davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (FL)

my card was showing XXXX  message at the pump at XXXX  is is a logo card for the wholesale store and is a membership card and a credit card through comenity capital bank. I called the XXXX # on the card several times starting XX/XX/XXXX. They said it was a system issue and should be resolved. I called again on the XXXX and they said it will be resolved on the XXXX,,, i tried again and it still didnt work same XXXX message. Both times the attendant at the gas pump said i must not have paid my bill. Each time i call they sauy there is nothing they cand do. I asked to have a Super call me and instead had to wait XXXX minutes since they dont make outbound calls. I called again on the XXXX and was told there is nothing they can do, In the meantime, it cost me an add'l XXXX per gallon at the XXXX XXXXs pump and I have to use another card. I shouldn't have to pay a fee for this abuse. And they should make it up to me for the loos of time and money this inconvenience has caused. As i write the card is still not fixed. And they say don't worry you are not the only customer impacted there are lots... .this is unacceptable
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (NC)

PNC Bank. I was co-signed on a car loan for a vehicle that was totaled and covered by gap insurance. 
XXXX XXXX of the individual covered paid out in two installments. The first was {$37000.00} and the second was {$820000.00}. The total payout on the claim was {$45000.00}. The second payout of {$820000.00} was released XXXX. 
PNC Bank has reported me for a delinquent balance on a vehicle that was totaled and full covered by insurance including gap insurance which has been paid out to them. 

During the course of the loan, we had continued problems with PNC Bank sending out letters for notice of a late payment stating the payment due date was 10 days prior to the actual due date online. They would also send out late payment notices via mail regarding payments that had already been paid.
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (FL)

I called Chase again today to discuss how many fees they have assessed to my account, which since XX/XX/XXXX has been 12 fees total. That's {$400.00} in fees in one month. I am extremely frustrated. Their team keeps reiterating that they can't return any of the fees, but they also can't stop the automatic payments that are causing them. I opted opted out of overdraft protection. My card is supposed to be declined if I do not have the funds. I asked the customer service representative, " So you're telling me the only satisfactory way for me to have a relationship with Chase is to close my account or just never use my debit card for anything which is absurd, why even have it? '' She said, " Yes. '' So at this point, they haven't contacted me yet since the last consumer complaint, I just want the fees refunded and I want to close the account. I've never in my life had so many problems with one bank. They've also consistently informed me that there's no way for them to stop these automatic payments, but based on what I've read on the ConsumerFinance.Gov site that's not true. They just haven't been forward about telling me how to stop it which would mean putting a stop payment on each merchant. That's shady. They are not interested in helping their consumers.
Consumer complaint received 2022-10-24
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX/XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$270000.00}
Consumer complaint received 2022-05-12
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. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXXXXXXXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXXXXXX BANK Account # XXXX, XXXX XXXX BANK Account # 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
Consumer complaint received 2022-10-24
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: Shellpoint Partners, LLC (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$270000.00}
Consumer complaint received 2021-06-23
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. (TX)

I HAVE CONTACTED YOUR COMPANY TO GET THIS RESOLVED AND RECEIVED NO SOLUTION. 

UNDER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX, never gave any written consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. 

Concerning the following accounts below as a consumer, I'm demanding them to be DELETED from this account. 


XXXX  {$89.00} # XXXX XXXX XXXX XXXX {$710.00} # XXXX XXXX {$520.00} # XXXX XXXX XXXX XXXX {$1600.00} # XXXX XXXX XXXX XXXX {$700.00} # XXXX
Consumer complaint received 2022-12-20
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IL)

I accidentally over drafted my checking account. My Wells Fargo overdraft protection kicked in and transferred money from my savings account to my checking account. However, once this transfer happened, my savings account was now below the minimum daily balance amount, which means I could get charged a XXXX XXXX monthly service fee. However, I rectified the issue immediately. The same day this happened, I transferred more money into my savings account, bringing my balance above the minimum daily balance amount. To be clear, because I transferred the money so quickly, my account was below the minimum daily balance for only a few hours. By the end of the business day, my account was above the minimum daily balance. That means I shouldn't get hit with a service fee. 

But of course, Wells Fargo charged me a service fee anyway. When I called Wells Fargo to have this reversed, the agent on the phone listened to me explain what happened. She then used a tool that she called something along the lines of " the automated complaint resolution tool '', which offered to cut the fee in half. That was unacceptable. I confirmed with the agent that " minimum daily balance '' does in fact mean your balance has to be above that number at the END of the day and that I should have not been charged the fee for going below it for a few hours. Finally, she agreed to reverse the whole fee. 

