davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

On  XXXX   XXXX  ,2017 I mad e a mobile dep osit to my Wells Fargo ch ecking account.They did not credit my account for the amount of the deposit, when i called them to inquire they said there was a hold on the deposit, that the bank the check was drawn on claimed a fraud. that i should call the issuer, when i did so i was told there was no caim of fraud by them. The issuer is the state of california controler. when i called wells fargo back they changed their sory and told me the check hasnt been paid for, so i called the california treasurer that informed me the check had been paid and the funds should be available. when i called back to wells fargo they told me the federal reserve was holding the money, when i called the federal reserve they said they dont hold any monies and that i should file a complaint. i feel wells fargo is just holding this check to collect over draft fees. i deposit  XXXX  of these checks from the state of california every month. i have to wait two weeks to recieve this payroll check. which i recieved the  XXXX  of  XXXX  and wells fargo is not going to release the funds until the  XXXX  of  XXXX . everytime i have called wells fargo they have given me a different reason. the check number is  XXXX  the amount is {$910.00}. the issuer of that check is the state of california controller and can be reached at  XXXX   XXXX  the state treasurer can be reached @  XXXX   XXXX . They told me the check was paid  XXXX   XXXX .  Wells Fargo  has refused to contact the state controller or the state treasurer. I would appreciate you looking into this matter. There has been no fraud reported by  XXXX , the state controller or the state treasurer. since it was a mobile deposit i did not keep the check since ive never had this problem before in the past. Please contact me at  XXXX  XXXX  XXXX  or by phone at  XXXX   XXXX . My name is  XXXX   XXXX   XXXX .   Thank You
Consumer complaint received 2017-04-20
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am going through a divorce. I was awarded the home and need to re-fi. I inquired with my banker, Ba nk of America, w here I am a preferred rewards customer with all of my savings invested there. The issue involves their refusal to refund the appraisal fee of {$540.00}.      X/XX/17    : I locked i n a 30 y r. re-fi rate at 4 %. Began the application process.      XXXX  : BOA charged my credit card {$540.00} for upcoming appraisal.      XXXX  : BOA contacted me, asking about timeline on divorce separation agreement. I confirmed that I was giving my wife five months to find a new place, and I would temporarily vacate and live with friends.      XXXX  : Appraiser came in the morning. In the afternoon, BOA emailed and said they could no longer offer me the 4 % rate because of my timeline. They said I need to be in the premises 30 days after closing. They said they could still do the loan, but at 4.5 %. I said NO THANK YOU and PLEASE REFUND MY APPRAISAL FEE ( {$540.00} ) since BOA knew about my divorce timeline THE DAY BEFORE THE APPRAISER CAME.     I have escalated to no avail.
Consumer complaint received 2024-02-19
Product: Credit reporting 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)

I do not recognize these credit inquiries and I have asked them to be removed and the credit bureau have not. I will be providing an identity theft report and Im requesting them to be removed because there are inaccurate and not mines.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CT)

They were not taking back ANY XXXX items. I asked for an exchange due to item being defective and stopped working on XX/XX/20. I could not take down off roof due to snow, weather conditions, and danger of injury. I asked for an exchange, store credit, or return to be made whole on product that does not work. Was told nothing they can do.
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I am writing your agency because I did a complaint previously in here regards some charges on my Capital One card, case #  XXXX , about  XXXX  disputed charges from the merchants  XXXX  and   XXXX   XXXX  . I got a response and it says that the merchants responded to the dispute notice and based on the information they received, the merchant 's decision not to honor my refund request appears consistent with the terms and conditions the merchant makes available to consumers in connection with the purchase at issue. In resume they denied because they are saying they sent a copy of the merchant 's cancellation policy, the point is if they DID NOT provide the services that I paid for, then none of this cancellation p olicy matters.They calle d me unsolicited, pushed me their services as needed and now they did not deliver it. So I am looking for my refund as they were incapable of do the work that I paid them to do it. The reason why I started the dispute is because the services were not rendered by the companies, I did authorize the merchants to charge my card, but I did not receive the services that I was led to believe that I paid for. They made me a bunch of promises and they did not fulfill with their end of the deal. I am very upset because my bank is not even trying to understand my situation. I tried to open a dispute right after the charges and it seems like they are ignoring the fact that I got scammed by these scam artists. All I am asking is the chance to open a dispute. I tried to resolve with the merchants but they do n't respond my calls. All I want is my money back. Even if they tell me they did work for me now it is too late, since after I paid them I could barely get in touch with them or get any straight answer from anyone.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (FL)

