davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2022 Wells Fargo employees opened a XXXX account without my consent or any Security verification steps to verify that I was joining this program. XXXX. employees registered 1 fake account user XX/XX/XXXX at XXXX and at XXXX issued a {$1000.00} transfer of my cash funds to this bogus name. I was contacted immediately by XXXX. security and asked if I intitiated this action. I reported this as fraud immediately, and asked for account to be closed/locked. They continued to register 3 more bogus names XX/XX/XXXX and pre-approved them also. I begged for them to stop ALL TRANSACTIONS ASAP and withdrew the rest of my available cash still left to continue with my medical treatment copays. I couldn't go to my appointment. Too short of cash. W.f employees remain Unhelpful/Condescending and refuse to investigate and assist me. IT'S been over 30 days on a 10 day investigation. They state they can open clients new accounts without their knowledge. Refusing to put in place any Standard Security Measures taken by XXXX XXXX  ... NO texted 6 digit security code to alert a Client of a NEW ACCOUNT with immediate approved withdrawal.. NO EMAIL CONFIRMATION of 16 pictures ( I am not a Robot ) NOR do they attempt to have a client answer SECURITY QUESTIONS to confirm identity of the REAL OWNER of the checking account. The XXXX XXXX Employees remain defiant. Rude. Unhelpful. Laughing at my problem. Please HELP other innocent victims of XXXX XXXX  OPENING accounts and stealing moneys. At least ( 2 ) of their own customer service employees state.. IT HAD TO BE AN INSIDE JOB FROM A XXXX EMPLOYEE. I NEED ABOUT {$3100.00} IN EXTRA RESTITUTION AS I HAVE HAD MANY COMPLICATIONS MISSING the XX/XX/XXXX XXXX appointment.
Consumer complaint received 2021-04-28
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: ENCORE CAPITAL GROUP INC. (VA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I sent letters to XXXX, Equifax and XXXX regarding a account by the name of XXXX XXXX  Account Number XXXX this account was opened in XXXX and XXXX XXXX XXXX was opened in XX/XX/XXXX with Account Number XXXX. These 2 accounts are over 7 years old and I need them to remove them from my credit report. The bureaus have not answered my letter and they had over 30 days to answer or they had to delete the accounts.
Consumer complaint received 2022-02-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I filed a dispute for the inaccuracy of this account and submitted it to Experian, XXXX, XXXX, and the company itself, but no one has responded. On XX/XX/XXXX, I filed a Validation of Debt to Experian but still no response coming from them and refused to remove the inaccuracy from my credit report. The account was last updated in the sum of {$3000.00} on XX/XX/XXXX, which is incorrect.
Consumer complaint received 2016-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (CA)

Arizona XXXX University has sent this debt that they claim I owe for tuition to this agency. I did not complete semester and I had told them to drop me from the online classes before the XXXX XXXX 2012 withdrawal date, which they did not do and has charged me for the whole semester.
Consumer complaint received 2015-12-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (PA)

I work at XXXX, and have HSA savings and investment accounts. Recently when I was looking at my statements I was surprised to find $ XXXX fee for HSA investment account. On top of this the bank ( BNY Mellon ) also charges $ XXXX fee for HSA savings account. This HSA savings account fee ( $ XXXX fee ) is paid by my employer XXXX. This are very high monthly fees for relatively low balance account.
Consumer complaint received 2021-06-05
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I XXXX XXXX XXXX am a consumer of the United States. CAPITAL ONE ( partial account # XXXX and partial account # XXXX ) is willfully and knowingly harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it impossible for me to purchase a home for me and my children. Attached to this complaint labeled as exhibit A is proof of two violations of CAPITAL ONE harming my consumer report along with late payments on the dates of XX/XX/2017 and XX/XX/2017. I have repeatedly requested these late payments to be reported positive on all my consumer reports but CAPITAL ONE insists on violating my federally protected consumer rights under title 15 chapter 41.
Consumer complaint received 2021-06-05
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: Kentucky Higher Education Assistance Authority (NJ)

