davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AL)

I settled in full an account with Wells Fargo on XX/XX/2019. I'm trying to buy a house and my loan agent is helping me work on my credit scores with XXXX, XXXX and XXXX. In order to get the status of my account updated, I requested a letter from Wells Fargo stating my account was settled in full and that no other monies were expected from me. Wells Fargo sent a letter that stated they had received my payment of {$2200.00} on XX/XX/2019 to satisfy the balance for my account and that I do not need to make any more payments. However, in the next section of the letter, it states " In accepting this settlement we intend to discontinue collections. Upon receipt of valid funds, we will update our records to indicate the account is settled. '' ... 

The problem is the clause " Upon receipt of valid funds ''. There are several problems with this clause. ( 1 ) This clause contradicts the above paragraph where it states they received my payment to satisfy the balance for my account. ( 2 ). It is misleading and completely incorrect. They have received my funds. My funds were valid. The funds were withdrawn from my account. The funds were placed in Wells Fargo 's account. The credit agencies will not use this letter to update my credit report because of this one clause. 

I spent most of last week on the phone with them trying to get the letter sent. Finally someone told me it was system generated and COULD NOT BE CHANGED ( even though I pointed the above issues out to them. They sent me to their legal department and XXXX XXXX ( XXXX ext XXXX ) agreed with me and tried to get a letter generated that left out that one clause. Wells Fargo denied him. He spoke with 3 different departments and received the same answer. 

Then I asked if I could authorize any representative from XXXX, XXXX, and XXXX to have access to my account. I was told yes by XXXX in the recovery department and I was told yes by XXXX XXXX XXXX, today, when my mortgage lender said the credit agency called but were denied, I called Wells Fargo back. XXXX @ XXXX said they needed a named representative from each agency. This is completely different than what I was told yesterday. Additionally, I asked XXXX XXXX to file a complaint regarding the wording of the letter and recommended it being changed because of the reasons stated above. 

I've asked for my account status to be updated to the credit agencies and was denied because Wells Fargo says they will update the agencies after 45 days. 

I have used 2 weeks of the house buying process trying to get something.. anything from Wells Fargo stating that I settled the account in full to no avail. I'm running out of time. 

I'm not asking for a letter saying its paid in full. I know I settled. I'm not asking for anything other than the current status of my account which is settled in full with a {$0.00} balance.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

XXXX my FICO score dropped from XXXX to XXXX with out any intelligent reason. I am one of the few people that continue to pay my bills on time during this pandemic. My credit is stellar. I have over XXXX in liquid assets. Playing with credit scores is a criminal act. Please get your act together or I will be filing a civil lawsuit.
Consumer complaint received 2020-06-06
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: ID Analytics, Inc. (MO)

My name is XXXX XXXX and I have been a victim of identity theft. There are accounts on my credit report that is wrong and that was not opened by me. My credit information was stolen and someone took my social security card and personal information and opened up accounts. 

My social security number is XXXX. 
My date of birth is XX/XX/XXXXI want to dispute all information on my credit reports.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OH)

I was promised XXXX XXXX XXXX bonus miles for opening a savings acct and keeping {$10000.00} in there for 60 days. They promised they would pay the XXXX XXXX bonus miles within 90 days after the requirements were met of having {$10000.00} balance for 60 days. We are beyond that date threshold and the miles bonus is still not paid. 

This is deceptive and abusive approach for Citi to entice consumers to open accts with the promise of bonuses but not pay them as advertised using their disclosure. 

opened account with required minimum {$10000.00} on XX/XX/XXXX and kept balance for 60 days. 
The bonus should have been paid by 90 days or by today XX/XX/2021 and it has not. Citi bank does not seem to care that they have not met their disclosed timeframe to me and are saying for me to just wait. 
this is bad for consumers. They have been doing this to a lot of people and they should be penalized with UDAAP civil money penalties for consistently violating fair and accurate advertising to garner deposits with the lure of bonus $ or miles only to ave the consumer have to fight to get the bonus paid. 

Please have them deposit the promised XXXX bonus miles into my XXXX XXXX Acct thanks XXXX XXXX XXXX
Consumer complaint received 2022-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A person who maybe have fake name and fake XXXX  account called XXXX and also a fake XXXX account under XXXX Was able to fraud and scam me and several of my friends In her XXXX account you will be able to see that she scammed XXXX XXXX people so far She was able by sending a links to hack my bank and transfer the amount of XXXX $ and that all what was in my bank in that time That person used XXXX application that was inside my bank account While XXXX was never authorized to be in my bank my bank is Bank of America i tried to call them and solve the problem with them several times and everytime they will file a case and let me wait for almost a month before they will answer that they decline my complainand they cant refund the money since XXXX is insecure and cant access the scammers account My bank was suppose to be secured bank and not allowing fake people to fraud us and steal our money Last final call was made today to BOFA and after 1 hour in the phone they end telling me we cant help you and you can close your bank account if you want and file a police report or FBI report More information and proves and pictureand phone numbers of the scammer and phone numbers of other victim of the same scammer i can provide when requested by you Thanks
Consumer complaint received 2021-07-28
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. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I was denied a banking, The bank said it was due to my XXXX XXXX Report ... I requested the XXXX REPORT AND FOUND 3 different bank accounts open with balances and Judgments that were not mine due to Identity Theft. I want this removed from my XXXX  Report it is causing me financial issues. I've placed a fraud alert on my credit report, and contacted the FTC.Gov. Please Remove this information immediately and send results to the address on this report I will be giving. ASAP. Thanks
Consumer complaint received 2021-08-03
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)

