXXX account that i never had. Which forcefully caused my XXXX XXXX bank account to close when i made an attempt to open an additional account to manage my money better. I have made several attempts on contacting ews but the account i requested to be resolved have been bypassed. I am seeking immediate results.
Consumer complaint received 2018-10-19
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)

On XX/XX/2018 4 payments were received by Wells Fargo. Each payment was done by check. Normally, Wells Fargo would post the payment on the credit card account and then the following day the check would clear the Wells Fargo checking account that the checks were drawn off. But this time, that did not happen. Wells Fargo did not post the payments but rather collected the money and then one business day later the payment was posted to the account. 

I contacted Wells Fargo about this issue and was informed that payment can take 1-3 days to post but after explaining to the customer service rep that in the past that was not the case and this only began to happen once the credit card account was closed. I was transferred to a supervisor who explained the same thing but after informing them that my concern was not being addressed, I was then transferred to another rep who continued to explain the same thing to me about payments taking 1-3 days to post. 

I interrupted the last representative and advised them that this only happened after I closed the credit card account and based on the actions of Wells Fargo, this appeared to be a deceptive practice. I was then informed that my issue would be escalated to another department who would be contacting me within 1 business day. I was provided with case # XXXX and provided that department 's phone # as XXXX. 

As I researched further I came upon the last 3 check payments that were sent to Wells Fargo and found the following information : On XX/XX/2018, 3 payments posted to the credit card account {$23.00}, {$26.00} and {$24.00}. As XX/XX/2018 fell on a Friday, the checks cleared my Wells Fargo checking account on XX/XX/2018. 

This is why I believe that Wells Fargo is once again engaging in deceptive practices as other financial institutions such as XXXX XXXX XXXX, XXXX and XXXX do not collect funds and then post a payment. The same can be said about other financial institutions such as my auto loan.