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XX/XX/2019 This is not mine.
Consumer complaint received 2017-03-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

I financed an auto loan with UAC/CARHOP I filed a complaint with the BBB for inaccurate information being reported to the Credit bureaus. I was contacted by corporate saying it would report in 30-60 days. I was informed that upon the completion of the investigation due to filing XXXX disputes each time the information would reflect the update immediately. Each time the investigation showed no change. I paid the vehicle off XX/XX/XXXX. UAC is reporting that the account was closed as of XX/XX/XXXX and the last payment was made in XX/XX/XXXX. It is against the law to report inaccurate information. Payment history as well as paying a vehicle off affects you credit life tremendously, I reaffirmed this high interest loan in order to better my credit, and the inaccurate information affects my credit life a great deal. I have filed yet another dispute, and I have n't been provided with the correspondence between UAC/CARHOP. Only letters from the credit bureaus saying no change has been made following the disputes
Consumer complaint received 2015-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Convergent Resources, Inc. (PA)

I had an account with XXXX several years back that had been closed and now I get a open report back on my credit that states that 's on have an open account with them again that 's in collections this item was previously deleted off of my report I need help with this matter I 'm trying so hard to rebuild my credit to purchase a house this just made my score drop drasticly. I 'm trying to stay on the right path and do the right thing then this happens why are they reporting something that was charged off and closed once already. Please contact me at either XXXXXXXXXXXX or via phone at XXXX XXXX XXXX thank you for your prompt attention to this matter hope to hear from someone soon.
Consumer complaint received 2023-04-14
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. (CA)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

My account was locked out w/o warning for some large transaction I made for a down payment on a car one whole month later raised as suspicious. Ive sent over all my transactions and proof of car Im currently on a road trip in my car and I have no way to access my funds Ive had over 70 phones calls with agents and supervisors and they keep telling me we will email your shortly its now been 48 hours and Im stranded with no gas or no food at a truck stop, they dont care whatsoever.
Consumer complaint received 2021-06-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (VA)

So I have this Caine & Weiner collection for XXXX  it reported XX/XX/2021. I know for a fact its not mine. Its hurting my credit as well.
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

We have flood insurance for our home in Florida and we have since we built it in XXXX. Please see the attached XXXX XXXX XXXX page. Even after being sent proof of this 5 times, Wells Fargo ( WF ) has been stealing money from our checking account to pay for a " forced flood policy ''. We were told on XXXX XXXX by a WF banker the issue would be resolved in XXXX10 business days. Did not happen and they have continued to steal money from us. Please note -- WF did the same thing to us 2 years ago, which we will address later once we clear this current incident up. More detail : We began getting letters from WF last year that we do not have flood insurance and need to get a policy. Each time we got a letter, we acted on it, first by notifying WF and sending them proof of insurance, then later we began taking the letters to our XXXX agent and having him verify the policy to WF. See the attached copy of the last letter from the agent. In XXXX we noted that WF debited our checking account for more than the mortgage payment and were told by XXXX XXXX, a local WF banker, that they took extra money to pay for a forced flood policy. After a conference call to our XXXX agent, he told us this would be resolved in XXXX10 business days. About a month later on XXXX XXXX, we called him and left a message that nothing was resolved and that he should check to make sure WF was not going to steal more money from us in XXXX. As you can see from the attached letter from XXXX, WF stole from us again in XXXX. XXXX also told us that WF was unable to reimburse us for the money they stole until they got the funds back from the insurance company, which we informed was ridiculous -- they need to give us back the money they stole immediately.
Consumer complaint received 2016-10-13
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CT)

I am seeking for the reimbursement of a check that I deposited on XXXX/XXXX/2016, at XXXX, into a WELLS FARGO ATM machine located on XXXX XXXX, XXXX CT, which the account became closed. 
I have been calling and going into the actual branch since XXXX/XXXX/2016, trying top retrieve that check and it has been unsuccessful. I am now claiming {$360.00} from WELLS FARGO that is overdue.
Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA Federal Savings Bank put a freeze on my checking account without any notification. I discovered this Friday XX/XX/XXXX when I was trying to use an ATM before an salon appointment where I needed the cash. 

