davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I wanted to withdraw {$4000.00} from my opportune checking account. I called the branch before hand to insure that if it was available and was told yes. At the branch XXXX and her Manager said no. I called the the number in the back of my card and was told by 2 representatives that I should have been able to take the funds out and they are not sure why I wasn't. I was escalated to the executive office and spoke to XXXX. I need the calls from today XX/XX/2021 audited. I asked XXXX what the facts were ; am I able to take my funds out yes to no and she said I would have to wait to get a call back in a few days from the case manager. I am tired of my account which is a second opportunity account being discriminated against. Today I had my funds denied to me which is illegal. The funds are in my account and it my money. Customer service has confirmed that I should be able to take it out and yet I CANT. XXXX ignored my questions and simply stopped talking. She needs to be fired for lack of professionalism. This is not fair nor legal to customers who need their funds. This is an ongoing issue with Wells Fargo and the need to be investigated. I should not get different information from Wells Fargo employees. The executive office should be able to answer questions and not lie. The executive office is the most unprofessional part of wells Fargo and my calls with XXXX need to be audited, what this bank does is illegal.
Consumer complaint received 2021-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (NY)

I had an account that I closed. Im now trying to reopen my account or create a new account to use the credit builder feature just released and they are preventing me from doing so, being rude and not providing any information about why I cant open an account.
Consumer complaint received 2023-04-04
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. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -or- Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) + XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Finance/Personal ( XXXX ) XXXX Collections XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$500.00} Needs Attention XXXX XXXX XXXX XXXX  {$300.00} please remove all items due to and resulting from the identity theft that should be blocked, by name of the source, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Copy of Credit Report
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privayc.

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
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Experian Information Solutions Inc. (FL)

Dear Credit Bureaus I hope this letter finds you well. I am writing to you today to humbly request that my late payments be removed from my credit report. I understand that these late payments have had a negative impact on my credit score, and I am doing everything in my power to rectify the situation. 

Over the past few months, I have been working diligently to improve my financial situation. I have taken steps to better manage my money, and I am proud to say that I am now in a much better position to make my payments on time. 

I would like to ask for your understanding and consideration in this matter. I am committed to improving my credit score and I believe that removing these late payments will be a great step in the right direction. 

Thank you for taking the time to read this letter. I look forward to hearing from you soon. Below you will find the accounts that need attention. 

US DEPT ED - XXXX Date XXXX - Balance : {$24000.00} Date XXXX - Balance : {$38000.00} XXXXXXXX  - XXXX Date Opened : XX/XX/XXXX - High Credit : {$3500.00} Date Opened : XX/XX/XXXX - High Credit : {$2000.00} Date Opened : XX/XX/XXXX - High Credit : {$1000.00} Date Opened : XX/XX/XXXX - High Credit : {$2000.00} Date Opened : XX/XX/XXXX - High Credit : {$4500.00} Date Opened : XX/XX/XXXX - High Credit : {$2000.00} Date Opened : XX/XX/XXXX - High Credit : {$4500.00} Date Opened : XX/XX/XXXX - High Credit : {$5500.00} XXXX XXXX - XXXX Date Opened : XX/XX/XXXX - High Credit : {$53000.00} XXXX XXXX - XXXX Date Opened : XX/XX/XXXX - High Credit : {$53000.00}
Consumer complaint received 2022-04-29
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privayc.