I made a purchase from a website XXXX which requested payment with a Vanilla Visa card. I purchased a 500 Vanilla card with my debit card at XXXX on XX/XX/22 and completed the transaction on the same day. Got suspicious when I could not reach the company and called the gift card company to find out that XXXX charged more than the 460.00 that the item cost and receipt email reflected and they charged {$490.00}. They apparently just stole XXXX from me. I believe that Vanilla card should refund the full amount since this was fraud. I have submitted a complaint with them as well.
Consumer complaint received 2017-04-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Eastern Account Systems of Connecticut, Inc. (FL)

Eastern Sy stems Posted a debt collection on my credit repo rt EASTERN ACCOUNT SYSTEM I  Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CT  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Original Creditor :   XXXX      XXXX   XXXX    XXXX  Address Identification Number :  XXXX  Status : Collection account. {$59.00} past due as  of   XXXX   2017.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2015 I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

It is XXXX XXXX 2018 and yes my funds have gone too low. I called this girl named XXXX XXXX who said call anytime and she could help. Well guess she lied because when I called she totally blew me off saying she could only help once. Seriously, you take all the money in overdraft fees does not make up for the small amount I accidently withdrawn. Please tell me why XXXX in fees is feasable for a small accidental withdraw. I hate citizens bank. The CEOs for this company have to be swimming in money. Sad that you guys can not help someone who is trying to catch up but they keep taking all of any extra funds I put in the bank. Is there anyone who would help? I have an attorney appointment to file bankruptcy. All I ask is for a few months to catch up. I will catch up if they would stop taking all my money in overdraft fees. This is very sad that Citizens Bank is responsible helping poor people stay above water. Hope the CEOs are proud of themselves. Like XXXX will break them. Sad sad sad!!! I 'm trying and you just keep pulling me down. Any federal agencies that can help? Please help me find a solution. I am trying!!!
Consumer complaint received 2021-09-09
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)

I have disputed inaccurate information on my credit report with Experian, XXXX, and XXXX and they have NOT complied with any of my requests! They are just sending me computer generated responses and have NOT investigated this information with each furnisher as per FCRA guidelines!
Consumer complaint received 2019-03-06
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. (MI)

Personal Statement I have been a victim of id theft and following up to clear up some remaining inquiries that are not mine and it was an attempt to open accounts in my name. The fraudulent inquiries are 1 )  XXXX/XXXX on XX/XX/XXXX 2 ) XXXX XXXX on XX/XX/XXXX 3 ) XXXX on XX/XX/XXXX 4 ) XXXX on XX/XX/XXXX 5 ) XXXX  XXXX  XX/XX/XXXX attached my the ftc report and I have begun notifying all the appropriate parties. Thanks.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/19, I initiated a balance transfer of {$1000.00} from my Chase credit card to my XXXX XXXX card. I paid a {$40.00} fee to initiate the transfer. XXXX XXXX received and deposited the transfer on XX/XX/19, but the check from XXXX XXXX XXXX was returned on the same date, due to insufficient funds. I incurred a {$27.00} fee and a major increase on my rate for the next six months. 

On XX/XX/19, Chase sent me a letter stating that XXXX XXXX had received the balance transfer payment on XX/XX/19 and it had been applied to my account. Once again, the only payment from Chase was on XX/XX/19, and was returned. 

I wrote Chase a letter on XX/XX/19, explaining that the check was returned and provided copies of my statement showing the returned transaction. I received yet another letter on XX/XX/19 from Chase stating that the payment was applied to my XXXX XXXX ... completely disregarding what I had sent. 

It is now XX/XX/19 and my Chase account has still not been credited back the {$1000.00} and {$40.00} balance transfer fee.
Consumer complaint received 2024-02-19
Product: Credit reporting 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. (NC)

