davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

Purchased a {$400.00} prepaid card from the company XXXX from a XXXX on XX/XX/XXXX. Checked the balance on their website shortly after I received it, to which it appeared normal. Attempted to use the card the same day on several websites, and card was declined on each one/transaction did not go through. On XX/XX/XXXX ( next day ), attempted to check the balance on the card via their website, only to receive a message saying the website and card is invalid/down. Called customer service on the same day, get through and customer service rep assures me that card is working. Attempt to check balance again after rep says this, website/card is still down. Eventually rep offers the option for them to send me a new card that can be reactivated on my own for the same balance, to which I accept. XXXX assured me that card will be received in XXXX business days. As of the end of the day XX/XX/XXXX, replacement card still has not been received.
Consumer complaint received 2020-05-02
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. (GA)

A number of accounts that don't belong to me are been posted in my credit, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed. please send me that information or remove these accounts from my credit, the law is very clear about this. Thank you.
Consumer complaint received 2018-02-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (MA)

on XX/XX/XXXX I used my card for a {$100.00} deposit for a complimentary room at a hotel on the XX/XX/XXXX the hotel released my deposit back to my card but netspend did not post it.On XX/XX/XXXX I again used my card for another {$100.00} deposit for a complimentary room at the same hotel the hotel released the funds back to my card and netspend did not post it.

I called netspend and was told XXXX XXXX XXXX XXXX tried several times to release the {$100.00} deposit back to my card for both deposits but netspend informed me I need a letter from the merchant stating i would '' nt be charged in order to put my money back on my account and would need a letter from every merchant for a refund in the future. 
Once the merchant released my deposit it should have been posted to my account instead netspend would like me to jump through hoops to retrieve it. 
i am also missing a refund in the amount of {$82.00} from a purchase i made at glock store online on XX/XX/XXXX and was told once again i need a letter from the merchant to retrieve my funds.
Consumer complaint received 2020-01-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TD BANK US HOLDING COMPANY (LA)

XX/XX/XXXX I called TD Auto finance to pay my monthly truck lease. When I called their number ( XXXX ) the telephone prompts sent me to another department which notified me through phone message that they were closed. My calls started at XXXX XXXX central standard time. Eventually, I pressed XXXX to get to a customer service operator. The agent informed me that I was 90 days past due. There was a draft issue with my account so payments did not draft in XXXX. The agent sent to a collections agent which advised me of my options. I made a one-time payment of {$1100.00} on Friday, XX/XX/XXXX. I also made and additional scheduled payment of {$370.00} to be drafted from my account on XX/XX/XXXX. The collections agent told me that the Repossession order was canceled on my vehicle. The entire collection of phone calls lasted until XXXX XXXX XX/XX/XXXX. The next morning my vehicle was repossessed. When I called the customer service department, they told me that nothing could be done until Monday ( XX/XX/XXXX ). They also could not inform me of where my vehicle was located in order for me to retrieve my personal items. My work items were located in the vehicle. Currently, I have not reported to my job in 3 days. Monday morning ( XX/XX/XXXX ) I started calling the collections department at XXXX XXXX  and the a resolution was reached at XXXX XXXX that same day. The collections agent after putting me on a 20-minute hold stated that she confirmed with her supervisor and determined that my vehicle was wrongfully repossessed. She apologized and stated that a new worker made a mistake and did not cancel the repossession. She stated that my truck would be released and that I would not have to pay fees. When I tried to retrieve my vehicle the tower informed me that the yard closes at XXXX XXXX and that I owed a {$370.00} storage fee. I will miss the fourth day of work and I will have to pay {$370.00} dollars to retrieve my vehicle.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIRST NATIONAL BANK OF OMAHA (OK)

