davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (CA)

Hello Approximately XXXX dollars XX/XX/XXXX and after i noticed and received a late fee from Wells Fargo bank. I do not remember what the amount of the late fees were but eventually added up to XXXX dollars. As my bank Wells Fargo Bank was on my path of travel to my job I decided to stop by and ask what this late fee was all about. The clerk at the teller counter explained to me that it was for a checking account that i opened. I think he said it was free for a few months but then i had to have a certain amount of money in the account or some type of direct deposit for the account to remain free from monthly fees. I remember sitting down with a female customer service i believe her name was XXXX. I told the teller that i never opened said checking account, that i did apply for a credit card with ( XXXX ). But that i had not requested to open a checking account. The teller said " umm uh well XXXX would not do something like that '' When i asked for XXXX the teller explained to me that XXXX was no longer with the company. I believed as time went by i paid the amount of XXXX dollars in late fees and called Wells Fargo customer care to ask for the account to be closed or I either stopped at the physical bank and conducted the above. Its been many years so i am recalling by memory only with a few writing notes. As years went by i started hearing more and more about XXXX. i believe it was early as XXXX I decided to look up my free annual credit report thru above web site. I was shocked and amazed to find out that Wells Fargo was reporting to all XXXX credit bureaus that i was late up to 60 days in the amount of XXXX Dollars. I immediately disputed the inaccuracy with all 3 of the credit bureaus. To my surprised Wells Fargo responded and stood clear that the reporting was accurate and up to date. Even though i believe i had paid the fees of XXXX dollars. To my relocation i can recall that Wells Fargo unfairly reported the credit bureaus up until XXXX or perhaps up til XXXX. I know the time frame does not make any sense but also you will see that on my credit report the credit card amount i was approved for was for {$6000.00} and the late payments against the credit amount was {$93.00} but you will also see that i never used any of the credit against the credit card loan against the amount of {$6000.00}. In this way my credit file shows me having a credit card with Wells Fargo in the amount of {$6000.00} and it will also show that i am late in payments up to 60 days in the amount of {$93.00}. But my credit file will also show that i never consumed any of the {$6000.00} available to me.
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (VA)

I had a XXXX credit score and for some reason commenity bank closed all of my accounts with them for no reason never late and paid all balances unfortunately doing this caused my credit score to plummet and then XXXX bank closed XXXX accounts all in good standing and paid balances this caused my credit score to plummet even more I dont understand how someone who pays all Bill 's on time and pays balances gets XXXX credit cards closed and has a credit score fall from XXXX to XXXX this is illegal I have seen more than XXXX complaints of commenity bank doing this to people who work hard to maintain high credit score it has ruined my life and I want something done
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (CA)

I opened a Kabbage checking account on or around XX/XX/21 because of a promotion they offered which promised a {$300.00} bonus after using their debit card for five purchases. I maintained this account in good standing. 

Sometime around XX/XX/21 I tried to log in to my account online and received a notice that my access had been blocked. When I emailed Kabbage to inquire, they first responded on XX/XX/21 as such : " Hi XXXX, Thank you for reaching out to us. We appreciate your time and effort in letting us know your situation. Please be advised that we closely monitor accounts for unusual activity and due to this, your account has been permanently locked. For the account 's privacy, we do not have further information. 

Please be reminded that you may no longer spend with your debit card, withdraw funds, or receive and make deposits due to the status of your account. 

Thanks, XXXX Kabbage Banking Specialist '' Later, on XX/XX/21, they sent this second message, without any prompting from me : " Hello XXXX, Thank you for reaching out to us. We will need you to give us a call in order to properly resolve your issue. 

Please contact us between XXXX XXXX XXXX XXXX XXXX XXXX Monday - Friday at XXXX at your convenience so we can resolve your inquiry. 
Thank you. 