I just read an article about the CFPB fining Wells Fargo for all kinds of misconduct including wrongfully charged fees. It says that Wells Fargo has stopped these practices. That's not true, and what happened to me proves it. With the number of customers Wells Fargo has, there's no way they manually check every account balance and have a human assess the fees. That means it wasn't human error that led to me being erroneously charged a fee. They have automated systems that are programmed to be super aggressive with charging fees. And this automated resolution tool is designed to not refund fees, even when they should be. My situation is resolved, but how many people is this happening to? A few XXXX a year? 

Details Overdraft protection transaction : {$1400.00} on XX/XX/2022 Me transferring in funds to get above the minimum daily balance : {$2400.00} on XX/XX/2022 Monthly service fee : {$10.00} XX/XX/2022
Consumer complaint received 2022-05-12
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2022 XXXX charges were posted to my XXXX XXXX  XXXX XXXX  ( Barclay XXXX XXXX ) These charges were for : {$99.00} {$100.00} {$120.00} XXXX reported these charges to them immediately. They reversed these charges and said they will be doing an investigation to make sure these charges were fraudulent. After their investigation they reversed XXXX of the XXXX charges and told me the charge for {$120.00} was a valid charge. I called the merchant myself and confirmed with the merchant that ALL charges were fraud. They emailed me documentation showing all XXXX charges were refunded back to my XXXX XXXX  XXXX. I called Barclay XXXX XXXX and they asked me to fax over these documents. I faxed these to them on XX/XX/2022. They still refuse to reverse the charge for {$120.00}. I have called and emailed Barclay XXXX XXXX SEVERAL times and they kept saying they were still investigating and it would take XXXX billing cycles for it show a credit. I emailed them again today and now they are telling me the {$120.00} charge is valid and it will not be reversed! 

I want the charge for {$120.00} plus the interest accrued refunded to my account immediately!
Consumer complaint received 2021-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

XXXX XXXX mortgage company is claiming " no payment received '' for XXXX 2021. I made the payment electronically through XXXX Bank, and have provided them copies of the payment receipt, provided them with the electronic payment number, and also emailed a copy of my monthly bank statement showing payment deducted.. 
I have been actively disputing this since XXXX, and have been charged late fees, penalties and never credited the payment to my account.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (DE)

To Whom It XXXX Concern Within Discover : Thank you for taking the time to review this correspondence. My name is XXXX XXXX and I am a satisfied customer of your financial institution. My purpose for this correspondence is in regards to the appearance of a late payment from your institution on my personal credit history. 

This remark is dated [ XXXX, 2022 ], and this is the remark made by your company. As stated above, I am very satisfied with my account with your institution, and as such have maintained regular use of it for purchases, and have made timely payments before this incident happened. My concerns regarding the presence of a late payment are that it may remain on my credit history for an extended period of time, and is causing damage to my credit report. This concerns me, as it may interfere with my ability to maximize on my credit potential, which may include opening another account with your fine institution. I am politely requesting that the late payment remark be removed from my credit history, with no adverse effect on the account to which it is attached. I trust that this correspondence and my request will be taken into consideration, as I've come to expect nothing but the highest level of customer service with Discover. I will continue to be an upstanding customer of Discover, as I view Discover as an upstanding financial institution and as the provider of my first credit card. I look forward to a long and prosperous working relationship with your company, and hope to have this matter resolved at your earliest convenience, to our mutual satisfaction. 

With sincere appreciation, XXXX XXXX
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (NV)

This is my XXXX endeavor in that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX AV XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX ( Original XXXX : XXXX XXXX AT XXXX XXXX XXXX  XXXX XXXX XXXX : {$5300.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX XXXX {$2600.00}, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-07-31
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. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3100.00}, {$20000.00}, {$5000.00}, {$16000.00}, {$15000.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have XXXX days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$10000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$3100.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$20000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$5000.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$16000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$15000.00} -This is not my account.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 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
Consumer complaint received 2022-05-12
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. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : 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.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, SXXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX # XXXX has Violated my rights.

15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A also States a consumer reporting agency Can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) 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
Consumer complaint received 2022-05-12
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. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXXXXXX XXXX Account Number : 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.
Consumer complaint received 2022-05-12
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. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : 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.