davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

I was victim of a wire fraud where some fraudsters pretended to be our title company and asked us to wire our downpayment to a fraud account at Citi bank. I wired the amount of {$87000.00} through my XXXX XXXX checking account and noticed on the following day that the transaction was all a fraud. 
I immediately reported to XXXX XXXX the following day and initiated a wire recall with Citi Bank. Citi bank wire fraud department confirmed with the XXXX XXXX XXXX Department that the fraud bank account is frozen. Citi bank requested a filed police report that I provided through XXXX XXXX immediately. After a month, I was told by a Citi bank banker and by my XXXX XXXX banker that the funds were released to the customer of the Citi bank account holder instead of being wired back to me. After a month long trauma, I am now realizing that my savings for buying a home are all gone due to mishandling of the wire recall process by Citi Bank.
Consumer complaint received 2022-09-30
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. (NJ)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX insurance collections has violated my rights.The address information is inaccurate and needs to be deleted from my credit report. 
XXXX XXXX XXXX account # XXXX has also violated my rights. The late payments for XXXX and XX/XX/XXXX are inaccurate and needs to be deleted from my credit report. The account open dates are all different and last reporting dates on credit reports also. 
XXXX XXXXXXXX account # XXXX has violated my rights. The late payments XX/XX/XXXX and XX/XX/XXXX are inaccurate and needs to be deleted from my credit report. Last reporting dates are all different on credit reports. 
The following inquiries need to be deleted off my credit report also. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following addresses need to be deleted from credit report also XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX 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 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

My dryer went out and I purchased a new XXXX washer/dryer pair from XXXX 's XXXX paying {$1000.00} down, and financing the rest through XXXX Synchrony XXXX XXXX 60 days same as cash. I appears I was set up for failure, but I kept my eye on the ball, or rather mailbox. 
When I hadn't received my bill by mail in the third week, I called. They had switched me to electronic billing with no notice. Luckily, I figured out how to pay by direct draft in time. If you miss a payment, they can add something like 22 % to your bill and demand payment in full. I was assured by customer service that my account would be switched back to paper billing. When I accessed their website, this had not been done. I was lied to. 
I later got an email that the bill had been sent on the XXXX, and there was a list of credit agencies. These people are nasty and deceptive. If you've had a lot of complaints about XXXX financing, you XXXX want to consider a class action lawsuit. 
I financed on or about XX/XX/XXXX. My account number is : XXXX. Their number is XXXX. I just want to make sure that my credit hasn't been affected.
Consumer complaint received 2023-04-08
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)

On XX/XX/XXXX, I was made aware that my account with XXXX was 251 days past due. I contacted updated via phone and email, this was the response : We apologize for the confusion. Our records show one of our team members in the back office had just made a note on the account because it showed up on a report. They Corrected the issue and now the account is showing 6 days past due. 

On XX/XX/XXXX, an alert from the credit bureau stated that my credit report shows me being 293 days past due for the same company. After calling them several times and talking to multiple people over the phone and via email, they have stated to me that this resulted from failure of paying late fees. I was not made aware of any late fees directly from this company at any point of time. 

On XX/XX/XXXX, I called and spoke to a supervisor regarding why the credit dispute was declined. They told me that the credit agency declined it and that I would have to speak to them regarding my credit report getting fixed or updated. The XXXX company has submitted for a correction via mailed form. My payment history was broken down from XX/XX/XXXX to current and it shows that I was never late.
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (GA)

On XXXX XXXX I purchased 4 Visa gift cards of {$200.00} each at my local XXXX. They were to be a XXXX present for my son and his wife who live in another state. They came for an early XXXX on XXXX XXXX and left early on XXXX XXXX. They tried to use the cards on XXXX XXXX. Three had a XXXX balance and one had a balance of {$0.00}. All four had been used at XXXX stores. One also had some online purchases on XXXX XXXX. I called the phone number on the back of the card. It said the bank was XXXX XXXX  serviced by Incomm Financial Services. They emailed a dispute form on XXXX XXXX. On XXXX XXXX I send 4 emails ( one for each card ) that included the form, copy of the receipt, copy of the card, and the transaction history. InComm emailed that they had received the dispute. On XX/XX/XXXX InComm sent an email and said they needed the receipt and copies of the cards. On XX/XX/XXXX I called and talked to both customer service and a supervisor. After a long hold time the supervisor said they needed the information I had previously sent as it was changed to another department and they could not transfer the information. She also said I would hear back with 7 business days. I emailed the information again on XX/XX/XXXX. I never heard back from them. I have called on XX/XX/XXXX, XXXX, XXXX, and XXXX. It is always the same-they are investigating and it will be another 24 to 48 hours. They received a certified letter from me on XX/XX/XXXX and still no response. All I want is my {$800.00} back by check as soon as possible. They have had my dispute since XXXX XXXX. This is a lot of money. We are retired and on a fixed income. Also since I no longer trust gift cards I want a check with a tracking number. Incomm had no customer service. It seems to me that they are putting me off by asking for the same information and always saying 24 to 48 hours, but no answer from the.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CO)

