davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (MD)

As a Wells Fargo customer, I was alarmed to discover on XX/XX/2024, that a substantial sum of {$10000.00} had been debited from my personal student checking account without my consent or authorization. This transaction occurred between XX/XX/2024, and XX/XX/2024, leaving me deeply troubled and bewildered. 

Upon contacting Wells Fargo immediately on XX/XX/2024, I found the personal account banking agents to be perplexed and unaware of the reasons behind the unauthorized withdrawal from my account. Subsequent investigation revealed that Wells Fargo had debited my personal student checking account to offset a debt linked to a business credit card account held by XXXX XXXX XXXX with Wells Fargo. 

I wish to emphasize that at no point did I explicitly authorize or consent to Wells Fargo withdrawing funds from my personal student checking account to settle the debt of my business credit card, nor for any other business-related matter. Furthermore, I received no court order, judgement letter, correspondence from the court, certified letter or prior notification, whether by mail or verbally, from Wells Fargo regarding their intention to garnish funds from my personal student checking account. 

Despite my repeated requests for documentation proving authorization for the debit, I have received no response or explanation from the bank, even after visiting a Wells Fargo branch on XX/XX/2024, where the branch XXXX attempted to contact the agent, XXXX, responsible for authorizing the debit, without success. 

Furthermore, on XX/XX/2024, at XXXX XXXX XXXX, I received a call from someone named XXXX XXXX, who claimed to work for Wells Fargo. XXXX XXXX refused to provide any information but instead insisted on obtaining further details from me. Despite my refusal to engage without proper authentication, XXXX XXXX persisted in attempting to extract information, failing to follow the necessary security protocol. It's worth noting that XXXX XXXX seemed unaware of the withdrawal made by Wells Fargo, which raised significant security concerns. 

This entire ordeal has not only caused me considerable emotional and financial distress but has also prompted serious doubts regarding Wells Fargo 's adherence to legal and ethical banking standards.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I charged a deposit on a cruise for {$1000.00} on XX/XX/2020, and charged the balance of {$8500.00} on XX/XX/2020 for XXXX XXXX. 

XXXX advised me that if paid the balance due they would refund my money if the cruise was cancelled. 

On XX/XX/2020, XXXX cancelled my cruise. I requested a refund and disputed the charges because the " terms and conditions '' stated that I was due a full refund if the cruise line cancelled. 

During the dispute process, XXXX untruthfully said that I had cancelled the cruise with a 100 % penalty, when in fact XXXX cancelled the cruise and at this point has cancelled all of their cruises. XXXX  cancellation was made in writing and I provided American Express a copy of the email that XXXX sent me showing AmEx that XXXX had cancelled. I also provided a copy of the terms and conditions showing that I was due a full refund. 

I received no value for my {$9500.00} ( {$1000.00} plus {$8500.00} ). 

XXXX has indicated in voice call, but not in writing, that they owe me the refund " but are behind in processing refunds ''.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VYSTAR CREDIT UNION (FL)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2024-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX & XXXX XXXX immediately.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Consumer complaint received 2019-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

About 4 weeks ago, checks were taken from my moms house, and cashed for large amount of money. My mom is not in the best health, and I am on her account to help her manage her money. During the time this happened I was out of town and she tried to handled the situation on her own, however she is not aware of many things in her house and Chase now keeps declining her claim. Her money is lost and Chase is not taking responsibility of not securing her money and allowing fraudulent checked being cashed. The checks clearly looks fraudulent, there was major red flags, signatures did not match, checks were out of order, hand writing did not match, they were for large amounts that is also unusual. 
Chase allowed my mom 's money to go out authorized by me and now refusing to take responsibility for their mistake.
Consumer complaint received 2021-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (PA)

BB & T Banking and Trust Company This bank keeps sending me collection notices, on accounts that are not mine.

They are threatening to send negative collection data, about me, to " XXXX  '' ( whom I have never heard of ), when I don't even know who this Bank is, or how they could claim to know me. 

The fraudulent accounts are : ACCT # XXXX {$790.00} ACCT # XXXX {$280.00}
Consumer complaint received 2020-09-24
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: AMERICAN HONDA FINANCE CORP (CA)

Report shows my final car payment was late, but i provided a bank statement showing it wasn't. I even provided bank statements for the previous months to show that it was paid on the same day every month ( it was on autopay with the leasing company after all ) with no issue.
Consumer complaint received 2019-07-12
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. (GA)

Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX however Equifax has not removed this from my report. I have contacted the bureau to fix this issue however I was unsuccessful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2023-08-17
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MO)

I called LVNV Funding, which redirected me to Resurgent Capital Services, on XX/XX/21 at around XXXX XXXX. 