The credit bureaus never did a proper Investigation according to the FCRA. The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or Mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. This process was not properly conducted with addition to multiple violations of my rights, In accordance with the Fair Credit Reporting Act, Everything must be 100 % accurate concerning my consumer report. Credit Bureau in violation : XXXX The credit Bureau Never responded to my initial method of communication via mail parcel. 2 of 3 bureaus has already begun the process of inaccurate item removals. This bureaus lack of persistence and punctuality has taken a negative impact on my ability to obtain lending, negatively impacted my approval rating for lender products etc. They also violated the law. Because according to 15 U.S.C Section 1692g ( a ) ( b ) the consumer reporting agency failed to provide notice of debt contents 15 U.S. Code 1681i ( a ) - Procedure in case of disputed accuracy 15 U.S.C 1681. Section 6028. States I have the right to privacy. 15 USC. 1681. Section 604. A. Section 2. It also states a consumer Reporting agency can not furnish an account without any written instructions. This grounds for removal.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently pulled my credit and discovered various mistakes on my file. There are previuos addresses that don't belong to me, several accounts that say late paymenst in which I don't agree with and a charged off account and several accounts that are not mine.
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Bureaus, Inc. (FL)

I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

THE BUREAUS INC is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES.

THE BUREAUS INC have used abusive, deceptive, and unfair debt collection practices.

THE BUREAUS INC have violated my consumer right to privacy, I NEVER gave them any my information directly and THE BUREAUS INC has committed the crime of IDENTITY THEFT.

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution.

I am holding the THE BUREAUS INC civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.
Consumer complaint received 2019-10-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (TX)

On XX/XX/2017 I became XXXX and still am XXXX now. For 6 months following my initial XXXX date I received no income. It was hard to even keep food on the table. Id bought a vehicle prior to my XXXX and could no longer afford payments. I contacted my finance company to voluntarily surrender the vehicle. They wouldnt acknowledge this and rather than picking up the vehicle, they continued to harass me for the payment for 5 months, all the while the vehicle sat in my driveway undriven and in immaculate condition. Then, it was repod like a thief in the night. Id have given them the keys but they preferred to treat me like a criminal. After a couple of months, I began receiving calls from a debt collector. The truck had been auctioned and of course, there was now a negative balance they claimed I owed. This debt collector called both my wife and Is cell phones Sundays, Saturdays, morning, night, holidays, etc, daily demanding a payment. This went on until just a couple of months ago when I explained that I have been on XXXX and didnt realize the dealer shouldve paid off the vehicle with my XXXX insurance I was sold by the finance department. Theyve now sold the debt to a new debt collector. I challenged this debt with XXXX XXXX who ruled in the debt collectors favor, naturally. Im trying to buy a house now and cant because this bogus XXXX is on my credit report. Id like to sue all involved. They shouldnt be able to get away with ruining a XXXX mans life, but they do.
Consumer complaint received 2019-03-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim.

Repeated requests to provide methods of accuracy & verification used by Transunion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I disputed that XXXX had charged off my account as of XX/XX/XXXX and a balance remained reporting on my credit report with TransUnion. I have attached the 1099 I received from XXXX to this complaint for your review. It is my understanding that the balance should reflect {$0.00} when an account is listed as a charge off.
Consumer complaint received 2023-02-16
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. (TX)

I have sent dispute letters to you regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know you did nothing regarding my concern. In accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer in fact has the right to demand compliance within 15 days for the results of a investigation via written notice.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I have an issue that is still reporting on my credit report .Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My student loan is CURRENT with the XXXX XXXX XXXX xxxxxxxxxxxxxxxx XXXX. I have attached the letter from XXXX that my loan is in fact Current If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB XXXX
Consumer complaint received 2019-03-06
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. (MI)

Personal Statement I have been a victim of id theft and following up to clear up some remaining inquiries that are not mine and it was an attempt to open accounts in my name. The fraudulent inquiries are XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX na XX/XX/XXXX XXXX XXXX XXXX na XXXX XX/XX/XXXX XXXX ) XXXX   XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX oil no XXXX on XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. These are all unauthorized inquiries made by someone other than me please remove from my report. I have already begun contacting all the appropriate parties.
Consumer complaint received 2022-01-06
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: AMERICAN EXPRESS COMPANY (NC)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2019-10-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

the following credit cards opened on my name and it is on my credit report, I never used or opened this credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX limit {$10000.00}. 
Bank of America $ {$4000.00}. 
XXXX XXXX {$2000.00}. 
XXXX XXXX {$17000.00}. 
XXXX  {$3000.00}. 
XXXX XXXX {$3000.00}. 

- XXXX Credit Card was opened on my husband 's name, also I was not aware I am on this credit card, please advise - XXXX XXXX XXXX XXXX XXXX - it was a mortgage company, please remove Regardless, XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A third party collector show up on my credit report by the name of XXXX XXXX XXXX and I do not know who they are. It says sprint but I have never had sprint before. This information is false. And I would like it removed asap