davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

To Whom It May Concern, I am writing to file a formal complaint against Wells Fargo regarding the sudden closure of both my personal and business accounts without prior notice or clear justification, leading to significant inconvenience and financial distress. My accounts have been in good standing for nearly a decade, making this action both unexpected and unwarranted. 

Despite my attempts to resolve this matter directly with the bank, including multiple visits to their branches and attempts to communicate via other channels, I have not received a satisfactory explanation for the closures. Furthermore, Wells Fargo has failed to return the funds from my accounts, which they claim to have mailed to an address in New York. I have not received any such mail, including the alleged checks, at my registered address. 

The situation escalated when I visited a Wells Fargo branch in California for notarization and verification purposes, as per their request. Shortly after confirming my presence out of state, my accounts were abruptly closed, indicating a potential misinterpretation of my situation or malicious intent. 

Given the lack of communication and transparency from Wells Fargo, I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter. I believe that Wells Fargo has not only violated my rights as a consumer but also failed to adhere to proper banking practices and procedures. 

I request your intervention to ensure the prompt return of my funds and to hold Wells Fargo accountable for their actions. Enclosed are the details of my accounts, records of my attempts to communicate with Wells Fargo, and any other documentation relevant to this case. 

Additionally, I wish to address a separate but equally pressing issue regarding customer claims filed for non-receipt or receipt of damaged goods. Despite our customers submitting legitimate claims as per the bank 's policies, Wells Fargo has consistently failed to process these claims in a timely manner or refund the amounts due. This negligence has not only affected our reputation but also resulted in financial losses for our business. We urgently request the CFPB 's assistance to ensure these claims are reviewed and resolved fairly, and that any funds owed are promptly returned to us. 

Thank you for your attention to this urgent matter. I am available to provide further information as needed and look forward to your support in resolving this issue. 

Sincerely, XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (OR)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED XXXX XXXX. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : BARCLAYS BANK DELAWARE Account Number : XXXX
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have filed a dispute to XXXX XXXX in the middle of XXXX because I have late payments on my credit score from the beginning of the covid pandemic. Those late payments were not suppose to hit my credit report. XXXX XXXX had a relief program at the during the first 10 months of the year in which I signed a document stating that the months would go towards the end of the loan-term period. However, I am still seeing the late payments from the deferred period and this is impacting my payment history.
Consumer complaint received 2021-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NJ)

Westlake has not updated a paid load from XXXX XXXX  XXXX insurance comp. 
the car was totaled and paid off by insurance company by Westlake has yet to show paid and i continue to get calls, when i call to speak to westlake i get out of the country customer service and they do not understand XXXX
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/year>, I called AMEX customer service and spoke with three representatives. I was seeking to cancel my account and enter a payment arrangement. I was informed that the payment arrangement offered was not negotiable. I attempted to negotiate ( the offer from AMEX was to make payments for 48 months at 9.9 % interest rate ; I accepted the interest rate, and requested 60 or 72 months as the term, to no avail ), and was somewhat abrasive, and perhaps even rude with customer service reps. Ultimately, after speaking with XXXX, who gave a Rep ID of XXXX, I relented and attempted to accept the offer that was initially made to me. At that point, I was informed for the first time that the system was down, and that I would not be permitted to enroll in the payment plan at this time. I asked what was wrong, and whether the system was actually unable to enroll me in the plan. XXXX responded that the system was accepting enrollments, but that it was having " trouble '' ( which was never elaborated on in a meaningful way ) processing payments. I informed him that despite the risks, I was more comfortable proceeding now rather than waiting. XXXX refused to enroll me in the payment plan. After several refusals, I relented and agreed to call back at a later time. 

Based on the overall tone of our conversation, the moment in which XXXX chose to reveal to me that he would be unable to process my enrollment on that phone call, and the scant details provided, I believe that there was no problem with the system, and that XXXX refused to enroll me in the in retaliation for my rude conduct earlier in our conversation.
Consumer complaint received 2020-05-31
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: Experian Information Solutions Inc. (FL)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Reported : XX/XX/2020 XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-01-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc. (NC)

National Credit System is in violation of the federal law 15 USC 1681 ( b ) permissible purpose of consumer reports in which I the consumer never gave written instructions to furnish these items on my report. 