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
Consumer complaint received 2020-10-19
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: Experian Information Solutions Inc. (TX)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2019-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX I became aware that my business partner had removed me from our business accounts after making exaggerative and false claims to the bank. The bank holds the operating agreement and never contacted me allowing her to not only remove me from the accounts, but to put old accounts on hold and open a new business account with only her name on the account. 
They have said that because I was not listed on XXXX here in florida as an owner on the account, but allowed up to keep running the account stating that the operating account was good in all it stated. The bank Manager of the XXXX XXXX branch XXXX XXXX had told us that the agreement needed to be updated to make it clear so my business partner and I did correct the document to meet the needs of the bank. 
Upon my partner, XXXX XXXX being made aware for a final time she needed to correct the way she was billing XXXX by me becoming aware she was breaking the law she went to the bank and had me removed. XXXX XXXX went to meet with XXXX along with her ex husband and claimed many false things and XXXX the manager of the XXXX XXXX XXXX branch at XXXX XXXX XXXX then proceeded to remove me and then he refused to speak with me about the matter in any detail at all. 
I then contacted the small business banking 1800 number who stated this seemed to be wrong on XXXX 's part as Forida law does count the operating agreement as ownership notice and the agreement clearly states 50/50 voting rights as well. I then found my way up to speak to XXXX XXXX who met with PNC banks attorney 's and came back saying that XXXX had made a correct choice in removing me. After speaking with the state they have made it clear that they should not have removed me in this manner and even more it goes as a breach of contract against XXXX XXXX XXXX XXXX. XXXX then proceeded to claim thousands of dollars of charges were fraudulent including monies that were paid to employees and helpers at the birthing center. She also refused to pay some employees as backlash for them being supportive of me. It is imperative for the safety of mothers who will deliver at the center and the financial livelihood of some employees and myself as a true owner that she is not allowed full control any longer. 
At this time XXXX XXXX is under investigation by the Attorney General and my fear is she will be using these business funds to use in her XXXX fraud case, the state of Florida as well as XXXX are starting an investigation against her for other issues along with XXXX fraud. XXXX XXXX has been able to steal from me at this point along with the government via XXXX fraud and the bank is enabling her by allowing her to put all business funds in a separate account. Even more than theft her carelessness has allowed babies to almost die and this stems from her having full control of the business funds.
Consumer complaint received 2022-01-12
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: JPMORGAN CHASE & CO. (CA)

I have done everything in my power to have these accounts removed. These derogatory accounts have been paid and settle properly upon the settling terms. The accounts initially went negative due to the effects of Hurricane Harvey. I still did my part and paid as promised. The companies are refusing to remove the account from my report. The accounts are old and need to be removed so I can move on with my life and continue to prosper and finish my revery process. 

JPMCB, Chase has stated that they do not remove accounts from the credit report at all which I know is not true. The account was opened on XX/XX/XXXX and closed and paid XX/XX/XXXX. 

XXXX XXXX  has not responded to none of my letters or inquiries. The account was opened XX/XX/XXXX and closed and paid as agreed upon XX/XX/XXXX. 

I have done my part I need these accounts removed.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Metro Collection Service Inc. (CA)

I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX  XXXX  ever since. XXXX XXXX XXXX  is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name Metro Collection, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. 

Metro collection services collections for XXXX XXXX is the property management company. XXXX XXXX  XXXX collections for XXXX XXXX is the property owner. 

I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. 

I have already disputed this with the credit bureaus and they refuse to remove the false information.
Consumer complaint received 2019-11-15
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: ERC (NV)

I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX XXXX XXXX, As of XX/XX/19 I  discovered ENHANCED RECOVERY CO L for amount of {$360.00}.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (MN)

XXXX has alleged that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as 30 days late, which is incorrect and now they changed the 30-day late reporting months to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which is again incorrect. Please see below for the outline as proof as this is also based on XXXX actual statements provided to me, which clearly contradicts XXXX reporting to the credit bureaus. 
XX/XX/XXXX- {$350.00} payment posted on XX/XX/XXXX, which was only 9 days late, not 30 days late. 
XX/XX/XXXX/ XX/XX/XXXX {$260.00} Payment was made on XX/XX/XXXX, which is 10 Days Before the due date, not 30 Days Late. Furthermore, this payment included XXXX payment, which only made 19 days late, not 30 days late as noted on the credit bureaus. 
XX/XX/XXXX/ XX/XX/XXXX- {$210.00} payment was made on XX/XX/XXXX, which was 1 week before the due date and was not 30 days late. This also included XXXX payment, which was only 21 days late, not 30 days late as reported. There was also a payment of {$110.00} made on XX/XX/XXXX, which was posted on the exact due date was not 30 days late. 
XX/XX/XXXX Paid {$110.00} on XX/XX/XXXX, which was correctly applied to XXXX statement, However, {$110.00} payment made on XX/XX/XXXX was misapplied to XXXX and was supposed to be applied to XXXX, not XXXX. There was also a {$350.00} payment posted on XX/XX/XXXX, which was only 9 days late, not 30 days late. 
Equifax, XXXX, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n 15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied that originated from the creditors and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediate and send a letter to me confirming the removal of the 30 day late notifications. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CO)