XXXX XXXX | Kabbage Customer Service Support '' This morning, XX/XX/21, I called to check my balance and determine next steps to restore my access and was informed by the friendly agent I reached that my account was still blocked and he did not think it could be unblocked. He further suggested I have XXXX get my money from Kabbage, even though he could not tell me what my balance was.
Consumer complaint received 2021-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have reviewed my credit report and noticed quite a few unauthorized inquiries on all 3 credit bureaus, XXXX, XXXX, and Transunion. Ive noticed unauthorized inquiries on my report and someone applied for something in my name. I spoke to creditors and bureaus and they refuse to delete the unauthorized inquiries and said I had to wait 2 years for them to drop off my report. 
I am asking for all unverified inquiries EXCEPT XXXX XXXX  ( XX/XX/XXXX )XXXX XXXX XXXX  ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ) be removed from my credit history. These are the only 3 inquiries that have resulted into an account. It has severely impacted my credit report and history.
Consumer complaint received 2023-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchase a XXXX XXXX back during the Holidays XX/XX/XXXX. The TV was scheduled to arrive XXXX XXXX. During the Holidays there was a large volume of packages delivered to my apartment complex between XXXX and USPS. I came home to a package I assumed was mine. When I open the package it was the wrong product. They delivered someone else 's package to my door. Therefore, my package was missing. I returned the wrong item to the person who came to claim her package. I was on the search for mine. I called XXXX and told them the update. Nobody at XXXX seem to be helpful. Even when calling them back with updates of my package not being delievered to my door. Neighbors told me they seen a large package between 2 units. Thats all i could find out. I sent XXXX a clear email of the situation ( UPDATE ). They seem to not understand XXXX. Therefore i open a dispute with my capital one for package never received. They closed my dispute for no logical sense. I reopende the dispute today XX/XX/XXXX. My money needs to be return or i will be taking further actions against XXXX and capital one. XXXX is responsible for their deliveries. They used XXXX as the shipper since they were overwhelmed with delivering packages. The usps is the worst at delivering packages in my area already. I need my money back now.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and Transunion is putting a derogatory decrease credit scores because I have been filing Federal Government complaints with Consumer Finance Burau and ADA Department of Justice. 
XXXX, had my score at XXXX on XXXX XXXX and now it has been lowered to XXXX. 
I apply for a VA home loan with three lenders on XXXX, XXXX XXXX and my scores shouldn't have been decreased. 

Also I have XXXX balances as of XXXX XXXX on my credit cards XXXX, XXXX XXXX XXXX Credit Card # XXXX, XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX XXXX  Credit Card XXXX XXXX XXXXXXXX XXXX XXXX  XXXX balance {$200.00} My credit score with XXXX should not be decrease because of Charge Off accounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Auto XXXX XXXX 

XXXX is violations of Federal and State Laws and violations of my ADA XXXX  Act under Department of Justice. 
I am XXXX Lifetime and Retired and a XXXX XXXX XXXX Military Veteran.
Consumer complaint received 2018-03-17
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: Experian Information Solutions Inc. (AZ)

The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX credit inquiry and credit card account is valid and do belong to me. The XXXX XXXX and XXXX XXXX  XXXX XXXX credit inquiry is mine and do belong to me. I gave authorization to XXXX XXXX and XXXX to pull and access my Experian and XXXX credit report.
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XXXX, 2017 I contacted Bank of America regarding debit card fraud on my account. My debit card and licenses were both lost and found or blantely stolen. The thefts were able to deposit three checks, one worth {$1000.00}, {$360.00}, and {$330.00}. Before this i only had {$620.00} in my account originally, the users withdrew all of what they deposited plus my {$620.00}. I contacted XXXX when i realized the activity on my account and reported fraud and for them to turn my card off immediately. They basically told me they could refund me about {$76.00} the following day for the minor chargers however for the larger charges It would take them some time to investigate so on so forth. They also told me they were sending me a new card. The following day they did credit {$76.00} into my account like promised. On Monday XXXX XXXX, my friend transferred {$490.00} into my account. I checked my online banking account and saw my account was in the negatives by {$390.00}. I contacted XXXX immediately to see what the issue was considering i dont have a card and I havent written any checks nor touched my account so I was confused. They essentially told me that those chargers were covering the fraud checks that were deposited into my account although I filed a claim against those on Friday in addition to whoever was handling my claim then, told me that the checks didnt even clear into my account and It would just take a few business days for them to refund my {$620.00}. Today they told me It would take 60 days and now my account stands at - {$1300.00} for checks that i did not write or authorize.
Consumer complaint received 2018-03-17
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. (NY)

