davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

Unable to use Synchrony Bank consumer portal website to view or manage account, including recent purchases and promotions for XXXX different stores. 

Attempted to access the site using XXXX different web browsers, and cleared cookies, but to no avail. 

Notified customer service on XX/XX/2022 through both chat and phone, who informed me that they were aware the site was down and to wait XXXX business days, on top of the approximate XXXX week that I had already waited- this timeline has been exceeded. 

No further notifications received from the bank- until a statement notice was received on XX/XX/2022 for payment due within XXXX weeks. Thinking the bill being sent implied the site was fixed, I again attempted to access my accounts with the bank. However, I am still unable to access my account to verify whether promotional terms have been applied, and any minimum payments due. 

This is simply unacceptable and scammy for a bank that maintains a consumer account management and payment portal.
Consumer complaint received 2022-11-19
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: WELLS FARGO & COMPANY (OR)

Two unauthorized transactions in the amount of {$1400.00} and {$1500.00} were charged on my card XX/XX/XXXX. Before that date I was on vacation in XXXX Washington with my family, we stayed at XXXX XXXX. During that vacation I lost my card. So I reported the charges to my bank. I filed a claim with Wells Fargo and they credited my account in the amount of {$3000.00}. Later in XXXX I get a later stating they will reverse the credit on XX/XX/XXXX because the merchant responded and they have compelling evidence that I made the purchase or someone authorized did. I tried to appeal the decision but claims department refused and told me to work with the merchant. So I made a complaint with the cpfb and Wells Fargo executive office escalated the claim. They investigated for 10 days and they stuck with the claims departments decision. The merchants compelling evidence are proof of delivery and signed packages. My proof is that my card was lost, I reported the charges as fraud. My family nor I were home when the packages were delivered. The packages were delivered the XXXX and XXXX of XXXX. I was not home XX/XX/XXXX through XX/XX/XXXX, which I was only home for a brief moment to pack and head out to the airport for another trip. So therefore it is impossible for me or anyone in my house to sign for any package, to receive any package. The first package delivered XX/XX/XXXX was signed by someone named XXXX XXXX, I dont know anyone named XXXX XXXX XXXX The second package was delivered but no one was there to receive or sign for it so they left a notice. A few minutes later someone signed for it. NO ONE WAS HOME, WE WERE ALL GONE. When I came home on the XXXX  there were no packages, nothing. I have written statements that my card was lost by people who were in XXXX with me. I have written statements by my father who was preparing to see stating that I did not have my card with me in Idaho because I left it in Washington. I have plane tickets showing my flights. I was screenshots of usps tracking that someone signed for XXXX XXXX and they failed to deliver the second package because I am out of town. Wells Fargo is unwilling to help me. My proof is more compelling than the merchants. They still wont help me, its XXXX.
Consumer complaint received 2022-10-07
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX : # XXXX, State of mi office XXXX  : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 a account with my written instructions
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify these items. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint. I have also filed a FTC Complaint as well. 
Account related items are. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX & XXXX XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX
Consumer complaint received 2022-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES (NY)

