davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (AZ)

I am the consumer. I am the natural person who is protected by the US Constitution and State Constitutions. I am not an entity the State created, I AM THE BENEFICIARY to such trust. I am not a resident of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For He is my Creator. XXXX XXXX XXXX No weapon formed against you shall prosper, and every tongue which rises against you in judgment, You shall condemn. This is the heritage of the servants of the XXXX, and their righteousness is from me says the XXXX. This complaint is against US BANK, XXXX XXXX XXXXXXXX, XXXX, XXXX by me, XXXX : XXXX Date of Live Birth is XXXX XXXX  XXXX. US BANK has flagged a closed account in our name. We sold our house in XX/XX/XXXX. US Bank is alleging we voluntarily foreclosed on our home. US Bank and XXXX XXXX are making adjustments to unlawfully created accounts in our name. US BANK and XXXX XXXX  have made reports to consumer reporting agencies without our consent to do so, which caused adverse actions to both me and my husband. US Bank did not disclose these recent flags or changes to the accounts to us nor did they have our consent to report to ANY consumer reporting agency or make adjustments to any accounts in our name. US BANK and XXXX XXXX have unlawfully used our identification information to commit fraud violating 18 USC 1028 and 18 USC 1028A and15 USC 1681b ( 2 ) 15 USC 1365. 15 USC 1693l. 18 USC 1341, 1342,1343, 1345,1346, 1348, 1349, 1350, 1351. 26 USC 1031, 15 USC 1693h, 15 USC6821, 18 USC 2332b. They made reports on XX/XX/XXXX for the same reasons as this which caused the same adverse actions then too. This material misrepresentation is in attempt to defraud the United States and Internal Revenue Service as well as myself and my husband XXXX XXXX. In my most recent update from XXXX, my notifications showed US BANK flagged my account as bank adjustment/deed in lieu/Bank Liquidation. The deed was sold to Open Door to avoid the continuous harassments and abuse from US BANK and XXXX XXXX. The threats, harassments and abuse caused us personal injury to ourselves, our children and our personal property. US BANK and XXXX XXXX  listed us as tenants in their unlawful/Illegal contracts. We were not tenants nor did they have any lawful or legal right to possession of our private property. We owned our home. We extended credit to both US BANK and XXXX XXXX They deceived us but the proof is in the sale. The documents we retained to sell our home required signatures of the OWNERS, Myself and XXXX XXXX. The consumer reporting agencies failed to verify accuracy of the provided information before the adverse affect of lowering our credit score XXXX points both times. XXXX and XX/XX/XXXX. US BANK XXXX XXXX  XXXX XXXX XXXX are guilty of frauds and swindles, Identity theft, Aggravated identity theft, Failure to protect customer information of financial institutions and so much more.
Consumer complaint received 2022-07-23
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. (TN)

I asked XXXX to verify an account placed on my credit. The company 's name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount asking {$140.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C. 1681 604 A It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: CITIBANK, N.A. (CA)

I have formally disputed an account Citibank N.A. says I owe. The formal Dispute was never communicated or recorded as disputed on my credit report within 30 days as directed by the FCRA. I sent formal letter of dispute in XX/XX/2016. Citibank said account verified and sent an account statement. Credit report in XX/XX/XXXX still showed no dispute had been communicated to all XXXX CRAs. I informed them that the account was in error. They continued to report negatively to Credit Reporting agencies. I have since received a letter demanding payment from another company called XXXX A collection company. Even though the account has been disputed multiple times, and they have been told this account is not mine, they continued to report negatively and sold the debt as a factual account to XXXX. I have never had a Citi Costco Visa, nor have I ever applied for one. The only card I processed associated with Costco was an XXXX which was closed and paid as agreed.
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (WI)

I receive my social security funds directly into my DirectExpress account. There have been numerous fraudulent charges throughout my time with DirectExpress. I tried resolving but when they send me the paperwork it never is timely. They have a rule you have 10 business days to file your complaint from the time DirectExpress sends it through USP service. They gave me fax numbers that do not work, e-mail address that doesn't work and no physical address, just a P. O. Box address. I really would like to speak with someone regarding the amount of money I have been denied. The individuals working at DirectExpress are rude, I've been yelled at stating that their fax machines are working and that it's my fault. I just put a complaint on XX/XX/2022, through 2-day mail delivery to their XXXX XXXX to in XXXX XXXX XXXX TX. I had {$230.00} in fraudulent charges from XXXX in my XX/XX/2022 statement. I do not own or have XXXX products. This has happened prior to this many times. Always XXXX charges. All fraud. Email me please. After the charges I have nothing to buy food. Please help me. Thank you for your time.
Consumer complaint received 2020-04-19
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. (TN)

