davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

If wells fargo does n't handle any domestic dispute. Then why did they get involved when XXXX XXXX falsely accused me of harassing her. I have never harassed XXXX XXXX, and how was I harassing her when I was told by wells fargo to come in a local wells fargo brance to get my new account open. It was all a set up by wells fargo to falsely accuse me of harassing her. I did not know at the time that she was in the bank. I was only taking care of my own banking business. XXXX XXXX is using her position to do unethical and felon criminal things toward me. Wells fargo refuses to explain how i am continuing to harass her. I was only in the bank to handle my own banking business and XXXX XXXX had no right to interfere in my business. Wells fargo has the definition of harassment all wrong. I have never harassed XXXX XXXX she has always harassed me and I take it as an insult for wells fargo to believe her side of the story over mine. If they do n't handle domestic disputes then why did they get involved to close my account, due to my " Continued harassment of their " PRECIOUS '' district manager XXXX XXXX. This was a injustice done to me and is completely unfair how they have allowed XXXX and XXXX XXXX to harass me and slandered my name which caused me to lose my checking account. I only had my new one open for a few weeks and it is an " OUTRAGE '', that they let this happen to me. Banks are suppose to take privacy issues very serious, but they let XXXX and XXXX XXXX violate me and my sons personal and financial information to be compromised. The first story wells fargo told me that my account was " COMPROMISED '' which is why they closed it, and they told me i had to come in a local wells fargo branch to open a new one. Its a plain insult after running me back and forth trying to get my new account open, for XXXX XXXX to say that I harassed her and close it. There is " SECURITY FOOTAGE '' to show that I was only handling my own banking business. There is something very wrong here if wells fargo refused to look at the security footage but took her side and refused to listen to my side of the story. XXXX XXXX has " DEFAMED '' my character all around wells fargo and getting her co-workers involved in the unlawful and felon harassment against me. The reason why wells fargo is protecting XXXX and XXXX XXXX is because they big bosses at wells fargo are felon criminals to. It was n't " FAIR '' that wells fargo closed my account and told me I could n't enter into a wells fargo, even if i had any type of loan. I was to conduct any type of business over the phone, this was a direct violation of my " CIVIL RIGHTS ''. And how they still allow XXXX XXXX to do unethical and felon things against me.
Consumer complaint received 2020-07-10
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. (GA)

I have been in XXXX  and I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2017-09-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Arnold Scott Harris, P.C. (IL)

Pursuant 1692 ( a ) ( b ) the City of XXXX engaged in abusive, deceptive and unfair debt collection practices by booting, impounding and holding consumers vehicles, which contributes to a high number of bankruptcies, material instabilities, job loses, and invasion of ones privacy. Existing laws are inadequate and offers no true remedy, or relief, which forced me to file bankruptcy to get my car back. 
Violations have been detemined after thorough examination of the communication 1692a ( 2 ), FDCPA, conveyed through the mails and received at the consumers ' sanctuary. Employees agents, and or assigns from ARNOLD SCOTT HARRIS, P.C., XXXX XXXX XXXX - XXXX XXXX who operated in the capacity of a debt collector pursuant 1692a ( 6 ), FDPA, because o ARNOLD SCOTT HARRIS, P.C., XXXX XXXX XXXX did violate numerous provisions of the Fair Debt Collection Practices Act ( " FDCPA '' ), Public Law 111-203, title X, 124 Stat.
2092 ( 2010 }.
Consumer complaint received 2019-11-11
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. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2019-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

