davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

I tried to set up an estate banking account at Wells Fargo bank. I was told by the Store Manager - XXXX XXXX - that I can not have that type of bank account, I need to set up a checking account linked to a savings account. I objected but she would not budge. Also, the Short Certificate ( I am the Executor ), had my married name, but the Will had my maiden name. Wells Fargo legal accepted the documents, but the Store Manager demanded that I bring in a copy of my marriage certificate or else she would close the account. I opened the account with XXXX checks - XXXX of which was a certified bank check from XXXX. She told me that it would take 8 days for the checks to clear. In addition, she looked into other unrelated accounts I had with Wells Fargo and suggested that I do something else with those accounts. I objected to her inspection, yet she continued on about that account and kept asking me to look at other banking arrangements for that account. I explained very clearly to her that I was there to set up a checking account only for the estate of my mother, but she did not listen. She took my checks and told me that the funds would be available 8 days later ; however I needed to provide to her a copy of my marriage cetificate ( she wanted it, not legal ) or else she would close the account. I waited five days and decided to close the account out today, but she refused to close the account and began to instruct me on how I should be doing my banking. I am very insulted by her lack of people skills ... her inspection into unrelated accounts ... her insulting my intelligence, especially at this most difficult time. Plus, when I went to close the account, she threatened to call law enforcement because I was becoming upset at her insulting nature. I am concerned that the money for the estate is being held up due to this person 's views on banking and the possibility that my concerns were dismissed because of my ethnicity.
Consumer complaint received 2015-11-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Walwick, Inc (CA)

Governed by 15 U.S.C. 1692g ( a ) 15 U.S.C. 1692g ( a ) sets forth the required contents of a typical collection, or dunning, letter : ( a ) Notice of debt ; contents ( 1 ) The amount of the debt ; XXXX indicates this is multiple accounts and list only XXXX. 
( 2 ) The name of the creditor to whom the debt is owed ; NOT PROVIDED ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; NOT PROVIDED ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NOT PROVIDEDAnd leads me to believe it also violates the following - 15 U.S.C. 1692e : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' 15 U.S.C. 1692e ( 2 ) ( A ) : A debt collector may not falsely represent " the character, amount, or legal status of any debt '' 15 U.S.C. 1692e ( 10 ) : A debt collector may not use " any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' 15 U.S.C. 1692f specifically provides that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, without limitation, collecting " any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

When trying to submit a dispute with Equifax, it asks me questions to confirm my identity, and the questions are n't about me.  Main one that raised a flag was " Our records show you have a Student Loan, what credit union is tha t through? ", and I 've never had a Student Loan, there 's a couple other questions that I 've been asked that I ca n't recall at the moment. This is resulting in my Equifax not changing, and being stuck at a low credit score.
Consumer complaint received 2017-05-25
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. (SC)

I purchased a car back in  XXXX  and it was financed through  XXXX   XXXX   XXXX . The car was a piece of junk and the interest was more than what the dealership disclosed to me. I voluntarily forfeited the car in  XXXX  and paid more than what the car was listed for on the blue book. My credit report with   XXXX   and TransUnion are showing duplicated charge offs for this same account that I voluntarily surrendered the car to. I was told that it would not happen. And it is my understanding that when you voluntarily surrender a car and they came and picked it up that they can not show the balance on my credit reports. The balance appears on all of my credit reports and it appears at least  XXXX  times on each. I have asked the bureas to correct this and remove this information and they have not. I would like to have this resolved it has effected so many aspects of my life and it is my right to have proper information reported on my credit reports.
Consumer complaint received 2015-11-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Progressive Financial Services, Inc. (AZ)

I received a settlement offer to pay off my debt for my XXXX XXXX credit card account from Progressive Financial Services. I received this offer on XX/XX/XXXX. I sent the settlement offer amount on XX/XX/XXXX ; documentation to support. Over the last year I have received several notifications that I still owe on this account, and several collections agencies have sent me letters ; documentation to support XXXX agencies still trying to collect this debt. I found out today, XX/XX/XXXX, that this debt is still active against my credit report and is effecting my credit score. I want this debt erased, and I want my credit score adjusted to when I actually made the settlement payment back XX/XX/XXXX.
Consumer complaint received 2022-09-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re ; Credit pull On or about XX/XX/2021 & XX/XX/2021 I made a credit inquiry into a dealership concerning a purchase of a vehicle in XXXX, PA [ the name of the auto dealer is ] XXXX XXXX XXXX. I authorized the car dealer to make a credit pull but also informed them I was already pre-approved by XXXX financial for the deal to finance the vehicle. The account while I was there ran my credit at lease 5-9 times within a span of 3-4 hours I received that day on XX/XX/2021 XXXX alerts of hard credit pulls on my credit report. I informed the company and a sales man that I used to purchase the vehicle XXXX and asked politely to remove write in consignment and alluding to the conversation I had with a representative from XXXX. Send in a letter on my behalf stating these inquiries to be deleted and also I did my part. While at the dealer we concluded and ended by using XXXX financial to finance the vehicle and I really found those credit checks to be unnecessary since I had informed the dealer of my credit score and knowing that XXXX would be the only company to approve me. I would request that these hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX To be removed of my credit report due to the unnecessary expense and irreconcilable damage its done. 