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, US BK XXXX COURT violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Transunion XXXX XXXX, Transunion 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 reported to Transunion that i applied for credit I never. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (VA)

American Express card was issued since XXXX through XXXX with no annual fee. Account converted to XXXX XXXX American Express card and no fee was charged at conversion. XXXX XXXX annual fee of {$95.00} charged but statement was put in incorrect XXXX. Called American Express the moment it arrived in XXXX. I asked that the potential to cancel/have refund of annual fee be considered. Was told it was escalated and to call back in XXXX7 days. Called back on XXXX/XXXX/XXXX and was told no annual fee was ever waived. Asked to cancel the card/pay remaining balance and have fee refunded. Was transferred to another area offering {$25.00} off. Asked to cancel card/pay remaining balance and was transferred multiple times and then was lost in the number punching. I did not ever request the conversion to XXXX XXXX, have never paid bill late or not in full, have excellent credit and would like the {$95.00} credited. Have ceased usage of the card. Will pay remaining balance minus {$95.00} and hope to have situation resolved. Not understanding why i should have to call back in multiple times vs. American Express reaching out to me. Could not answer my inquiries of when there was any advance communication of the fee to be charged. Have spent & gt ; 45 minutes on phone attempting to resolve a card that is used & lt ; $ 400 monthly and have not flown XXXX XXXX in years ( nor chose this conversion ). While some customer service representatives appeared to want to assist, appeared their hands were tied.
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

It's been a lot of difficulties in terms of depositing check with Ally bank. 
I deposited a check from my account in XXXX XXXX  worth {$230.00} on XXXX XX/XX/2022 well before XXXX EST. 
This is what mentioned on Ally bank 's website for this check deposit : We have information that indicates the check may not be paid. If the check is not paid, we'll notify you by mail. If the check you deposited is paid, we will refund any fees for overdrafts or returned checks that result solely from additional delays imposed by us. To receive a refund of these type fees, please call XXXX. We're available 24 hours a day, 7 days a week. 


Well Ally need to be very sure rather than speculate. Moreover I have been Ally bank customer for more than a decade then why can't ally notify me that something bad/negative is going to happen to my account? They have my email, phone # and everything. 

When I called for the other check- {$2700.00} which is for me and my spouse. I was told deposit it again in our joint account. I tried that but it was not allowed. I need to call 3rd time but there was no certainty in terms of what will happen to the previous check deposit-it will be accepted or not? It seems God  is running this bank and everybody in Ally bank is totally clueless in terms of what is going on? There is no seriousness in terms of Ally bank 's working. Customers are misguided. 

During last 4 days, I need to call Ally bank several times... hold times of more than 45 minutes and even after that substandard customer service. Right now I am on call with ally bank beyond midnight of my time.
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (MD)

I have a balance of XXXX plus dollars on my account and there should be a XXXX dollar balance currently as all transactions were fraud on the account since XX/XX/XXXX. I filed multiple claims multiple times but they never got back to me or recredited my account. I do n't even see credits from large fraud charges to merchant named XXXX. There are many more charges of all kinds that I have not received credit for even though I claimed them as fraud and the investigations are now all complete. I should get all my credits valuing to the amount of my current total balance. I can not even see the statements at this point thus I do n't even know what charges American Express is holding my liable for as of now that equals my total current balance. THis has already disrupted my credit report, so I also seek additional compensation for damages caused by them not changing my revolving my balance on time and having this account in bad standing for 6 months or more, for no reason, and I should not have to be responsible for such damage. If I knew AE would have such poor response rate and fix to fraud charges, I would not have signed up for this credit card. I am even a preferred card member where I pay an extra XXXX dollars a year. They should treat me better than this. This is my third complaint against AE now using this CFPB service. They still have not done anything.
Consumer complaint received 2016-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (PA)

My mortgage company claims to be missing a mortgage payment from XXXX 2015 that was withdrawn from my account {$1500.00} on XXXX XXXX, 2015, I also made a payment of {$3100.00}, on XXXX/XXXX/2015, although I was behind those XXXX payments would have had me caught up on my mortgage. I called to place and investigation and no one ever got to back to me, I have been having problems with this mortgage servicer ever since my mortgage was sold from XXXX XXXX XXXX
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

