davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On Friday XX/XX/XXXX I went to the Wells Fargo branch in XXXX XXXX, CA XXXX XXXX XXXX to deposit, into my checking account, {$900.00} cash ( in {$100.00} bills ). I do not have the receipt or might have lost it since then.

After recieving my monthly statement & noticing the {$900.00} cash deposit missing I contacted the Wells Fargo fraud department earlier this week to open a claim ( claim # XXXX ) & complaint but very little was done & they are giving me the run around - truely not caring or being concerned about this situation.

Can you help get this issue back on track? Maybe have Wells fargo contact their branch to investigate, lo

ok at their branch records & even review their video tapes on that day - that would cleary see me doing a deposit. I have been a truster client of Wells Fa
rgo since XX/XX/XXXX & I am ashamed on how they are treating me. This event will make rethink the future on my money at Wells Fargo Regards XXXX XXXX
Consumer complaint received 2017-03-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CO)

Equifax has not responded according to the Federal Law. They say they are only a repository and do not have to have to investigate information that is being reported by a creditor. They refuse to delete outdated information and i want them fined. They are not above the law. They disputed my information with CFPB on XX/XX/2017 and they think that is enough. I again submitted a complaint that CFPB says they are working on this but there has been no response by Equifax. They continue to report outdated and non-verified information on my credit file. They are LEGALLY responsible to delete outdated and non-verified information. I AM DISGUSTED WITH ALL OF THE GOVERNMENT AGENCIES AND THE CREDIT BUREAUS WHO BY THE WAY ARE A " FOR PROFIT ORGANIZATION. '' IT IS UP TO THE CREDIT BUREAU TO REPORT ACCURATE AND VERIFIABLE INFORMATION. WHY AS CONSUMERS DO WE HAVE TO FIGHT FOR OUR LEGAL RIGHTS!!!!!!!!! THEY CONTINUE TO NOT SEND ME A FULL CREDIT REPORT. I WANT A FULL CREDIT REPORT AND NOT SOME STUPID PAPER ASKING ME TO REQUEST MY CREDIT REPORT VIA THEIR FORM. SEND ME A FULL CREDIT REPORT AND I MEAN IT!!!!!!!!!
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

On this day of XX/XX/19 i learned that my credit had been pulled 3x for auto loan, XXXX  XXXX, XXXX, & XXXX XXXX. They're not reflected on all my reports. i simply want the accounts & or inquiries off of my report.
Consumer complaint received 2022-01-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have sent multiple emails to the CEO of this company informing them that my late payments were due to me being Furloughed from my job back in 2020 due to COVID 19. I have called and spoken with the supervisors to see what can be done. I was inquiring about getting them removed since this was out of my control. The late payments are for XXXX XXXX and XXXX of 2020. I was furloughed in XX/XX/2020.
Consumer complaint received 2022-08-18
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. (IL)

Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (OK)

My complaint may seem silly to some people but, to me, it's serious and I can't get any help with it or even any acknowledgment that anybody has read it, and certainly no acknowledgement that anybody cares. 

It involves Banks and Credit Cards and phones. 

I can not use a phone. 

Specifically my complaint is with : # XXXX XXXX XXXX XXXX and their XXXX credit card ; Background : I opened a credit card account, without using a phone, via internet, approximately a year ago. I was satisfied with the credit card rules, regulations, fees, charges and internet operation until about XXXX months ago. At that time, for no reason, I was denied access to my internet credit card account. 

Every since then whenever I attempt to log into my account I enter the exact same information I opened the account with, { the same information I used for several months before they started this new XXXX } and I get this : " we can not verify your information. call this number or log into your account and send a secure email '' I have wasted several hours trying to find a way to contact somebody connected with my internet account and the best I have found is : call this number or log into your account and send a secure email. 

Through no fault of mine, I can not use a phone. 
I opened the account with out using a phone. 
I can not get access to my account with out using a phone. 
I can no longer use the credit card but they continue taking money from my checking account monthly, and I can not stop it. 
I can not even close the credit card account without using a phone. 