There is a debt on my credit report that is no longer owed to the original creditor. I have submitted written disputes several times directly to the credit bureau, but Equifax has not made efforts to correct the inaccurate information. The debt with the original creditor ( XXXX XXXX XXXX XXXX ) of {$18000.00} was transferred as of XX/XX/2018 per XXXX 's statements to me. Despite XXXX stating they no longer have the account, they have continued to report 90+ Days Late day delinquencies and the full balance of {$18000.00} as due for 39, going on 40 months now, after they have no longer owned the debt. I do not know who owns the debt. XXXX says the collection company does ; however, they continue to report to the credit bureaus that I owe them directly. I can not and do not owe the same debt twice to both XXXX and a collection company. My written disputes have not been responded to by XXXX or Equifax. They have been submitted numerous times over the past several years.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NJ)

I am permanent XXXX XXXXXXXX person, I have SSA and Medicare coverage, I was forced NOT voluntarily to the Hospital. They must bill Medicare, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX  {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On XXXXcalled Chase Bank to enter in a fraud claim for a moving truck company, XXXX XXXX XXXX  ( fraud claim number XXXX ) and spoke with XXXX. Explained XXXX XXXX  company never sent a bill and kept trying to charge my checking account for different amounts that was outside the parameters of the signed agreement. XXXX informed me that the overdraft amount and fee would be reversed. Also requested that the debit card be closed to prevent any future charges until the vendor and I could come to terms of agreement. On XX/XX/24, called back to Chase and spoke with XXXX who confirmed that my account has been closed and debited by XXXX XXXX for over {$2000.00}. Never received any follow up correspondence from Chase or XXXX XXXX. Chase called weeks later informed my account is in the overdrawn state and closed out. Unable to resolve as I never authorized this from the vendor and the vendor never presented final bill when asked.
Consumer complaint received 2021-07-28
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. (GA)

ALL 3 " CRA '' FAIL TO SEND UPDATE REPORT UPON WRITEN REQUEST SENT OVER 45 DAYS AND STILL HAVE NOT RECEIVED REPORTS AND RAPID RE-SCORE
Consumer complaint received 2021-06-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (AL)

This company violated the fdcpa by repeatedly calling me after I stated that all communication should be done via mail. I have also received calls from family and friends that Ally Financial has called and texted them numerous times about an alleged debt owed. This is not only a violation of the law on my behalf, but also on my family and friends behalf too. In order for Ally to furnish information to credit reporting agencies they need my permission and validation of the debt. I do not own any debt. Debt is an obligation therefore this debt is not my obligation and the alleged amount owed is null and void. Only the consumer can validate a debt, I am the consumer and deny all allegations of debt owed by me to Ally and demand that my credit report reflect such. 15 usc 1681 ( b ) states If the transaction being reported on a consumer report is not a consumer credit transaction, it can only be reported with permission from the consumer 15 usc 1681b ( c ) ( 1b ) ( iii ) states a consumer has the right to privacy and can ELECT to have his name, address, and any other information excluded from a consumer report. I ( the natural person ) didn't initiate any transaction, the corporation/organization initiated the transaction.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: ClearOne Advantage, LLC (CA)

I had a debt consolidation program but I was confused about the program because I read on this site that you had a number of problems over the years about these companies, but I had to get rid of the company because it was just a slow process and before they payoff the companies that were in the program they would take payments out of my checking account, I BELIEVE THEY TOOK OUT XXXX EVERY TWO WEEKS? AND I STILL GOT ABUSED BY THE CREDITORS I HAD BECAUSE IT WAS MONTHS AND THEY DIDNT EVEN CONTACT CERTAIN COMPANIES? AND THEY WOULD MAKE DEALS WITH SOME OF THE COMPANIES FOR A SETTEMENT? BUT THEY DID IT WITH 2 COMPANIES AND THEY DIDNT ASK ME TO BE INVOLVED? 1 TIME THEY WANTED ME TO BE INVOLVED BUT IT CONFUSED ME? BUT THEY DONT PAY THE SETTLEMENT I BELEIVE WITH THERE MONEY FIRST, THEY JUST GIVE THEM MONEY THAT COMES OUT OF MY CHECKING ACCOUNT? IS THIS LEGAL? AND MAKING DEALS AND THEM TELLING ME HOW IT WORKED OUT AND FOR HOW MUCH?
Consumer complaint received 2021-09-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (NC)

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NV)

Repeated phone calls as early as XXXX. I have told them the person they are calling for is not at my number. The person they are calling for lives in another state. I have received 5 calls since XX/XX/22, I dont know how many before that, thats as far back as my call history shows. I blocked their number and they call from a different number. I will not give them information on the person they are calling for and Ive told them so. 