My credit report showed a derogatory remark based on an unpaid amount that I was sent by a collection agency. The collection agency, COMMONWEALTH FINANCIAL SERVICE, reported an unpaid amount of {$870.00} from a medical facility in XXXX, FL : " XXXX XXXX XXXX. '' I have never been to XXXX, FL, nor have I visited " XXXX XXXX XXXX. This is the 2nd time COMMONWEALTH FINANCIAL SERVICES has reported this to the credit agencies ( the first time it was successfully disputed ). I do not know what/who the company is, and have been unsuccessful in contacting either COMMONWEALTH or " XXXX XXXX XXXX. '' I believe both to be fraudulent companies based off information I found online describing similar false reports and attempts to settle with people just to have it removed off of their credit reports even if it is not bona fide debt.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2022, I received a " Chase Fraud '' text message alerting me that the bank had declined a {$2000.00} charge and they asked if I had made the purchase. If I responded " no, '' the text explained, they would close the current card and send me a new one. I called Chase and let them know I had not made the purchase at *A-American, along with additional charged in the amounts of {$10.00}, {$400.00}, {$2400.00} and {$8900.00}. The rep assured me not to worry ; they were " closing '' that card number, issuing us new ones and investigating the matter. Then, on XX/XX/2022 the next communication I received from Chase was a letter informing me that I was being held responsible for the $! 0 and {$2400.00} charges as I had " received benefit from the transaction. '' When I called the next day, I was told that their " investigation '' determined that we had made a purchase, as they had an invoice with " matching information. '' This information was my husband 's name, my email address, my cell phone number and our home address. 
I asked for the contact information for the business in question and was provided with an address and a phone number. The address turned out to belong to our local electric utility, not a private business, and when I called the phone number it only gave a recording with instructions about how to report an outage. 
Follow up phone calls to Chase provided different information. I was given a new address and phone number, both belonging to the real XXXX XXXX, which is a company not in our area. When I called them and spoke with their billing department, I was told they had no record of my husband, me or any of our contact information. They also did not have any record of any transactions for the amounts Chase was quoting. 
I filed a police report with the XXXX XXXX Police Department and the detective who was assigned the case had already called the company before I had ; he got the same response as me. 
I have filed an appeal with Chase and requested copies of the " invoice '' upon which they are basing their investigation ; they will not, however, tell me how they acquired this invoice as both of the phone numbers and addresses are not valid. 
Today, I received a follow up letter from Chase informing me that their " latest review conforms the previous finding that the transaction is valid. '' " The transaction will remain as part of your account balance. You're responsible for paying the amounts on your account. '' We did not receive ANYTHING from the fraudster who is using various addresses and phone numbers as fronts for theft. Someone is stealing {$2500.00} from me and Chase is complicit in this.
Consumer complaint received 2019-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my second time attempting to have TransUnion remove the remaining fraudulent student loans and inquiries from my consumer report. Pls remove what is outlined in my FTC reports.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : US DEPT ED Account Number XXXX XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX has violated my rights XXXX Or list of inquiries 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.
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION (AL)

This past Summer I sent a secure electronic message to Navy Federal Credit Union through my online account requesting that the {$2800.00} balance transfer that I had initiated on XX/XX/XXXX from my XXXX XXXX Credit card be reversed, since I was disputing a substantial portion of that balance in the amount of {$1300.00} ( see CFPB Case # XXXX ). I was informed that this was not possible and that I should dispute any charges with the original card issuer. With the 0 % APR promotion that was used in connection with the transfer due to expire on XX/XX/XXXX and not having received the third stimulus check for {$1400.00} despite the fact that I receive direct deposit as a XXXX Beneficiary, I phoned XXXX today to confirm that there was no way to transfer the balance on my NavyFCU back to XXXX, only to be informed that because the transfer had been made more than a year prior, this was no longer an option ( this same NavyFCU Representative that I initially spoke to indicated that he had just received his stimulus check in the mail today, suggesting that mine may never arrive at all ).
Consumer complaint received 2020-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

I received an email from Navient on XX/XX/2020 saying that there is a payment due on my student loans which there shouldn't have been because I am on an income based repayment plan which is {$0.00} due to my income. I called them and spoke with a customer service representative and asked her why it was showing charges when I am on that plan. She said that those fees are being added now for interest from a few years ago. I don't know how that is possible when I was already been charged interest then and it was applied to my loan balance already. I believe that since XX/XX/2020 until XXXX there are not supposed to be any interest charged due to what was signed into office over covid-19.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