XXXX XXXX is fraudulently reporting and trying to collect on a charge from an old credit card that I has back in XXXX the card was lost/stolen and my identity was used to make unauthorized charges, and now 2-3 years later they sold the " fraud case '' to a collection agency. The collection agency keeps harassing me via mail, and phone calls, they have even sent a threatening letter to place me in jail if payment wasn't made on the old fraud/dispute case that has been settled and closed since XX/XX/2020. I have written proof that XXXX XXXX got the money back and it was covered under the fraud protection act. The FDIC insurance claims protection for fraud was honored to my knowledge of paying back the fraud charges. this protection is for when you have any credit card and file a fraud dispute which I did in accordance with the law. However, It's like they want a triple payment, since XX/XX/2020 XXXX XXXX considered the case closed and " wrote off '' the alleged debt. However, to my understanding, it was paid back under the FDIC fraud protection, and now falsely and illegally trying to collect a fraud/dispute case through a collection agency.
Consumer complaint received 2022-11-19
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. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 
The : following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been trying to cancel some monthly subscription charges on my XXXX card. I can not get in touch with the companies who are charging me. I changed my account number. XXXX allows monthly subscriptions to pass through to the new credit card account number. I was charged twice by a company that uses preditory marketing stratagies. They now have my new credit card information. Many companies large and small ; legitamate or completely dishonest know this monthly subscription loophole. The American consumer has to be protected from preditory, fraudulent and otherwise dishonest businesses. It should be easy to shut off the money flow.
Consumer complaint received 2022-11-19
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove the items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall delete any item in the file of a consumer that the consumer identifies as items that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX I wired my entire life savings to an account at Wells Fargo. It was supposed to go to my LAW FIRM but the Wells Fargo customer HACKED my email and had the money sent to his account where he proceeded to withdraw it as quickly as possible. 
On XX/XX/XXXX I realized I had been a VICTIM of theft. I contacted Wells Fargo immediately. I even went to a local branch BEGGING someone to help me. 
Instead of helping me, Wells Fargo let their criminal customer walk out the door with {$140000.00} of my hard earned money before they did anything to stop him. Wells Fargo hasnt even been helpful to the police department who has a search warrant. 
Wells Fargo does not care about poor people like me. They only care about rich people and criminals.
Consumer complaint received 2022-01-26
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: CITIBANK, N.A. (NY)

I contested a charge to my Citibank XXXX XXXX. 
The charge was for a cleaning service for my home. 
I had contracted for a price, but the company was unable to complete the job as contracted for. They came back another day and charged me an additional amount {$360.00} ' it is this additional amount that I was contesting. 
I went online and filed a dispute with citibank. I checked the most appropriate category available, although it did not exactly correspond to what had occurred. 
Citibank issued a temporary credit, and requested additional information from me, which I provided. 
Citibank then informed me that they were reversing the temporary credit and reinstating the additional charge because I had provided them with conflicting information ; they refused to comment on the substantive issues based upon all of the detailed information that I had provided them, they simply denied my appeal based upon their perception that I had provided conflicting information. 
I explained to them the same as above, that their website limited my choice of a dispute reason, but that I had subsequently provided them with all of the necessary information for them to review and reconsider their initial determination. 
Citibank has refused to do so, in violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

They did not accurately verify that my XXXX account was in fact closed. I have disputed twice and they still have not updated the information and removed it from my report. They are inaccurately reporting repossession on my XXXX account even with payment history documents attached.
Consumer complaint received 2022-01-26
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. (MD)

On numerous occasions I have attempted to fix my issues with the three credit bureaus, however, my issues have yet to be fixed. An account with the name of XXXX is reporting on my credit report, however, this account is in violation of 15usc 1681e-d. I have also requested that this account provide me with an agreement in which I have with them to no avail. This company has not provided the authorized agreement creating the debt which is required to collect on a debt per 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX. That means I have no contractual agreement to pay them an alleged debt. There is also an account on my credit report in collections that has no information except a balance. I have no idea what it is and neither does the credit bureau and I would lie it removed immediately, thank you,
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-07
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. (RI)

In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX  # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-19
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)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact being relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. ( XXXX XXXXXXXX XXXX  ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of the receipt of this notice
Consumer complaint received 2022-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

My sister-in-law, XXXX XXXX owned the property in question with her mother, XXXX XXXX. She had put the property into forebearance after losing her job in XXXX during Covid. XXXX passed away on XX/XX/XXXX and XXXX 4 days laters on XX/XX/XXXX. I was named XXXX 's executor and her son, XXXX XXXX was named her heir. I am XXXX XXXX 's XXXX or her estate and XXXX 's XXXX of Attorney. 

I have been working with Flagstart Bank and began making the modified loan payments in XX/XX/XXXX. I was working with the loss mitigation department through this process and was at the finish line to completing the loss mitigation when they told me that I needed to get the deed in XXXX XXXX 's name. I did that in XX/XX/XXXX and then immediately the loss mitigation was cancelled and no one at Flagstar would talke with me. 