They disable their mobile app on my phone. The rerouted my calls to them to an automated message telling me to call back on Monday. I called them with my boyfriend 's phone and low and behold I got to take to a human who was incredibly rude and would not tell me what was going on. 

I've had to cancel all plans that required cash, so no farmers market this weekend. I have a rent check out that hasn't been cashed yet that I'm worried will bounce. 

There is absolutely no unusual transactions in my account. Just the same deposits and checks that I have done monthly for years now. It takes two paycheck cycles to change my direct deposit. 

This is abusive and distressing and a huge waste of my time. What can I do?
Consumer complaint received 2016-09-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (NJ)

On my car loan, my principal payment did not all go to my balance of the car. It is a fixed payment amount. I just received a letter that shows principal and interest, but the amount of earlier payments did not reflect the actual reduction in balance. I want wells fargo to credit my payment balance to the account.
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (CA)

I paid off my Chase Freedom credit card in full AND I still got charged interest! They said it was because I needed to pay off my credit card in full two months in a row, to not accrue interest. That 's the first time I 've ever been told that!!!
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

This is involving my Federal income tax check that was Deposited on XX/XX/2023 With Chime who I bank with I have 3 accounts Credit card Builder, Checking, savings account and what I remember on XX/XX/2023 I transfer {$1900.00} to my checking account and also I transfer {$440.00} from my savings account and combine everything in to my checking account when I noticed suspicious activity 1st thing I did was go into my settings and Cut my card off then later on I noticed that Unauthorized was still taking place so I called chime member they say they started the investigation then they tell me they see no errors. Now I need some understanding.
Consumer complaint received 2022-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CO)

On XX/XX/2022, I called to request a refund of the payment I made on my student loan during the COVID 19 pause. I was told that I was entitled to a refund due to a provision in the CARES Act. The person I spoke with on the phone said that he would put in my refund request for processing that day and that he did not foresee any issues. I've contacted Aidvantage regarding the status on multiple occassions and have been completely ignored. My account has not been updated, which implies that no action has been taken in the past two weeks.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (FL)

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. 

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 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 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 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 XXXXXX/XX/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 take any consumer report containing any of the following items of information, any other adverse information, other than records of convictions of crimes which antedates the report more than 7 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 2016-09-27
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Apex Resolution Group LLC (TX)

This company calls my family members and threatens a lawsuit. They have threatened to call the IRS. They have threatened to have my bank accounts closed. They continue to call my parents and my siblings and provide personal information. 

Continually calling my mobile phone without permission.
Consumer complaint received 2024-05-16
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. (GA)

Dear Sir/Madam, I am writing to report a violation

committed by LVNV Funding , LLC, regarding the handling of an account placed on my consumer report. LVNV Funding, LLC has failed to provide validation information for the collection account in question, as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite multiple requests for validation, they have not provided any documentation regarding the validity of this debt. Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account directly contradicts federal regulations and my consumer rights. Additionally, LVNV Funding, LLC has engaged in deceptive practices by furnishing this account to consumer reporting agencies without providing the necessary disclosures required by law. This action violates 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). I urge LVNV Funding, LLC to rectify these violations immediately and provide the required validation information for the disputed account. Failure to do so will result in further action being taken to ensure compliance with federal regulations and to protect consumer rights. Thank you for your attention to this matter.
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MS)

Paid off my XXXX loans onXX/XX/24. 
Checked back today. Loan # 1 is paid. They applied {$600.00} as an overpayment on loan # 2 and left a balance of {$600.00} on loan # 3 and are charging me interest still. I called and of course the only people you can get ahold of there spend 10 minutes verifying your contact information but can't do anything. They are charging me interest on a paid off balance
Consumer complaint received 2021-06-05
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)

Ive tried to call them about the inquiries as well as the XXXX debt that i paid and submitted proof of and other debts that dont belong to me they have not respond its been over 3 months of constant calls and notices sent to them
Consumer complaint received 2020-11-27
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately on my credit report.