National credit system is reporting on my consumer report and the account had got deleted off my XXXX account. Whenever I dispute the information with this company, they don't give me any proof of the alleged debt. The company did not send me documentations with my written signature, According to Section 604 ( a ) ( 2 ) of the FCRA permits a consumer reporting agency to provide a consumer report when it is " in accordance with the written instructions of the consumer to whom it relates. ''
Consumer complaint received 2021-10-08
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)

My rights to privacy have been violated pursuant to 15 USC 1681 ( a ) ( 4 ). I did not give anyone written permission to furnish any accounts on my consumer credit report. According to 15 USC 1681b ( a ) ( 2 ). I initially demanded to have those accounts to be permanently removed but they did. They added remarks to the accounts I requested to be removed instead of deleting the accounts. I am demanding for the accounts to be removed and deleted from my consumer report.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX at XXXX XXXX  Chase sent me a text message to my phone telling me to call their XXXX number to verify some information to them before they close my account. I called at XXXX XXXX  and they didnt verify any information. They immediately told me that my account was closed. All because I disputed a transaction with them in the amount of XXXX from XXXX. They gave me a temporary credit of XXXX on XX/XX/XXXX and on XX/XX/XXXX XXXX they closed my account. They said they couldnt give me my money because it was due to a dispute. Even if it was because of a dispute its my money. Chase has reversed plenty of my provisional credits because they say I didnt send in supported documents for claims that Ive filed when in fact I have. Its just their word against mine. This decision that they made has caused me financial distress, hardship and homelessness. I have a XXXX XXXX XXXX XXXX and I need my money back. This is unfair and not right.
Consumer complaint received 2020-05-31
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: Experian Information Solutions Inc. (TX)

FAIR COLLECTIONS & OUTSOURCING is trying to collect on an unknown debt and has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$3700.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2020-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently got my fraud alert removed ( thank god ) ... .but there was inquiries on my credit report that I never put on at the time so I sent out a 609 letter to verify and never heard nothing back from XXXX  transunion of XXXX  ... .back when I was a victim of identity theft ... they're refusing to removed the hard inquiries that wasnt made by me and I contacting the companies but nothing was never done so I'm sending the hard inquiries information below
Consumer complaint received 2024-03-09
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I did receive a response from TransUnion which they stated they would send me a Temporary password and a user name to view my credit file, they did not do this sense they told me they would. From the date they answered me back I have not as yet received any Temporary password or a user name to open my credit file. I check my e-mails all the time and there was nothing from TransUnion about any user name or Temporary pass word or anything else from TransUnion. I don't know why they did not keep their promise to me and the CFPB, after stating they would do this but so far they have refused to send the information they promise to send.
Consumer complaint received 2023-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

Hello dear paypal, my name is XXXX I feel sad due to my account was hacked and nobody want help me with my case. 
All the evidence was reported, different device, different location, vpn conection, different phone number, different address, all card and bank financial, all the information was added to the case and they is still declined without made a good review. 

i want executive check my case and help me with this problem. 

my email is XXXX This is the Case update : XXXX The client reports unauthorized access and transactions. The email XXXXXXXX XXXX XXXX XXXX  does not belong to the client. This email was added without authorization of the client. The terminal bank account XXXX XXXX does not belong to the client and the transactions and withdrawals were not authorized by the client. There is a risk associated with these unauthorized transactions because they were made from a different device. You can also determine access to the account from different places and countries. The connections associated with access to the account were made through VPN CONNECTIONS and the IPs are very different. Other changes that the client did not authorize was, The client 's personal information was changed, such as address, telephone and financial products. All these changes were not authorized by the customer. Please help the customer to get a refund. At this point, I have already helped the client to regain access to his account and now he needs to obtain a refund for the unauthorized transactions. 

