davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (PA)

Well I receive pa unemployment And my card was locked by us bank And I am unable to use my card. 
One of there agents used my old address on my form And when I used my new address that I currently live at they made it a fraud claim when there is no fraud present to lock my card I receive a deposit on there and I am in great need of my money and they wont release my funds. 
Ive submitted several forms of documents proving I am who I say I am and Ive waited more than the 10-14 business days the copy have asked to follow after every submission of my documents Ive sent them over 10 times yet Ive been waiting 3 months for my answers and card to be unlocked and I have yet to get my money I have a family and the funds that are loaded every week are being held for no reason
Consumer complaint received 2022-11-01
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX were XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXXDEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} ; XXXXDEPT OF ED XXXX Balance : {$9000.00}
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blakely-Witt and Associates, Inc. (TX)

In XX/XX/2023 I contacted Blakely Witt to inform them they were furnishing inaccurate information on my consumer report due to me being a victim of identity theft. You can also see in the letters that I have attached that I requested a method of verification. Verification still have not been received.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something.

I did not make any of this up, this is directly from congress!
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

On XXXX XXXX, XXXX, my elderly mother discovered that her home health aid had stolen her checkbook and written approximately XXXX checks to herself, emptying my mother 's account. My mother reported the theft to PNC and identified the forged checks. The branch XXXX called the police, who came to the bank and took a report. The XXXX also submitted a dispute for the forged checks, which totaled over {$20000.00}. For the next six months my mother and I regularly contacted PNC, which kept telling us to wait and be patient because it was still investigating. On XX/XX/XXXX, my mother died of XXXX XXXX XXXX. I notified PNC of her death. PNC told me it was still investigating the forgeries and that it would contact me soon, but it never did. Is there a law that requires PNC to perform a timely investigation? It's been more than six months, My mother 's name was XXXX XXXX. The account is titled " XXXX XXXX XXXX XXXX XXXX. '' I am the trustee.
Consumer complaint received 2022-04-30
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: WELLS FARGO & COMPANY (AZ)

Approximately one month ago I contacted Wells Fargo Bank, to reconcile a charge on my Wells Fargo credit card that all parties agreed was an accident ; my girlfriend charged our credit card ( she is the only authorized user on my credit card, for having never had a credit card in her life, ever ) and she agreed to change to a different method of payment and did so successfully on the XXXX web site, before we both contacted Wells Fargo to dispute the charge-my girlfriend changed her method of payment before Wells Fargo Bank registered the original charge in their computer database. When she and I called them, they grossly mistreated her and refused to talk to her, claiming they could only talk to me ( which the Wells Fargo Customer Service Department was proudly proven wrong, for, with the shift XXXX reprimanding several phone representatives for refusing to recognize my girlfriends right to talk to them, as was her well established right, as an authorized user on my account ; they regretted mistreating her when I was done with them ). Nonetheless, after an extensive dialogue with the Wells Fargo Credit Card Division shift XXXX, in which he agreed that because my girlfriends was changed to another method of payment and the Wells Fargo Credit usage was an honest mistake, the Wells Fargo Credit Card Division shift XXXX guaranteed that they would smooth things over with XXXX and that I would not be held liable for the charge originally put on my credit card. My girlfriend and I were told that Wells Fargo would take care of it ; roughly 2 weeks later she gets a bill in the mail for the original charge and calls me asking what to do. I told her call Wells Fargo and dispute the charge ; I called them as well and the shift XXXX was surprised and disappointed that it was taking an unusually long time for the charge to be arbitrated off my account, even though arbitration was the only way for Wells Fargo to arbitrate it off my account. My girlfriend and I were told not to pay the bill, as this would confirm the charge and confuse the issue ; wait a month and this issue would be resolved. Yesterday marked over a month ( closer to XXXX weeks ) and now I have XXXX ( my credit reporting agency ) downgrading my credit rating, from borderline good ( yellow to green ), to down XXXX points to just yellow, because Wells Fargo Credit Card Division has failed to arbitrate the charge off my account, as they promised they would and could do, easily. My girlfriend called them and they asked for a month extension, claiming they would fix the problem. I want them held accountable for failing their promise and victimizing me with a downgraded credit rating, because of their failure. Wells Fargo Credit Card XXXX promised and failed to deliver ; now theyre using time extension to bluff their way out of the promise they made and this is breach of contract.
Consumer complaint received 2022-04-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Academy Mortgage Corporation (FL)