they were rejecting my payment, and then overcollecting payments asking for a XXXX dollar payment, when it was just supposed to be XXXX, they were also trying to skim XXXX off my payment " punishing '' me for paying, they wanted me to pay another way besides money. They rejected the money I had, then I don't have enough now because they charged me for late fees, etc. and just manipulating themselves out of business.
Consumer complaint received 2019-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (NY)

Sequium Asset Solutions continues to charge me for a collection that has already been resolved as identity theft fraud by the original creditor ( XXXX XXXX XXXX ). I have already proven my case as identity theft through XXXX XXXX XXXX theft and it is resolved, and XXXX XXXX XXXX has notified Sequium Asset Solutions numerous times to withdraw/close the wrongful collection. Sequium Asset Solutions continues to hold that they have not received this notification and continues to charge me for this wrongful debt, ruining my credit score by 100+ points for over 5 months!
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$460.00}
Consumer complaint received 2020-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bernhardt and Strawser, P.A. (NC)

I respectfully ask that the CFPB supervise my dispute with this debt collector. 

On XX/XX/2020 I received a letter from Bernhardt & Strawer regarding an alleged debt. In response, I sent a certified letter ( rec'd/signed for on XX/XX/2020 ) stating no agreement would be considered as my position had been stated clearly in previous communication with their alleged client. However, I presented my position in the same manner and requested evidence that Bernhardt & Strawser, P.A. has legal standing to collect on this alleged debt. In a letter dated XX/XX/2020 they failed to comply with this request, instead sent unauthenticated computerized copied billing statements along with generic terms and conditions. 

On XX/XX/2020 I sent another certified letter ( rec'd/signed for on XX/XX/2020 ) advising how their claim would not be considered because they cant demand monies for an alleged debt for which no proof of ownership has been verified or exhibited. 

In response, Bernhardt & Strawer sent another letter dated XX/XX/2020 with the same information as their XX/XX/2020 letter ; along with the same unauthenticated computerized copied billing statements and generic terms and conditions.
Consumer complaint received 2019-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019, I was the victim of identity theft. My debit card and personal information was used by a criminal to successfully complete a transaction on XXXX by ways of XXXX for {$1900.00}. I received a notification from my Chase app as soon as it happened in real time and so I called Chase to let them know it was not me. They said they would look into it and to open a claim so I trusted them to take care of it. I did my part by calling them to let them know it was not me however, they did not do theirs by protecting my money. If I was in another state, they will cal you to make sure its not fraud, so why was my situation not treated with the same urgency? The complete authorization was not completed on XXXX end until the next day at XXXX. Almost a whole day went by and Chase allowed it to be successfully completed without notifying XXXX to stop it or intercepting it.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I as of late sent a debate letter to XXXX, Equifax, and XXXX  on, XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Agency. The explanation I'm documenting this protest against them is that Government Law expects them to react within 30 days yet they have neglected to react.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX XXXX ever since. XXXX XXXX agency is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name XXXX XXXX, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. 

XXXX XXXX is the property management company I rented the house from and XXXX XXXX is the owner of the house. 

I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. 

I have already disputed this with the credit bureaus and they refuse to remove the false information.