Transaction ID XXXX Transaction amount {$5900.00} USD Transaction ID : XXXX Transaction amount : {$8100.00} USD Transaction ID : XXXX Transaction amount : {$1200.00} USD
Consumer complaint received 2024-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (MD)

TO WHOM IT MAY CONCERN : NCB MANAGEMENT is not licensed to collect debts in XXXX Congress has made it clear that there is abudant evidence of the absuive deceptive and unfair debt collection practices by debt collectors like NCB MANAGEMENT.Thank you for providing me with this documentary evidence of federal violations in the collection of an alleged debt I will need you to provide more documentary evidence of federal violations so i can continue to add to my lawsuit against NCB MANAGEMENT SERVICES INC.for the following federal violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc. (NM)

ARM adjustments for the last year every XXXX month, are XXXX XXXX  month Libor rate which means rate should be XXXX XXXX XXXX XXXX %. Now they calculate the rate as XXXX % ... Last two XXXX month rate adjustments letter I did not understand pursuant to the note calculation. Mr Cooper never replied to my letters for an explanation as the last one the lender said that they would reply by XXXX XXXX. AS Of XX/XX/2024 NO reply. ARM adjustment letter XX/XX/2024 from Mr Cooper using the XXXX XXXX  CONSUMER CASH FALLBACK.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( CAPITAL ONE XXXX Opened date : XX/XX/17 Balance {$350.00}, CAPITAL ONE BANK USA N ***** Opened date : XX/XX/17 Balance {$350.00} ) This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balanceindicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to 0 or eliminate the item certainly.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (WA)

I opened a new Citibank XXXX account on XX/XX/XXXX, and the Citibank XXXX XXXX explicitly read back the term of the XXXX to me ( XXXX XXXX customers can earn a XXXX XXXX bonus by opening an eligible XXXX account from XX/XX/XXXX to XX/XX/XXXX with qualifying XXXX XXXX XXXX and completing required activities. - at least XXXX ( XXXX ) XXXX XXXX XXXX directly into your new XXXX account within XXXX XXXX days from account opening. Your total combined XXXX XXXX XXXX must equal XXXX or more. ). 

Not to mention the various issue I encountered during the account opening process ( the representative put in completely incorrect address, outdated and incorrect account XXXX XXXX was sent to me, XXXX XXXX lost in transit, etc. ), I completed the required XXXX XXXX XXXX in early XXXX, XXXX. 

While I called back on XX/XX/XXXX to ask for XXXX XXXX replacement that I never received after the account opening, the representative mentioned that there is no XXXX XXXX promotion attached to my account. I called again on XX/XX/XXXX after I received the replacement XXXX XXXX, and another Citi representative confirmed that there is no sign of the promotion on my account, and there is nothing Citi bank can do other that logging a XXXX complaint.
Consumer complaint received 2020-05-31
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. (FL)

I can not access my credit report or other services which depend upon Equifax to confirm my identity. Apparently some party or parties used my SSN in the past to access loans or open other accounts. These accounts appear to be from the midXXXX. However, I was born in XXXX, so I obviously know nothing of these accounts. As a result, I fail to answer the challenge questions. 
I have been in contact with Equifax for over two years on this matter, having sent them five letters with attachments including a police report, and enlarged copies of my government id and social security card. I even place a fraud alert with them. 
When I went to apply for state unemployment benefits recently, I was unable to answer the challenge questions which came from, you guessed it, Equifax. 
PLEASE HELP!!!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Today made a settlement payment in the amount of {$350.00} to Portfolio Recovery Associates account # XXXX. This settlement payment was made in exchange for deletion of all credit reporting agencies. I should not have to wait 30 days for account to get deleted off the credit reporting agencies database. Attached is receipt that payment was received by Portfolio Recovery Associates
Consumer complaint received 2020-05-31
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)

XXXX XXXX XXXX  is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX XXXX   has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.