I repeat : I can not use a phone.
Consumer complaint received 2022-08-18
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (MI)

On XX/XX/XXXX I initiated an electronic payment which my bank indicated would arrive to my lending institution on XX/XX/XXXX. This was the date I intended the payment to arrive. My statement cut off date was XX/XX/XXXX. I wanted this payment to be applied to the XX/XX/XXXX statement. 

When I received my statement dated XX/XX/XXXX it did not reflect my payment of {$320.00} which was scheduled to arrive on XX/XX/XXXX. So I did not believe anything was amiss. 

On XX/XX/XXXX I received an email from Wells Fargo which stated : " We wanted to remind you that your payment for your WELLS FARGO XXXX XXXX ending in XXXX  is due today : XX/XX/XXXX. As of XXXX XXXX  PST, the minimum payment due has not been scheduled or received. '' I immediately called them and told them over the phone that I had sent a payment of {$320.00} and that my bank showed they had received the payment. They told me that my payment of {$320.00} was actually received on XX/XX/XXXX and had been applied to the XX/XX/XXXX statement, thereby creating a double payment for that statement and no payment for the XX/XX/XXXX statement. 

I told them that was incorrect and requested they needed to fix it. 

I was assured on the phone that they would fix this and that I would not be charged a late fee and also that my 0 % interest status would not be forfeited by this " late payment. '' Today I received my XX/XX/XXXX credit card statement in the mail and it showed my account past due. It showed my timely payment for {$320.00} dated XX/XX/XXXX. I was charged a late payment fee of {$29.00}. 

When I print " recent activity '' on their website it shows the last payment was received on XX/XX/XXXX. It does not show the payment I made yesterday on XX/XX/XXXX. The XX/XX/XXXX statement does not reflect the payment, but the XX/XX/XXXX statement does reflect the payment.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (TN)

I opened a new checking account with US Bank in XXXX of 2022. I have been an existing checking account holder for 15 years. I received a promotional email to open a new checking account, set up direct deposit and receive a certain amount back {$200.00} or {$400.00} depending on the amount of direct deposits within the 90 days. I called to verify before opening the account that was eligible since I already had a checking account. I opened the account. Met all requirements. I called XX/XX/XXXX to verify. Spoke with 2 different agents and was told I met all requirements and the promotional cash back should be in my account within 3 to 5 business days. I opened a chat this morning and was told I was not eligible because I already had an account open. I asked why I received the promotional email in the first place. No answer. I explained that I had verified before opening the account. No response. The agent I spoke with had no recourse on anything that I could do. This is unacceptable and I believe they wanted another open account to charge monthly fees. The misinformation is also not acceptable because I should be able to trust what any representative tells me, especially for the institution that handles all of my income.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (OK)

Wells Fargo sent me a free intrest for 18 months application. I responded with a request for XXXX plus to pay XXXX who were charging me intrest on that amount..Wells Fargo turned down my application and I assumed that was the end of it. Two weeks later I recieved a bill from Wells for XXXX plus that they said I agreed to and this went to XXXX. I agreed to nothing in regards to Wells and was surprised they did this. I spoke to a Wells person a few weeks back and she suggested I contact XXXX and request the funds that Wells sent them back to me. I find this not the proper way to do this.I have good credit and dont want this to damage it. Wells Fargo is dishonest with these tactics.
Consumer complaint received 2018-12-21
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. (FL)

It evidently does not matter how many times I open a report it NEVER gets resolved! Access to reports via on line or telephone just does not work. Example- even though reported XXXX still does not have my correct telephone number and even though I have reported and repaired the number multiple times. Equifax is on a planet by themselves. You try getting through as a citizen. My last complaint asked for a written clarification these entities do NOT use off shore out of country organizations to service our confidential information- we did not get that- even when I called and got someone off shore who stated they could help me with my account issues. So much for security!
Consumer complaint received 2022-08-18
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-08-18
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: CITIBANK, N.A. (FL)

n accordance with the Fair Credit Reporting act 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 a account without my written instructions CBNA account 426938
Consumer complaint received 2022-07-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WI)