Call history XX/XX/22 @ XXXX XX/XX/22 @ XXXX XX/XX/22 @ XXXX XX/XX/22 @ XXXX XX/XX/22 @ XXXX Caller ID shows Midland Credit An internet search shows they are a debt collection service in XXXX XXXX, CA.
Consumer complaint received 2021-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

I have been on a journey of striving to rebuild my credit and I requested my credit report. There is where I found the debt for XXXX XXXXXXXX XXXX. I reached out to them because I have never been treated at the hospital or used ambulatory services for the hospital in question or ridden the ambulance. When I called to question the company about the debt they made it very clear that this debt was not made by me nor did I sign anything to be treated in there facilities. They said someone else could have given them my information such as, my child or family member and when I did not respond to a letter sent to an address that I havent resided in over a decade. The debt became mine. This is absolutely against the law. Please help!
Consumer complaint received 2022-10-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (IL)

Hello, I am trying to get the XXXX required minimum distribution for my mother which I am POA before this tax year ends. 

I have faxed the IRA Distribution form in XXXX and XX/XX/XXXX. Called on XX/XX/XXXX to follow up, and they stated it has not been received. In order to get it processed I have to go to a branch, I visited the branch XX/XX/XXXX and they would not process the request. 

This has been an on-going problem since XX/XX/XXXX. US Bank will not create a file for me for identification purposes. They will not save the POA documentation on file or my ID, so I have to go through this time-consuming, back and forth with no results process each year. 

I followed the instructions last year to get this year 's distribution with no success. If US Bank processed the required minimum distribution last year then I do not understand why it can't be done this year by the same POA presenting all the necessary documentation. 

Thank you for your time!
Consumer complaint received 2021-09-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Balance : {$2100.00} Account Name : XXXX ( XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, XXXX Balance : {$330.00}, {$160.00} For one, I have disputed these three accounts with the credit bureaus since XXXX of 2021, and have not gotten any response about how the accounts are verified and validated. These accounts are not reporting consistently and therefore I am using my rights to dispute if I find any incorrect and unverifiable items on my credit report.

For two, I have disputed the accounts directly with the original creditors and found that they haven't received any communication from the credit bureaus about a re-investigation. I am fixing my credit because I am trying to get approved for a loan. I did all that I could to get the bureaus to respond to my disputes with proof of the validity of the information reported on each account but I feel like my efforts are wasted.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I keep receiving a collections from XXXX XXXX FKA XXXX XXXX XXXX XXXX  regarding some bank overdraft fees. Accts. : XXXX $ XXXX {$110.00} The last collections came from Transworld Systems XXXX Inc ( TWI ) their files XXXX XXXX and XXXX XXXX. 

I have requested the proof of debt which I received from TWI on XX/XX/2021. Upon examing the proof of debt, I found out the person who opened and used the bank account had the same name as I, but absolutely a different person. Further, the address provided on both bank accounts was never my address. On XX/XX/2021 I sent a certified mail to TWI explaining this debt was not mine and to a cease and desit any communication with me unlex they could actually prove that I was the one who opened and use those 2 bank accounts. 
For my dismay, yesterday, I received another collections letter from TWI. 

This situation seems to be their modus operandis, where they keep harrassing law abiding citizens violation their FDCPA rigths. 

I want the bank to cease and desist this collection effort together with TWI and or any other collections agency. 
If the resolution is not satisfatory, I will pursue the matter legally. 
I sincerely hope you can help me resolve this matter cleaning my credit and good name. 
Thank you, XXXX XXXX
Consumer complaint received 2021-07-27
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: JPMORGAN CHASE & CO. (CA)

I called Chase on XX/XX/2021 around XXXX XXXX  to let them know that the hotel that we were supposed to check in at XXXX  XXXX XXXX, XXXX XXXX, CA, and surprisingly even though we had a confirmed reservation booked way in advance they did not have any available rooms for us and we had to cancel our vacation. Chase travel representative never tried to help me out and always kept me on hold without providing any actual information. 

I was on a call with Chase travel support on XXXX XXXX XXXX and XXXX. Each time they said that they will compensate by giving XXXX points and because of the inconvenience caused and one free night at the hotel. They used to keep me on hold for more than an hour and were very irresponsible with how they managed the entire situation. They always used to call the hotel and were never able to get hold of the hotel manager. Chase agreed that they signed the contract with XXXX XXXX XXXX, XXXX XXXX, CA. There should be some accountability here and we should be thoroughly compensated for wasting our time and resources. 

Our itinerary number from Chase travel is XXXX. 
Case reference numbers with Chase : XXXX, XXXX, XXXX Chase agents we talked to : 1. XXXX ( employee id : XXXX ) 2. XXXX ( employee id XXXX )
Consumer complaint received 2019-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I opened a Wells Fargo Business Checking Account on XX/XX/2018  with the promotion of gettig {$300.00} if I deposit {$1000.00} in the account and complete all the qualifying acitivies which I did. I was supposed to get the money by the 60th Day. I have completed all the qualifying and should be getting my money which I haven't go till yet. Please look into this.