Someone got hold of my information and opened up some accounts. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX and now in Delinquent and charged off
Consumer complaint received 2017-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

An inquiry dated XXXX XXXX2016 is reporting on my credit. I did not authorize anyone employed by Bank of America to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company. Did not receive a response or proper resolution
Consumer complaint received 2018-03-17
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. (VA)

I have been trying to convince XXXX  that a collection adverse account has been incorrectly reported on my file and they keep saying that the company reported the collection is the one that they will listen to. They mention that they lunched an investigation and their investigation has found that the company correctly reported the account. 
They refuse to tell me how they conduct the re-investigation and though they promised me to send all the papers related to the investigation and all the evidence related to the case, they never did. All I get is a copy of my credit report. I have repeatedly told them that the name on the collection account is not my name but instead of using this information, I just found that they have added a new version of my name, the wrong one provided to them by the collection agency. They also added a phone number that does not belong to me. 
I feel that XXXX also side with the company reported the account and they do not want to listen to my repeated request that the account is bogus and does not belong to me. 
I had to spend a lot of time again to convince them to reinvestigate and although they agreed at the end, I believe it will not be taken seriously nor they will send me all the paper work related to their investigation. 
I have spent a lot of time now for this problem and I feel that as a consumer, I have never been treated fairly by XXXX. I also have similar experience with Equifax but they are still investigating the account so I can't say that they didn't investigate the issue properly but I am so afraid it will be the same as XXXX. They seem to have similar work code.
Consumer complaint received 2017-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (DC)

XXXX XXXX, 2017 amount {$1900.00} I was basely robbed by PNC bank. I had an accounts one with my son, and another with my daughter when she attended college a few years pass. In searching for a job this year she was caught up in scam, which sent her a check in the amount of {$1900.00} and told her she had to send back portion of the check because, another person needed to purchase stuff need for the operation, which she did. The bank took the check and gave her credit for the money and added it to her account. The next day PNC took all the money out of her account and the money from my son account but, her name were not on his account.
Consumer complaint received 2017-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (TN)

I have contacted XXXX to process an dispute few times on my behalf about in corrected in -formation reported in my credit report and always get they same result wish is reporting CO from XX/XX/XXXX thru XX/XX/XXXX and also is showing 30,60.90 days late in XX/XX/XXXX all this information is in-corrected. 
I filed bankruptcy chapter XXXX on XX/XX/XXXX
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Recently I received notice that my appeal of an unauthorized {$44.00} ACH from XXXX XX/XX/XXXX was denied by the Bank of America. XXXX sent Bank of America erroneous screenshots of cancelled agreements of an authorization to debit my checking account. That agreement was cancelled prior to XXXX issuing a {$44.00} ACH system generated charge to my Bank of America checking account in the month of XX/XX/XXXX. This was theft by deception in my opinion by XXXX. I have spoken to XXXX several times over the phone to remove my checking account information and cancel authorizations to my checking account due to holding my bank account information Hostage to prevent card holders from removing their banking information from the online portal.
Consumer complaint received 2022-09-10
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. (GA)

In accordance with the XXXX XXXX act XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I dont have any information other then what was listed on my credit. XX/XX/XXXX I received notification of an account with them that has gone to collections despite not have a open mor delinquent account. I called spoke to a supervisor she said she didnt see any account for me despite this being the third time hearing from me calling to report inaccurate reporting, i said well its here and she asked for me to send copies to email XXXX. The credit report showed an collection origination date of XX/XX/XXXX for balance of {$460.00}. I did showing collection activity and account information plus amount. I called to confirm receipt and was told she did and will forward to main office to investigate and correct because there is no account under my ssn. As of XX/XX/XXXX its still there and the store hung up on me stating maam there is no account nor was one sent to collections because theres nothing to send.
Consumer complaint received 2017-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