This card is co-owned by myself and my daughter ( XXXX XXXX XXXX ). On XX/XX/2021 my daughter, XXXX, went to XXXX XXXX XXXX owned by XXXX XXXX ) at around XXXX XXXX She ordered either 2 or 3 drinks for herself and two friends. The bartender kept the card to keep a tab open. My daughter left the bar around XXXX without ordering any more drinks, and she forgot to pick up her card. Someone ( bartender? customer at the bar? bar owner? ) charged {$1100.00} to this card at XXXX. The tab was closed out the next day, XX/XX/2021 with a forged signature. We contacted Wells Fargo when the charge showed up, and they advised XXXX not to close the account, and that they'd take care of it. We followed their advice. They removed the charge for a period of time, then put it back on, without notifying us. We finally decided on our own that the best course of action was to report this fraud to the police in XXXX XXXX  XXXX XXXX where XXXX is located ), and they took a report and are still investigating this crime. I've spent over 20 hours talking to Wells Fargo about this, without satisfactory results. This is a clear case of fraud, with an open police investigation, and a clearly forged signature. My daughter also forwarded time-stamped photos and a taxi receipt to Wells Fargo to prove she wasn't at XXXX when the tab was closed out. I've repeatedly asked Wells Fargo to explain why they won't remove it, and they keep saying it's because there's a signed charge slip. I've had fraud removed from my other cards when there was a signed charge slip, and this signature is forged, so I'm not buying their explanation.
Consumer complaint received 2022-08-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Luckmore Finance (LA)

The manager at luckmore finance ( XXXX ), XXXX XXXX XXXX XXXX XXXX has called and texted me several times during my work hours after Ive asked him not to contact me during those hours. He has called from his personal cell phone. Today, he called my job at about XXXX pm, and told the person who answered the phone that I requested him to call me- which was not true. He has already told me he would not contact me anymore and their attorney would, which would be preferred. Im attaching proof of him texting me and calling me from his personal cell phone.
Consumer complaint received 2023-04-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (MI)

Dear Consumer Financial Protection Bureau, I am writing to report an issue I have been having with Ally Financial. I believe that they have blatantly disregarded the law and are completely ignoring my request for proof of a contract between XXXX XXXX XXXX and Ally Financial. It seems as though they believe they are above the law. 

I have sent a previous letter, and it has been More than 30 days since I requested proof of the contract. Unfortunately, I have still not received a reply from Ally Financial besides them keep calling. Now, I am being threatened with repossession, yet they have not provided any proof of claim. 

This is a serious matter that needs to be addressed immediately. It is unacceptable for a financial institution to ignore a customer 's request for proof of contract and then threaten repossession without any proof of claim. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary steps to ensure that Ally Financial is held accountable for their actions. I would appreciate any assistance that can be provided to help me resolve this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (UT)

Dear Wells Fargo Bank, Thank you for your response to my XXXX claim, but I would like to further discuss the denial of my claim. Your response states that the transactions were made through a secured online banking session by me or someone whom I gave authorization to. However, I would like to reiterate that I did not give anyone permission to make this payment, and I have filed a police report and even undergone a lie detector test to prove my innocence. 

Additionally, when I contacted the bank, I was informed that all the XXXX accounts that the money was sent to have been disabled and that I was not tied to any of the emails registered under their XXXX. This suggests that my personal information was leaked, leading to someone sending the money from my bank. I would appreciate it if you could investigate the recipients ' accounts and provide me with more information to help clear my name. 

Furthermore, I want to emphasize that when the claims specialist called me, they informed me that my account was logged in from Texas and XXXX, despite me living in XXXX, Utah. The fact that my account was accessed from locations I have never been to before suggests that my account was compromised. I immediately changed my account username and password after being informed of this. 

In your response, you also mentioned that there was a history that the device that made the disputed XXXX transaction dated back more than 60 days, and that the same device was used after I changed my username and password without the online fraud claim assistance center. However, this does not prove that my account was not compromised and the money was sent to a strange account, as I have never authorized such transactions before. 