I am getting harassing phone calls all day long from a NO ID number from First National Bank of Omaha First bankcard credit card and I am not even 30 days late on my payment. They start harassing me as soon as I am one day late and it's all day long sometimes. With COVID I am late making payments because I am getting paid late. Thus is the second time and it's worse than the first time and I am still paying my bills. It's not like I am not paying. It's becoming a nuisance and interrupts me at work. Outside of COVID I have never been over 30 days late. There is no excuse for this harassment. I am an adult and none of the other credit cards even bother to call if I am late or miss a month. This needs to stop. It's causing my XXXX to XXXX and XXXX  my XXXX even because it's pure XXXX  harassment. I tried calling them and the wait time was so long I can't sit on hold and run my business. It's all too stressful. They need to wait 30 says before harassing people.
Consumer complaint received 2018-03-09
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. (TX)

I applied through XXXX XXXX ofXX/XX/XXXX for a personal loan. I understand XXXX XXXX shops for the best loan offer with outside Lenders. I received an email from XXXX and XXXX XXXX, letting me know I had been preapproved through XXXX XXXX and that XXXX and XXXX XXXX was ready to make an offer to me. I decided I did not want to go through with either loan, so I did not reply to any emails from XXXX or XXXX XXXX, which meant, I was not interested in moving forward with the approval. I noticed XXXX sent 7 emails to me, dated from XX/XX/XXXXto XX/XX/XXXX. It was on XX/XX/XXXX I noticed the email said I had been denied the loan. I then checked my credit report and noticed the hard pull from XXXX. I contacted XXXX and demanded the hard pull be removed from my credit file because I did not respond to their pre approval offer, offered to me on XX/XX/XXXX The representative apologized and began to ask me for my personal information in order to create a fraud ticket in his system. He then said it would take 30 days to resolve the issue. I told him I did not have 30 days to wait. He continued to ask for personal information but I chose not to give my information and informed him I would submit the complaint a different way.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I received letter from XXXX, this is the company experian uses to verify information, XXXX shows bankruptcy is not correct and has been removed on XX/XX/21, experian said they verify information with them and it looks like they did not, because XXXX shows it not listed on XXXX records, i uploaded documents ( letter from XXXX showing this has been removed and date of XX/XX/21 ), to file experian XXXX and XXXX and just uploaded with no file number, still no response or removal of bankruptcy from experian,
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2021, I opened a One Deposit Checking account with Citizens Bank, through XXXX XXXX ( Branch Manager of Retail Banking ) in anticipation of using Citizens Bank for our home mortgage. We ended up using a different lender and contacted XXXX XXXX, in writing, to close our checking account and to have the funds mailed to our home address. He confirmed, in writing, that he would take care of that day. To our surprise, the account has never been closed. I reached out to XXXX XXXX, again, on XX/XX/XXXX, requesting, in writing, that the account be closed and the funds be mailed to our home address. Again, this request went unfulfilled. On XX/XX/XXXX I attempted to close the account through Citizens Bank Customer Service, who then informed me that they can't close an account over the phone when it has more than {$50.00} in it. The only way to close the account is for me to transfer the money out, wait one business day, and then call them back to close it. These types of delay tactics, where banks push the onus back onto the consumer, are precisely designed to have consumers forget and/or give up. I requested, twice, in writing for the account to be closed and provided the address to mail the funds. It is illegal to ignore these requests. I now have to go through a more onerous process to close the account. I suspect I am not the only consumer facing this type of issue with Citizens Bank, which is why I am reporting it. Thank you so much for your help with this issue.
Consumer complaint received 2018-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CT)

Good morning. I was recommended to your site by the State of CT, Dept of Banking. In XX/XX/2018 I purchased a new house. During the financial transactions between my attorney and XXXX in XXXX, someone copied my attorneys email info and wire transfer form and got me to ok a wire transfer from XXXX XXXX to a XXXX   XXXX XXXX account. XXXX XXXX did not confirm this transaction so sent the money to the fraud account. The amount was {$90000.00}. We found out the next day and immediately filed an IC3 report. XXXX XXXX did the same. The money was transferred from XXXX   XXXX XXXX to Wells Fargo. Wells Fargo alertly caught the exact dollar amount and froze the account that the money was put into. The problem is, is that Wells Fargo is not releasing the money to me, nor are they being communicative with the XXXX XXXX people. I filed a IC3 report and a police report through XXXX XXXX police department. I then contacted the AG office, then the CT dept. of Banking which led me to you. Please help me. I dont understand why Wells Fargo has not released this money back to me. 