This complaint concerns ED Financial 's unwillingness to reapply a payment. On XX/XX/XXXX I made a payment to my ParentPlus loan for {$8500.00}. This was a tuition refund from my daughter 's college because she decided to take a term leave. Therefore, I immediately made the corresponding payment to my ParentPlus loan. 

However, EDFinancial misapplied the payment to my other student loans which I have been repaying over an extended ( 20 year ) period since XXXX. I incurred these loans when I was in grad school. I suspect EDFinancial applied the payment to these loans because it had a 4.125 % interest rate versus the 6.31 % ParentPlus loan. 

I contacted the servicer on XX/XX/XXXX by phone and by email to request reapplication of the payment into the correct loan group. EDFinancial replied on XX/XX/XXXX asking me to contact the new servicer instead. Unfortunately, I do n't have access to the new servicer yet because my original student loans ( from grad school ) are now under review for the Public Service Forgiveness loan program. I am afraid that if left uncorrected, my loan balance that qualifies for loan forgiveness will be lower by {$8500.00}. Also, I will be left with a ParentPlus loan with a higher interest rate. 
I am hoping you can help me in this situation.
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (IN)

On Monday XXXX XXXX, I was hired for a XXXX XXXX XXXX position, I went through the whole interview process, I signed contact, and everything seemed legit. The next day the sent me a check that I deposited for {$1600.00} I was told this would be the money used for my equipment and software that would be used for the position. The following day they sent me another check for {$1500.00} also deposited the check and put ached XXXX {$500.00} gift cards from XXXX because they told me this would be used for the equipment as well. I asked why they sent 2 checks and they stated that my deposit limit for my bank is XXXX $ so they had to split up the checks and at the time it all made sense to me. So I purchased the equipment and sent a total of {$3100.00} to the company and once PNC recognize those checks were fake and fraudulent they took XXXX $ leaving my account negative. I am now in a terrible position not knowing how Im going to pay for any of my expenses including my daughter. This is a nightmare and I dont know what to do. PNC denied both of my disputes. I filed a police report, sent them all the information I had of the scammers exc. I really need help.
Consumer complaint received 2017-11-21
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. (KY)

Experian and XXXX XXXX XXXX failed to validate debt, because Under the laws of the CFPB and KY UCC 9.506 and state RISA and MVISA, I have contacted XXXX XXXX XXXX myself and have been unable to get them to validate the above referenced debt along with a copy of the required notices by the KY UCC 9.506. 
I have requested information on how the debt was verified by Experian along with the supporting documentation that they have I have enclose copies of my requests to the XXXX and Experian that was sent XXXX XXXX, 2017, asking them to validate my debt, along with proper notices required by KY UCC 9.506. I have also included copy of the original tracking receipt and confirmation of delivery. I was given no response by XXXX to validate the debt or Experian
Consumer complaint received 2022-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

Navient called me approx. 2 weeks ago stating my payment was 32 days past due and going to collection. I asked why since payments had been extended until May. She stated my loans are not federal loans. I said yes they are. I also have a letter from fed loan servincing stating that my FEDERAL loans are being transferred to XXXXXXXX for repayment. 

They have no reported me to credit bureau. I have all documentation. And their recorded call.
Consumer complaint received 2021-11-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit A*R, Inc. (CA)

SUMMIT ACCOUNT RESOLUTION has violated my consumer rights by reporting an alleged debt to the credit bureaus, This false information is now affecting the chances of me to obtaining a credit card and affecting my livelihood. I never contracted with SUMMIT ACCOUNT RESOLUTION. SUMMIT ACCOUNT RESOLUTION never contacted me. I do not owe this alleged debt