My name is XXXX XXXX XXXX XXXX Social Security XXXX is XXXX My date of birth is XX/XX/XXXX My son 's name is XXXX XXXX XXXX My son 's Social Security Number is unknown to me My son 's date of birth is XX/XX/XXXX BOTH my son and myself are being incorrectly reported for XXXX  in delinquent debt after the lender Discover Student Loans settled the account and agreed it was paid in full with a lump sum payment of XXXX XXXX 
Our Discover Student Loan account numbers and balances in question, are as follows : XXXX XXXX Account number ending in XXXX, Attorney file ID XXXX, full account balance {$29000.00}, XXXX  % agreed lump sum settlement amount {$20000.00} XXXX XXXX Account number ending in XXXX, Attorney file ID XXXX, full account balance {$13000.00}, XXXX XXXX agreed lump sum settlement amount {$9200.00} XXXX XXXX  Account number ending in XXXX, Attorney file ID XXXX, full account balance {$5300.00}, XXXX XXXX agreed lump sum settlement amount {$3700.00} Settlement offer letters and acknowledgement of settlement received from Discover 's Attorney are attachments. 
Description of problem : I am a signatory on student loans for my son. There are XXXX loans. I paid off the balance of all three loans using a negotiated lump sum payment. Discover Student Loans agreed to accept a XXXX XXXX lump sum payment as satisfaction in full of the debt. This agreement was made through the attorney Discover Student Loans asked us to deal with, rather than direct with Discover Student Loans. The attorney that agreed to the lump sum settlement payment is XXXX XXXX XXXX, XXXX. The address of the office servicing this account for XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX MA XXXX. The telephone number for that office is XXXX. XXXX agreed to remove negative credit reports and report the XXXX accounts as paid in full. The settlement payment by me was in the form of XXXX bank checks from XXXX XXXX  made to XXXX and XXXX, with the account numbers written on the checks. The checks were mailed in XX/XX/XXXX, and the official settlement date is XX/XX/XXXX when XXXX received and deposited the XXXX checks. On XX/XX/XXXX Discover reported my account as a XXXX balance, delinquent, and a chargeoff, in violation of their agreement with me. We discovered the error in XXXX and contacted both Discover and the Attorney on XX/XX/XXXX. Discover subsequently removed the negative report and simply reported the account as closed and settled, with a XXXX outstanding balance. That correction was confirmed on my next credit report I checked on XX/XX/XXXX. Discover again reported me delinquent, the account as not settled and a chargeoff, which I discovered on XX/XX/XXXX. Once again this violates the agreement Discover made to consider my debt satisfied in full.
Consumer complaint received 2023-01-11
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERIS BANCORP (GA)

I originally had a mortgage through XXXX XXXX which was never paid late. Then on XX/XX/2018 I was XXXX which I was in XXXX in the hospital for over a month. This caused me to have a hardship and have to put my payment on forbearance/dererment. The loan was transferred to Ameris Bank and then to XXXX XXXX XXXX XXXX rejected our application to be on deferment. And instead of adding all the late payments to the end of the loan they marked late payments all across all three mortgage companies. By the time it was transferred it left negative late payment remarks on my XXXX, XXXX and XXXX credit reports as late payments past 120 days. Ameris bank apologized and removed the late payments. But XXXX and XXXX have not. We have hired credit repair companies for the last two years. We have messaged and called each credit bureau and mortgage company to try and get these removed but have had no luck. We are ready to move past this incident and be able to buy or build our dream home but can't with this on my credit report.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IL)

I reported my card stolen to the local police on XX/XX/XXXX  XXXX on XX/XX/XXXX  I reported lost to the bank. Some how they allowed a transaction on that same card to go though on XX/XX/. I have called the bank and resolved this situation and they are saying I had the physically made a purchase in store. because the purchase was made inside of the store with the card that I reported lost and stolen by the police. They also allow the company to over charge my account after I sent documents over provide what I owe to company
Consumer complaint received 2023-01-11
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. (IN)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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
Consumer complaint received 2021-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/XXXX, I deposited a physical paycheck from my employer due to my employer stating they had issues with transition to a new bank & it was going to unexpectedly cause an issue with direct deposits for this check. I was given my check by my employer and deposited it into my checking account ; there is a history of a direct deposit from this same employer with no issue previously. I received an email that Huntington Bank was holding my funds due to no history of dealing with this employer, even though in my bank records there is a history of a deposit from current employer two weeks earlier. I showed proof of this and Huntington refused to listen and stated that this was not enough proof, even though they acknowledged that it was the same employer, I have no history of fraud on my accounts and the money from my direct deposit from my current employer cleared without an issue. When I asked for them to at least release {$200.00} of my check, they continued to refuse and stated the hold on my check wouldn't be released until a week later, despite their acknowledging that there was a previous deposit from current employer.
Consumer complaint received 2023-01-11
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed the items with the bureaus on XX/XX/2022 but the bureaus did not remove them, nor prove validation. 
Under Sec. 602 FCRA " I have a right to privacy '' XXXXXX/XX/XXXX Account # XXXX XX/XX/XXXX Account # XXXX
Consumer complaint received 2023-01-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE (CA)

I have a savings account with Barclays Bank. I am trying to add my external account to do accommodate an external account transfer. The bank has a hold on my account as they state they can not verify the external bank account. They have requested I send my statement, which I have done, but now they are stating they can not access the state which was sent. I have sent it XXXX times, without success. They will not provide my withdraw without this information. 



It has been more then XXXX days since the commencement of this process
Consumer complaint received 2021-09-19
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: Experian Information Solutions Inc. (WA)

This account is showing on my 3 credit reports agencies Experian, XXXX and XXXX, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested XXXX to please provide proof of me giving then my signature for this Unsecured Loan. My request is for XXXX to delete this account one and for all from my credit report. XXXX # XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2021 Responsibility : Individual Account Loan Type : Unsecured Loan Revolving Account Balance : {$40000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$750.00}