Hello- I purchased my home in XX/XX/XXXX, during that time the mortgage company made a mistake and did not apply the interest rate that was agreed upon. Therefore, I had to pay more in closing. The mortgage broker XXXX XXXX sent me an email acknowledging her mistake and stated that I would be created the difference which was about ~ {$800.00}. Since that time ( XX/XX/XXXX ) I have reached out to the mortgage company and XXXX several times and was promised that the check was issued. I never received the check. You can see in the attachment in XX/XX/XXXX, I was once again told that the check was issued.
Consumer complaint received 2021-06-08
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. (SC)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I requested an Official Check ( Cashiers Check ) to be sent for my rent payment of {$940.00} on XX/XX/2020. I have called USAA at the very least 20 times over the past six months about this check ( including today ). I have been on hold for hours, requested call back from managers ( not received ), and requested my money returned to my account. After speaking with a supervisor last week, I learned that the check had never been cashed. It took USAA literally six months just to tell me that the check had never been cashed! After speaking with a supervisor last week, I was sent an Return Declaration of Loss form. It was profiled out with " Lost while in my possession/Lost by third party individual or company. '' I sent this form back with a correction that it was not lost by the receiver since it was never received. It was my rent payment that I had to replace! Calling USAA for months with absolutely no help from them whatsoever. I sent that form back to them by fax on XXXX XXXX. Today I called USAA yet again. After speaking with a representative, a supervisor then someone from their " CEO Office '' that takes calls, I asked one simple question. After holding my money for almost seven months, when am I going to get it back? ... .The reply was simply " I don't know - we're looking into this ''.
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-08-17
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account only Credit Report. Under the FCRA section 609 and 611, Experian is required to verify the information and status of the account being reported on my Credit Report. But in my case, they have kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Aim submitting this complaint to you today to request that they provide me copies of documents bearing signature to verify the status of the disputed accounts. If Experian failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Late Date XX/XX/20
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Hi my name is XXXX XXXX XXXX XXXX XXXX contact the credit bureau about my name and address on my credit report also I send them proof that the names and addresses they have listed on my credit report was not my, I have one name that I have used though out my life and would like this corrected.According to the fair credit laws anything on your credit report supports to be accurate and correct. Names thats not corrected XXXX XXXX XXXX and XXXX XXXX XXXX and addresses that not corrected is XXXX XXXX XXXX XXXX Tx XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX also removal of all accounts attached to these names and addresses.
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. (NJ)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (TX)

Company at number XXXX claiming to be XXXXXXXX XXXX XXXXXXXX XXXX contacted me regarding a case they cited as XXXX ; they threatened legal action and garnishment, wanted immediate payment and refused to disclose any information about the supposed debt. 

I have no outstanding debt, I believe this is a scam, and the fact they refuse to disclose their business number, the name of an attorney, or the state they are licensed in strengthens that suspicion.
Consumer complaint received 2021-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Atlas Credit Company, Inc. (TX)

So my husband and I both got a loan in XXXX of 2020, we made a couple payments then all of a sudden she started saying my payments where returned spoke with my bank that wasn't true, now her and the guy there are calling over and over and over all day to both of us and our references showing up at the house non stop. I've just been diagnosed with XXXX and I've begged her to stop and she does it more and more
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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: ALLIANT CREDIT UNION (MN)

I have a complain against Alliant Credit Union. 