I spoke to a representative named XXXX to ask her to send a letter of verification of this debt, which I have already disputed with the credit card company and it's said to be within " FCRA requirements ''. This debt is not mine. 

XXXX told me of a " cease and desist order '' that was placed on my account and that it had to be lifted before any debt verification letter could be sent. I gave no such cease and desist order and told them to lift it so I can verify the debt. This company illegally put a cease and desist order on my account, without my knowledge, so they can try and sue me for a debt that is not mine.
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery is calling me repeatedly from various XXXX numbers in an attempt to collect debts that were discharged and well beyond the statute of limitations. I currently have no outstanding delinquent debts. They have texted me, called my personal phone and my business phone.
Consumer complaint received 2022-08-27
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. (NC)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OPORTUN FINANCIAL CORPORATION (CA)

Account Name : OPORTUN/PROGRESO FINAN Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

I had charges on my card that I did not do and theres no way I could do them because I was at work. They denied my claim now Im stuck and cant pay my bills because they dont have extra security for there bank which is US bank
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (WI)

I have my XXXX check direct deposited with XXXX XXXX. And every month for the last year and a half they have been charging me XXXX cents for a paper statement mailed to me that I did not request. On their website they give you an option of checking a box for a paper copy. The box is not checked. I have called and requested that they quit charging me and that I want all the charges refunded to me an am told I will hear back from the in 5 business days and I never here from them on this matter. Since it is the XXXX of the month I checked my account balance and they charged me XXXX cent this month also XX/XX/2018. I have contacted them 3 times about this matter. I wonder how many more people they are doing this to..If I didn't check my balance daily I would have never noticed the XXXX cent fee.
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IN)

Hello - My mortgage account transferred from XXXX to Loancare as of XX/XX/2019. I made an electronic payment of {$1100.00} to Loancare through XXXX XXXX Bill Pay on XX/XX/19, but used the old XXXX account number, as I didn't receive a notice advising my account number had changed until after the payment was made. 

This payment has not been posted to my mortgage account at Loancare as of XX/XX/19 despite various attempts to resolve the issue with Loancare. XXXX XXXX XXXX uses a processing company to deliver payments called XXXX ( also known as XXXX ) Bill Pay. A branch banker at XXXX XXXX sent XXXX Bill Pay electronic payment proof that the payment was made ( also attached the proof details to this complaint ). 

After not getting anywhere calling Loancare directly, I worked with a banker at XXXX XXXX XXXX who placed several calls with me to Loancare and provided the proof details to Loancare. When the issue remained unresolved, on XX/XX/19 a case was opened at XXXX XXXX and a Bill Pay Resolution specialist got involved. I placed a series of calls with this specialist and Loancare, each time being advised the issue would be escalated and resolved. On XX/XX/19, Loancare provided ticket number XXXX when XXXX XXXX XXXX once again sent proof details along with a request to post to the correct account. 

We then followed up with Loancare on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX each time being advised a supervisor would call back but either we did not get a call back or received a call back saying they would follow up again but not following through. 

I'm opening this complaint as a last resort. 

Thanks for your assistance.
Consumer complaint received 2019-07-12
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. (TX)

On XX/XX/2019 I faxed and mailed challenge letters to Experian in reference to accounts that are reporting falsely which are XXXX XXXX XXXX/ XXXX, DEPARTMENT OF DEFENSE , AND XXXX XXXX XXXX XXXX with all the account numbers to match. I asked Experian to investigate these accounts because they are reporting falsely. I listed the reason for the violation and what I wanted done which is for the items to be deleted. I asked after deleting these accounts to send me a COMPLETE and fully updated credit report. I included a tracking # and a paper trail # so that I can have these for my files. I also included supporting documentation that shows the inaccuracies and circled them in red as proof. I also including my identification to prove that I am who I say I am. The investigation was opened on XX/XX/2019 and the investigation was closed on XX/XX/2019. The date of status never changed for the XXXX XXXX or XXXX XXXX XXXX which is a violation for one and two shows that NO INDEPENDENT investigation was ever conducted which is a violation under the FCRA. For the DEPARTMENT OF DEFENSE account it states the item was updated from processing of dispute in XX/XX/2019 but I just challenged this account on XX/XX/2019 which also tells me no investigation was ever performed. I very upset and very dissatisfied with this company and how they are handling my credit and personal information and my rights under the FCRA. I want these items deleted from my credit report immediately because I have done exactly what was asked which was a letter 100 words are less stating the issues supporting documentation to go along with and what I wanted to be done and this has not happened
Consumer complaint received 2019-01-04
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: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are  required to comply. My name is XXXX XXXX XXXX. My current employer is XXXX XXXX, XXXX XXXX XXXX. I am a victim of ID theft, I was going over my credit report and discover that someone has been using my personal id to open up accounts for credit and business. The following addresses are not mine please delete remove them from my file : 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, XXXXI XXXX
Consumer complaint received 2019-07-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Thunderbird Collection Specialists, Inc. (AZ)

After submitting a complaint with the CFPB about a debt that is on my credit report that does not belong to me. I was contacted by a XXXX XXXX at Thunderbird Collections and he was extremely rude and abusive. 