I kindly request that you take my situation seriously and investigate this matter thoroughly. I believe that I am not at fault, and I should not be held liable for any unauthorized transactions. Please let me know what further information or documentation I can provide to support my claim and help resolve this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (CT)

Credit ran and hard inquirys incurred. 
XXXX XXXX XX/XX/XXXX Barclays Bank XX/XX/XXXX
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (TX)

on XX/XX/2023 a person from Wells Frago called me to tell me that WF followed their internal procedures in assisting a customer open an account. They had two false statements : First they stated they had no internal notary available. That is not correct since a XXXX XXXX XXXX XXXX ID XXXX had notarize my documentation. WF also stated that they could not assist me in what areas to fill out, on their form, since this would be perceived as giving legal advice. Again, not true because all forms that I received at the branch had yellow highlight of the areas that needed to be completed. The individual apologies multiple times on the challenges WF has internally, which is not against any law but definitely demonstrates the inability for WF to manage people 's money. So WF has lied, just made-up excuses of why they can not complete a Trust document. I believe after all of this there is a bigger issue of discrimination on a customer that has set up a Trust account. The perception is that this customer has money, and we are going to give him ( a guy ) a hard time. All the employees I have dealt with have been of XXXX and female background. The last issue WF states that XXXX XXXX phone number XXXX Branch Manager does not exist in their employee directory and neither does XXXX XXXX XXXX at the XXXX branch. They are hiding the fact that these employees are discriminating against customers and they either have no clue of procedures or they are not following them.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

the bank CHASE closed my account and i dont know why? but ok int he contract say the bank can close the account when they want, it is ok for me, but they not return my money and anyone say me anything, i callin every week and only they say i have to wait it is happen about 3 months ago, since XXXX XXXX and they have XXXX dollars mine
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (KY)

I made a purchase from XXXX and was charged more than expected so i decided to cancel the order. They issued a refund on XX/XX/XXXX. I can see it was sent on the customer account.The bank keeps saying they have not received the refund. I filed a dispute with the bank. Then on XX/XX/XXXX another refund was issued. I still have not received my funds from the merchant and it has been sent to the bank twice.
Consumer complaint received 2022-08-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given direct verbal and written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX, XXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.
Consumer complaint received 2023-02-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (TX)

Wells fargo constantly makes me change my password login which makes it difficult to login to pay my loan, they also misapply my payments, I've paid a lot more on this loan than they try to give me credit for. I missed my payday by 2 days and now they want me to pay them {$27000.00} in one lump sum or they say they'll repossess my vehicle.
Consumer complaint received 2023-04-07
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. (OH)

My name is XXXX XXXX and I recently checked my credit report, then found out there is credit cards charged off from XXXX, XXXX XXXX and XXXX XXXX under my name. It looks like someone else used my informations to open these accounts. As I NEVER opened these accounts. Please remove them from my report.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

went to dealership was told in house financing but ran my credit with other companies without telling me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Hello, LexisNexis ( ref : XXXX ) has recorded that I had an accident on XX/XX/XXXX. 
For the FOURTH time, I have requested an investigation because this accident is not related to me : * My driver license number is not ending by XXXX ( see attached XXXX ) * My car is a XXXX XXXX, not a XXXX  XXXX ( see attached " title property '' ) * My car VIN is not XXXX ( see attached " renewal '' ) * My name is not XXXX XXXX XXXX ( see attached XXXX ) * My address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( see attached XXXX ) * My car insurance is insured with XXXX ( see " letter of experience '' ). I am not insured with XXXX insurance. I contacted XXXX insurance on XX/XX/XXXX, and they reminded me TWICE that my name was ( not is ) not on their record. 

The car insurances " XXXX  '', and " XXXX insurance '' and myself are not aware of any vehicle accident under my name. 
LexisNexis has refused to correct the records. They contacted " XXXX insurance '' and were told the information is accurate, which is probably true. However, this accident is still not related to me, but affects my car history. 

Please advice. 


XXXX XXXX Phone : XXXX
Consumer complaint received 2023-01-03
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. (FL)

Equifax is reporting inaccurate information on my credit Report Ive been notifying/disputing with Equifax for over a year and a half now multiple times and Exuifax is still reporting the 2 inaccurate accounts on my credit report : Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, has violated my rights. 

XXXX and XXXX has both done an investigation and Deleted the two inaccurate accounts above off of my credit report but Equifax is still the only Credit Bureau that is reporting the accounts inaccurate. Its is an violations under the FCRA to report inaccurate information on an person credit report and I demand that Equifax Delete the Two accounts immediately off of my credit report because they do not belong to me ( Name : XXXX XXXX XXXXXXXX Account number XXXX ), has violated my rights. 

Im fed up and Im on my last leg i will sue Equifax if they dont removed the two inaccurate accounts off of my account immediately.

Thanks
Consumer complaint received 2023-02-23
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. (OH)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.