XXXX. 
( XXXX ) XXXX
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This past XX/XX/XXXX my Bank of America alerted me of a suspicious transaction. 
On XX/XX/XXXX went to bank appointment and discovered more than a yr of fraud as well as suspicious activity online banking such as password changes, ID lookups ect. Filed claims ( bank still investigating ) .On XX/XX/XXXX froze bank account and opended new one. Found out $ XXXX that they denied all my fruad claims. I then told them I discovered identity theft as well on credit report so they said if I send in proof they might reopen the case.Then I decided to check my credit reports on XX/XX/XXXX and saw many fraud claims, inquires, log ins, 4 different names, 2 unknown phn numbers, prev freeze lifted without my knowledge. I made disputes, added fraud, and frooze accounts. Tried to log on XXXX and it wouldnt let me log in. Im a victim of identity theft, as well as bank fraud for a while now without me knowing due not frequently checking credit reports or bank transactions. I need help navigating all the info and help I can get to recover my money and identity and find out whos behind this. I have XXXX  kids to feed and need funds back soon! Please help me in any way you can, Im lost and overwhelmed. Tommorow I will be going to police to file a report. Thank you for any help or information you can provide.
Consumer complaint received 2020-06-02
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: NAVY FEDERAL CREDIT UNION (CA)

NAVY FEDERAL OPENED A FRAUDULENT CREDIT CARD FOR SOMEONE WHO STOLE MY IDENTITY IN MY NAME AND PLACED IT ON MY CREDIT REPORT, AFTER SENDING DOUCUMENTATION TO THE CREDIT BUREAUS, THE CREDIT CARD WAS REMOVED, BUT NOW NAVY FEDERAL CREDIT UNION, HAS RE INSERTED THE CREDIT CARD ONTO MY CREDIT REPORT AND WILL NOT REMOVE IT.
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

This is a complaint about Discover 's payment policy. Discover allowed a thief to make false payments that then bounced in order to exceed credit limit when I was not aware card had been stolen. Discover 's inefficiencies do not allow for payments to be held until the amount has cleared the bank. Multiple payments were made in a very short period and Discover did nothing to stop the thief. Discover controls the payment policies, not the consumer and should not be liable. Discover responded that my concerns were forwarded to leadership in the appropriate area. That doesn't benefit me after Discover 's payment policy created the damage. And then I was asked to " please contact Customer Assistance and Recovery department at XXXX XXXX XXXX XXXX to discuss repayment arrangements. '' I am sure that is to pay in full due to Discover 's inefficient payment policies in the year 2020.
Consumer complaint received 2016-11-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Continental Finance Company, LLC (FL)

This is in reference to a delinquent credit card account, Verve Card. The debt collector, XXXX XXXX ( the name they gave me ) have called me numerous times threatening me that they will suspend my drivers licenses and vehicle registration, they will put a lien on my property, will take me to court and threatened to have me arrested for fraud ( which it is not fraud ). They call from several different numbers and even call from local numbers. In every call they repeat the same threats. I told them to email the information to review it and not once have I received the email. Nor did I receive any documents in reference to the account. I have taken the steps and contacted Florida Dept of Motor Vehicles and they confirmed that debt collectors could not suspend licenses/registrations. I am fed up with being harassed by this company and their employees.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CO)

XX/XX/2021 I clicked a phishing link saying my Coinbase account was compromised. I reset my password on the internet browser link and then logged in on the app where I saw different tokens being converted into Bitcoin. I called Coinbase to freeze my account and did it virtually as there are no live people. I got an email saying my funds were frozen. Then I got an email saying all of my funds were transferred out into a different wallet. I did not do any two factor authentication as I am supposed to. I did not authorize any funds transferring out. I also did not authorize any computer besides my phone to complete any transaction ever. Someone took around XXXX from me, which Coinbase shouldnt have allowed within seconds of a password being changed. They also could have reversed or stopped this as I was on the phone within seconds of changing my password. I have contacted them repeatedly but it has been over two weeks now without any personalized response or acknowledgement. They said they transferred my case to a specialist and are not responding to any more emails.
Consumer complaint received 2023-04-15
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: CITIBANK, N.A. (WA)