Thank you,
Consumer complaint received 2023-01-03
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX college account number XXXX is breaking the law!! Its been reaging my account reporting 120 days late each month for 4 years!! Further destroying my credit even more. Also, the account has been up to date for 6 months and i been disputing but no change..please remove ALL 120 DAYS LATE MARKS ON CREDIT PROFILE AFTER THE TRUE 120 DAYS IN 2020. WHICH WOULD BE THE FIRST 4MONTHS. PLEASE FIX AND THANK YOU.
Consumer complaint received 2020-12-12
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: Experian Information Solutions Inc. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2018-07-30
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. (TX)

I got several issues going on with Transunion, My scores went down dramatically for NO REASON- I was added as an authorized user to my moms credit card, 2 XXXX XXXX XXXX XXXX credit card in which she has good history, never late, etc, instead of my credit increasing AT ALL!!! it keeps going down daily, and i don't know why! I need my scores to be updated right away! 

Also, there are several inquiries in my credit report that I did not authorized and I am SURE this is due to some data breach, and I am going to file a lawsuit if this is not resolved right away!! I do not want to receive a response stating the inquiries are valid because they are not, I am 100 % sure this is due to a data breach or something transunion is doing wrong. I need inquiries to be deleted right away! 
The inquiries in question are : XXXX XXXX XX/XX/XXXX XXXX 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 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   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-29
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. (TX)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2018-02-18
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: Experian Information Solutions Inc. (CA)

Frauding scams using XXXX Indiana serial Numbers of my great great grandma and grandfather fraud as business permits and ids scams and parks and school 's and building signage as court business permits and lawyer 's scams and doctor 's scams and others internet scams
Consumer complaint received 2020-05-02
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. (MD)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for various accounts. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
Consumer complaint received 2020-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have filed several complaints concerning this issue with Wells Fargo. In XXXX they were cross selling unwanted and unneeded insurance policies. Even after they were supplied with all the information and documents needed to prove that they were not allowed to force sell these products, they reapportioned my mortgage payments to these products and attempted to foreclose. I hired an attorney, Mr. XXXX, and we sued Wells Fargo. After many years, Wells Fargo settled with a check of {$15000.00} and a promise to clean up my mortgage account by removing their reapportioned payments, fines, and fees, etc. 

After paying the {$15000.00} and agreeing to clean up my account, Wells Fargo proceeded to ignore cleaning up my account, even after my attorney graciously gave them every opportunity to do so, before he filed for a breach of contract, a year later. It has been another 2 years or more since the settlement. Wells Fargo has agreed that they did not clean up the account, and that they have been in breach of our contract for more than 2 years, but they have arrogantly ignored the breach of contract suit. 
Wells Fargo has kept my husband and me in financial limbo since XXXX! We can not refinance higher interest mortgages, we can not finance a commercial interest we started in XXXX, and indeed they have handicapped my ability to pay my student loans. 
Please demand that Wells Fargo settle their breach of contract debt and clean up my account, so that I have the financial choices that I should have with a XXXX+ credit score. 
Additionally, I am also a XXXX XXXX with XXXX hives. In the winter, when flowers are not easily found, bees often start robbing each other. I took some powdered sugar and blew it over the entrance of one hive that was being robbed out. Then I watched for the hives to where all the bees with stolen honey returned, each blanketed in powdered sugar. ALL OF THE ROBBER BEES RETURNED TO THE LARGEST HIVE! I shared this story with other XXXX 's and learned that it is common, because only the largest hive can afford the loss of bees, that robbing generates. An entire beeyard can be utterly decimated by this robbing behavior. There is only one thing that will fix it. The big hive must be broken up into smaller hives. I hope you can gleen some banking wisdom from this story. 

Wells Fargo must settle their breach of contract with me, and force them clean up my account at the same time. 

Wells Fargo must be broken into smaller banks so that others are protected from their robbing practices.