In XXXX, I made an online money transfer to XXXX through the MoneyGram services to help a family member in need, but the fund was not delivered as promised. My account was canceled without any explanation. Reference Number : XXXX In XXXX XXXX  I transferred funds to XXXX to support my mother through MoneyGram Services. Unfortunately, the fund was not delivered as promised. My account was canceled without explanation. ( See the attached transaction Receipt )
Consumer complaint received 2021-07-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (TN)

I submitted a request to FirstMark Student Loans to complete a form for my employer to verify how much I have paid on my loan for the past year for reimbursement purposes. It has been over 30 days and despite multiple assurances it has been expedited, I still have not received the completed form.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (VA)

The information reported by following creditors and collection agencies in my credit reports are incorrect. I tried to contact them and they are taking time to remove - SEARS/CBNA # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-08-18
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. (GA)

I'm currently having an issue with XXXX, XXXX and Equifax reporting accounts on my credit that I did not consent to be reported. According Federal Credit Reporting Act Rule 604-permissible purpose of consumer reports. '' the consumer shall have consented, orally, in writing, or electronically. I did not consent or agree with the companies listed below to report any of my information to the credit bureaus. 
XXXX XXXX XXXX XXXX acct no. XXXX -XXXX XXXX XXXX XXXX acct no. XXXX -XXXX XXXXXXXX XXXX XXXXXXXX XXXX  ACCT NO XXXX XXXX -XXXX XXXX XXXX ACCT NO XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT NOXXXX These companies listed above are violating my rights as a consumer.
Consumer complaint received 2022-08-18
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. (FL)

I want to report fraud by XXXX, EQUIFAX, XXXX. I'm tired of being violated by these consumer reporting agencies. I'm protected by consumer laws. I see things on my consumer report that shouldn't be displayed because I never gave them consent to show my private information. I am the original creditor.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

I have a paypal mastercard ( card ending XXXX ) with synchrony bank, on XX/XX/2021 I tried calling synchrony bank on phone number XXXX to speak to a supervisor in regards to a problem that I have been having for months. I have tried calling synchrony bank multiple times in the past for clarity on this problem and possibly to have the problem resolved. My problem is that I only have one bank account associated with my account with synchrony that I do not use and can not make payments with. Everytime I clicked the button 'Add bank ' to add a new bank account on their website ( https : //www.syf.com ) for my account to make payments with, it redirects me to a webpage that says " there is a problem with the information you provided. please go back and try again. ". I received the same error message when I tried on the XXXX browser ( for pc ), XXXX  ( for pc ), XXXX ( for android ) and the app. I called synchrony bank and asked for a supervisor and was told to wait on hold multiple times for an unreasonable amount of time before either I chose to hang up, I was disconnected or ( eventually ) told that no supervisor was available to speak to and to try calling back another day. I ended up calling synchrony bank 8 times on XX/XX/2021 trying to reach a supervisor and was unable to do so. I personally felt like the staff was disrespectful and was deliberately not allowing me to speak to a supervisor.
Consumer complaint received 2022-09-22
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: LEXISNEXIS (CO)

On XX/XX/2022 I received a letter captioned LexisNexis, informing me that [ 1 ] report ( s ) of negative information added to your file. This letter instructed me to access : XXXX XXXX XXXX and after reviewing the information requested they claimed I would receive a US Mail letter with additional information explaining how to access this negative information electronically. On XX/XX/2022 I mailed a complaint letter to LexisNexis denying any knowledge of any negative information, stating never being aware that I even had an account in my name and wondering if this could be some sort of phishing fraud. By copy of this letter I requested the Colorado Attorney Generals ' office to verify if this was indeed a scam of some sort. The Attorney Generals office replied in todays mail, stating they would keep my information on file and referred me to your good offices. Since there has been no response from LexisNexis to-date, I am concluding more strongly that this is some sort of scam or fraudulent attempt to obtain personal information about me.
Consumer complaint received 2022-08-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.