I applied for an " accelerate savings '' account with Citibank back in XXXX of XXXX ( because it had a good interest rate for my savings ). I never asked for a debt card, and was never told I would receive one. One day I try logging into the mobile app to pay off my credit card, and before I could login it asked me for a debt card number. This is when I found out they were going to ship me a card, but hadn't received it yet. I called them, and they said it's probably in the mail still. I waited a week or two, and on XX/XX/2022, I got an EMAIL asking if I made {$5100.00} in transactions ( 13 total ). I was furious, because I never got a single call. The first transaction on this XXXX card was on XX/XX/XXXX. I disputed it, a week later it was denied. I contacted the XXXX XXXX Sheriff 's department, and got in contact with deputy XXXX XXXX, and got a case ID number XXXX. He started working on trying to get camera footage at the XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX they visited, because all the other places delete the footage in a XXXX short time. I disputed time after time, eventually I tried to get Citibank to contact my deputy, they said to have XXXX call them. XXXX called them numerous times, and those XXXX people said " no one but the card holder can contact us about the account ''. Citibank asked for numerous documents from me, and I sent them everything including a scan of my driver 's license. Eventually I went to speak to the XXXX XXXX XXXX XXXX XXXX manager for myself, and they said they couldn't give me the footage without a subpoena. I asked them if they could save the footage and just not give it to me, but apparently they wouldn't do that either. A while later ( maybe a month or two ) I find out the casino doesn't hold onto the footage for as long as the deputy was told ( 6 months ), but rather they hold onto it for 3 months. Currently I am on the XXXX or XXXX dispute with them ( I WON'T STOP ), and they deny every single time, saying I had the card in my possession, when I freaking didn't. I was promised I would get the full amount back and the case has been resolved, and I would get a check in the mail in 1-3 weeks. It's been over a month and a half now, and now they're saying I won't get it back. I am currently XXXX, I'm not even allowed in a casino! This bank has to be held accountable! I deserve compensation not just for the money I worked hard for, but for the time of mine they wasted! I've called them probably 100+ times since last XXXX. I WANT MY MONEY BACK
Consumer complaint received 2023-04-16
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. (NC)

Consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected MY RIGHTS.
Consumer complaint received 2022-09-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re ; Credit pull On or about XX/XX/2021 & XX/XX/2021 I made a credit inquiry into a dealership concerning a purchase of a vehicle in XXXX, PA [ the name of the auto dealer is ] XXXX XXXX XXXX. I authorized the car dealer to make a credit pull but also informed them I was already pre-approved by XXXX financial for the deal to finance the vehicle. The account while I was there ran my credit at lease 5-9 times within a span of 3-4 hours I received that day on XX/XX/2021 9 alerts of hard credit pulls on my credit report. I informed the company and a sales man that I used to purchase the vehicle XXXX and asked politely to remove write in consignment and alluding to the conversation I had with a representative from XXXX. Send in a letter on my behalf stating these inquiries to be deleted and also I did my part. While at the dealer we concluded and ended by using XXXX financial to finance the vehicle and I really found those credit checks to be unnecessary since I had informed the dealer of my credit score and knowing that XXXX would be the only company to approve me. I would request that these hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Credit on road To be removed of my credit report due to the unnecessary expense and irreconcilable damage its done. 


XXXX. 
( XXXX ) XXXX
Consumer complaint received 2022-02-15
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. (GA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Army and Air Force Exchange Service (OK)

I have called multiple times to Aafes credit hotline in regards to a time sensitive matter. I had an account that was paid and closed XX/XX/XXXX, the credit reporting agency XXXX indicated that Aafes stopped reporting on this account XX/XX/XXXX to all the credit reporting agencies. XXXX has indicated to me that Aafes needed to update to today 's date or provide a letter to all XXXX reporting agencies advising them to remove it from my credit report. This issue needed to be handled expeditiously as I am a veteran trying to finalize on the financing on my home loan, without this I will be without a home. First contact was with an agent that had to advise her supervisor of the issue, I was directed to email a formal complaint in. After the emailed complaint was sent a week and a half later I received an email from their credit disputes department stating that my report was updated to please allow 30-45 days for it to show on my report. I replied back asking for a copy of the updated outcome for my mortgage company to help finalize their credit decision. I received no reply, which I called their number to speak directly with the agent who had emailed me. I was told that agent does not take consumer phone calls the Aafes supervisor told me I had to wait 30-90 days for a reply. I was told emails went into a que only XXXX be answered XXXX at a time, she nor did Aafes care about by time sensitive matter. I had to wait the allotted time until my reply email was back at top to be answered. The following day I called again in hopes to reach a more respectable, helpful supervisor. To my dismay I reached another very rude supervisor that had generic almost scripted replies, except this time I was told no one had even stated on my dispute yet. I informed the supervisor that I received an email prior to that day from an Aafes credit agent stating my report had been updated. I have continuously made contact with Aafes trying to get a copy of their credit report for my account, every time I am refused a copy and told to wait up to the 90 days for a reply. To my knowledge under the XXXX the consumer should be sent a copy of their judgment on disputes.
Consumer complaint received 2015-08-02
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NC)

I have been dealing with Midland Credit Management over a debt. We agreed upon a XXXX month term of paying XXXX a month for XXXX months. I have paid for the XXXX months and when I called to verify with them they said I had to pay for XXXX months and that I still owe them. I requested a copy of the original settlement letter by email. They said they can not send that over email, I then asked for it to be mailed to my home address, they said they are only allowed to fax the letter. I informed them that I do not have a fax machine and they told me that they will not email, or mail me the letter because it violates federal laws. I am confused and I can not find my copy of the original settlement letter. I have paid the agreed upon amount and the agreed upon months and now I am hard pressed to pay XXXX more months with no justification except this company saying I have to. I also called on XXXX of 2015. At that time I spoke with a representative who told me that I would be done with all payments in XXXX of 2015.