They claim that because a debt is owed by my spouse they can put it on my credit report which I have never signed anything with them or at the time of service and after requesting validation the only thing they send me is things in his name. 

I understand that Arizona is a joint property state, but if all of my debts were my spouses and vice versa then everything on both of our reports positive or negative would be on each others reports. The Fair Credit Reporting Act is federal and it states they must provide proof of from the furnished that this debt is mine and it is not.
Consumer complaint received 2019-07-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (MN)

I got charged a {$30.00} fax/email fee in order to get a loan pay off statement. I didn't have a choice but to agree to this fee. I don't understand why I am paying off this loan they get to charge me the consumer a {$30.00} fee just for them to hit print and print off a pay off statement. This is criminal - I never had a choice to agree to this fee or not. If I wanted to pay off my loan I had to agree to it in order to know how much I had to wire them to send it in. 

Flagstar Bank , FSB XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2018-02-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage 1 has yet tp provide my right thumb print as to California statue code as also anything dealing with real estate in the state of California Statue section code 8206 ( A ) ( 2 ) ( D ) & 1185 ( C ) ( 1 ) ( A ) - ( E ) appeared in person this are the California section code at the time I sign and in 2009 and current today
Consumer complaint received 2019-07-12
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: HYUNDAI CAPITAL AMERICA (TX)

I leased a Hyundai XXXX  from XXXX XXXX XXXX in XXXX XXXX, CA in XX/XX/XXXX for a 36-mo. term. XX/XX/XXXX I decided to lease a new vehicle from XXXX XXXX XXXX in XXXX, TX. At that time XXXX XXXX contacted Hyundai to obtain the payoff amount to pay off the remainder of the lease term. XXXX XXXX mailed on XX/XX/XXXX a check in the amount of {$6000.00} per Hyundai Motor Finance 's ( HMF ) instructions and the check was cashed the following day XX/XX/XXXX. Within days of leasing a new car from XXXX XXXX, the XXXX  was shipped from XXXX XXXX to the GM at XXXX XXXX XXXX. The GM at XXXX XXXX made the shipping arrangements. 

I never had any contact with HMF after I returned the car and XXXX XXXX paid off the remainder of the lease. 

On XX/XX/XXXX I applied for a mortgage loan and found that late pays in XX/XX/XXXX and XX/XX/XXXX and a charge-off was reported on my credit in XX/XX/XXXX and XX/XX/XXXX. I immediately contacted HMF to find out why. They told me the car was returned XX/XX/XXXX and they did not receive a payoff payment XX/XX/XXXX. This was alarming to me because I had not been in possession of the XXXX  since XX/XX/XXXX and I have a copy of the {$6000.00} payoff check that was cashed by HMF. I then requested a full payment history that details the source of who the payments were coming from and a vehicle return receipt and photo ID showing who returned the vehicle. HMF kept passing me around and refused to provide the documentation I requested. I finally spoke to XXXX in the Recovery dept of HMF and he sent me a simple payment history ( without details of where the payment source came from ) and it shows that HMF did not record that they received the {$6000.00} and that someone had been making payments on the XXXX up until XX/XX/XXXX. He told me that HMF spoke to me on XX/XX/XXXX about damages on XXXX. That conversation did not take place with me because I had not talked to HMF since XX/XX/XXXX. 

It is apparent to me that a Hyundai employee must have taken the XXXX  after it was shipped to California in XX/XX/XXXX, drove it and made payments on it without my knowledge or consent, stole my identity, and returned it on XX/XX/XXXX. HMF either failed to report the payoff check or an employee intercepted the check and fraudulently cashed it. I found out that the GM at XXXX XXXX, who I leased the XXXX  from and who I shipped the XXXX  back to in XX/XX/XXXX had been fired and is no longer working for Hyundai. Hyundai refuses to provide me any information proving who returned and made payments on the XXXX. I believe Hyundai is passing me around and refusing to provide pertinent information about my account in an effort to avoid proving their liability in this apparent fraudulent activity.