Alliant Credit Union pulled out my credit report without my permission and reported I have a credit card with Alliant Credit Union, Which I am not even a member of a Alliant Credit Union. I applied membership in the past, but I was denied for membership. How come I can have an Alliant Credit Union Credit Card when I am not a member????? 

I have contacted Alliant Credit Union and let 's them know my concern. However, Alliant Credit Union has never get back to me.
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc. (NJ)

I receieved multiple phone calls from ARS National. I requested the company provide me with the verifcation of the debt and who it is from. I wanted to know what company was trying to collect the debt from me. They told me they would not provide me with any information unless i gave them my social security number or date of birth.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (SC)

My issue is with Cash app who had me confirm all my identity just to tell me they cant allow me to access my account for security reasons. I said fine can my money that I have in my account be mailed to my address and they told me no. A check to my address can be a better identification then any. I need my money for my bills and they keep hanging up on me.
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FinCo Services Inc DBA Current (CO)

On Sunday XX/XX/2021 at XXXX XXXX I received a call from my bank Current stating that someone in Texas was trying to charge {$500.00} to my card from a XXXX. We verified information and I thought my account was safe after that. I got a deposit in my account on Tuesday, XX/XX/2021 at XXXX XXXX And then on the same day Tuesday, XX/XX/2021 at XXXX XXXX Someone had hacked into my account and sent {$320.00} to a person that I dont even know. I am immediately contacted Current to try and get this matter resolved. I put in a dispute for the charge and waited 24 hours only to find out that They will not be refunding my money due to someone hacking into my account and authorizing a payment to be sent to the user by the name of XXXX XXXX. I am at a loss for words I am not able to speak with anybody over the phone it is all done over chat and I am being spun down a rabbit hole. Ive had no help whatsoever and most likely will not be getting my money back. This is very upsetting because I havent even gotten a confirmation as to whether or not any further payments will be taken out of my account. I have not gotten any confirmation that any security measures have been taken to even make sure this will not happen again. 
I am submitting a complaint against the bank called Current. 
I am submitting this complaint for myself.
Consumer complaint received 2021-06-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (MD)

I have sent numerous emails to their customer support email I get five or six emails saying that I need to send a email that is linked to my account even though the account email that I was sending them was from my account email that is on file with my account I had then send a screenshot to whoever I was speaking to he then apologized but that is not my problem they are telling me that I need to submit evidence for this that and the third to update my banking information I have already explain to them that this account that is linked to this account is in the process of being closed and has been compromised and that its overdrawn by over {$1000.00} I have explain this repeatedly not only that I have also told them the new bank account information that I am giving them still has the employer and direct deposit payments when I originally set up this account from the same employer they are denying me to be able to make my payment on time they are denying me to update my bank information to be able to pay this debt off and not only that they are going to hit me with a bunch of late fees and other fees that are associated with late payments even though that I have been trying to deal with this for the last three weeks and give me a negative report on my credit bureau even though that this couldve easily been straightened out if their customer service department would have gave me the option to update my new checking information or take another form of payment I am frustrated at this point and I am literally sick of this company at this point I am asking you to step in to figure out what is going on with this company to hopefully fix it and to Where is somebody else wont have to deal with the frustration like I have a judging by some of the reviews on the XXXX XXXX I can tell that I am not the only person that is dealing with this issue from this company
Consumer complaint received 2020-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX  has the same entry listed twice for a debt in 2015 with XXXX XXXX XXXX XXXX, I have tried several times to get the duplicate removed, and also for them to supply the correct dates on this account. For some reason the date is never correct and the account is showing up twice on my report. 

Transunion account has also been changed to the current date. I have been trying to get these companies to supply the correct information since XXXX of last year and who ever is supplying the information continues to change it to fraudulent status 's and doubling the entries. This is harassment. 

As you can see from the attached letter the company XXXX XXXX XXXX XXXX never supplied this information to either company. 

Either remove the entries or get the dates correct this is harassment.