I have an account with Macy 's ending in XXXX. I made a {$40.00} purchase 3 months ago, I did not receive a statement and missed the payment, however, I paid off the {$40.00} in full by phone the following month ; I was told by the rep. they would reverse the late fee and interest. did not subsequently use the card. I did not receive a statement for the next 2 months, although I do not have online access to statements and I had requested a statement 3 times by phone. This month, XX/XX/2022, my credit rating dropped over XXXX points because Macys ' turned over a {$2.00} interest fee to the credit bureau. Because I had not received the statement I had requested by phone and because I do not have online access I had no way to know they had charged {$2.00} in interest. When it came to my attention I phoned their credit department and had the {$2.00} interest fee reversed. However, my credit rating is still XXXX points lower since they reported to the bureau.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) account reported as delinquent should be reported as Paid-in-full or closed. A Deed in lieu of foreclosure was returned to them XX/XX/XXXX to satisfy debt on a timeshare purchase. Although they have the property back, they continue to invoice monthly and report a delinquency to your bureau. 
It is my understanding that the Deed in lieu of foreclosure returned the property to them and paid the debt. This is what they asked me to do in XXXX when they sent me the paperwork to be signed. Yet, this is reported monthly to Experian as a delinquent account. I filed a ( 2 ) complaints and asked Experian to investigate this. My credit file with Experian still contains this negative information as of XX/XX/XXXX.
Consumer complaint received 2022-11-13
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. (TX)

It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.
Consumer complaint received 2022-07-23
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. (WA)

these accounts have all been removed from my XXXX credit reporting account I would like XXXX, and Equifax to do the same for the following accounts XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX AccountXXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

XXXX5 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, XXXX, or harass any person at the called number.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I would like to file a complaint against XXXX, XXXX and Equifax Credit reporting agencies, I have been communicating with them via fax, mail, phone call for the past months ( since XX/XX/2019 ) to have my credit report corrected and delete what was not supposed to be my account since I was a victim of identity theft. I submitted to them a copy of the police report and all the attachments, Equifax has not deleted the information that needs to be corrected inspite of my repeated request of investigations and update of my credit report. I am an XXXX XXXX or XXXX XXXX  and I have been having difficulty getting a business loan or any personal loans especially with this COVID 19 pandemic which I need to get a business loan and can't get any approval from anyone because Equifax is not giving me the right information on my credit profile. XXXX is saying that I currently have no positive score or credit established to give me a score. I am XXXX fico score with XXXX. Equifax at one time last year reported me as DECEASED and after I called and send them letter for months is the only time they corrected it. Some creditors have told me that they already sent a deletion of the negative information due to identity theft but XXXX and Equifax is not doing what they are suppose to be doing. I have established 4 years of car loan with XXXX, I have XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX which I have almost 2 years now with a good payment history and yet XXXX is saying I don't have a positive credit history. Please help me with this problem as I have been dealing with them for a year and one time used a credit repair agency to help me I have paid almost XXXX to help me but the credit reporting agencies have not done anything to resolve the problem. Aside from these 3 credit bureaus, the creditors that I want to file a complain is XXXX XXXX, XXXX XXXX, and the XXXX XXXX XXXX. Thank you so much for your attention regarding this request. I am hoping to hear from you and your assistance with this matter is highly appreciated. Be blessed!
Consumer complaint received 2022-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (SC)

I had received a XXXX transaction from my mother. All my XXXX transactions are set to go to a savings account. The money was sent to another account that was currently in negatives and which was not set up to receive any XXXX transactions. 

I spoke with a representative that looked at the account. They started with telling me that it was not sent to the correct account due to my XXXX not being set up correctly. I said that it was correctly set up and gave them the account number. They checked and said I was correct. 

They then said it was due to my mother sending it as a bank-to-bank transfer as she has another bank. My mother also has a Wells Fargo account and has previously sent XXXX transactions to the correct account. They took a moment and said that they could see it was a Wells Fargo account. 

I told them that WellsFargo had even sent me a notice saying I received money via XXXX. The representative said that it was not accurate due to this being a bank-to-bank transaction. I reminded them that she was also a Wells Fargo customer. They told me that her account must have not been set up correctly and that I would have to add my account to her XXXX with my bank account number. 

I asked why the last transactions worked but this one did not. The representative said that it was because the XXXX was not set up correctly. They could not explain the difference and why it was different from before. XXXX on Wells Fargo 's app only allows us to add others using a phone number or email. 

Customer service sounded annoyed and was incredibly unhelpful. They tried to give me solutions that were not relevant and attempted to ignore all the information in order to end the call. There was no solution and they could not provide an answer as to why WellsFargo did not properly make the transaction.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Payoff process — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

Tried to utilize a debt consolidation company ; things got worse. Filed for bankruptcy and had to voluntarily dismiss due to high IRS debt that ex husband was paying his half. 

Reached out to Portfolio Recovery to offer $ XXXX month payment and also have collection status come off of credit report.
Consumer complaint received 2016-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TN)

This debt is not mine Midland funding states that I owe them {$4200.00}. I never set up an account with XXXX XXXX Bank. Please call them and have it removed from my XXXX and XXXX reports.