I had to resubmit all the documents from the death certificates to my certificate as the administrator, the deed to put the property in XXXX 's name and the power of attorney. They sent me a letter telling me that XXXX XXXX would be my single point of contact. I called this past week on Monday to try to get an appointment with her and was told it would be 24-48 hours before I would hear from her. As of today, I still have not heard back from heror anyone at Flagstar. I have made sure the modified loan payments have been made since XXXX ; but they have returned the XXXX payment. 

I also have now received a letter that they are going to foreclose on the property, I'm going to pay the amount of the original payment this month to try to get their attention that way ; but I'm at wits end since they are no longer talking with me on this matter. I have been trying to resolve this for months and get the loss mitigation finalized. 

Please help.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NM)

We have been business customers of Wells Fargo for close to three years and started having a problem late summer of XXXX with holds being placed on deposits made to our business IOLTA account. We would make deposits at the branch and be given a receipt the funds would be available the next business day. Only to receive an email the next day saying a hold had been placed on the deposit. This did cause issue with one client being disbursed funds. The reason for the holds was " refer to maker '' The branch tried to tell us that the check might not have cleared and that is why a hold was placed. This is not true or accurate as it would have come back as a deposit return. We had a meeting with the branch on XX/XX/XXXX that included bank employees XXXX XXXX, XXXX XXXX and XXXX XXXX. We were told that the holds were being placed because of a change to their system and they apologized for the frustration it had caused. That this would stop and that XXXX would be our point of contact if hold issues arised. Everything was fine until XXXX of XXXX, when holds started being placed again. I tried to contact XXXX and got no response via either email or phone. Than I had a hold placed on a deposit and two days later made a second deposit that was more than two times the amount of the deposit that had been held. This deposit was not placed on hold. All of the deposited checks were drawn off of XXXX XXXX XXXX. I tried again to ask that this hold be removed as I could tell from the collected balance that the funds were received by Wells Fargo and the branch refused. Stated that the hold was placed to " protect Wells Fargo '' The branch is arbitarily placing holds on deposits and I feel the branch management does not even understand hold policy or procedures. Why a hold would be placed on a smaller deposit but not a much larger deposit being drawn off of the same bank and within days of each other, makes zero sense. I try to call the branch and get no answer, just short rude emails from XXXX. I contacted Wells Fargo customer advocate on XX/XX/XXXX, she also attempted to call the branch multiple times and did not get an answer. I have been told Wells Fargo has increased their holds due to the pandemic and fraud however we have been customers of Wells Fargo since before the pandemic, we keep multiple accounts, have never bounced a check, had a deposit returned and we keep a six figure balance most of the time. To be treated as a possible threat of fraud to the bank is horrible customer service. I would like Wells Fargo to treat us as valued clients
Consumer complaint received 2022-01-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (OH)

During the course of 30 years, my student loans have been closed, transferred, and resold to various financial lenders ( Direct Loans Servicing System, XXXX XXXX, XXXX, Nelnet, and the Department of Education ). After reviewing my credit report I notice several inconsistencies regarding the account DEPT. OF EDUCATION/NELNET # XXXX in the amount of {$56000.00} and {$66000.00} both payment status section. XXXX is reporting a balance with derogatory payment status. XXXX is reporting a balance of {$66000.00} a current payment status and XXXX is reporting a balance of {$66000.00} and {$56000.00}. Now all three of these balances cant be accurate. In addition, DEPT. OF EDU/DIRECT LOAN SERVICE SYSTEM XXXX and XXXX reported closed {$0.00} balance on XX/XX/2013. These student loans have been closed, transferred, and resold to various financial lenders ( Direct Loans Servicing System, XXXX XXXX, XXXX, Nelnet, and Department of Education. These accounts appear to be furnished by the same creditor so why is all the provided data differently? It is your duty to ensure that all information reported is consistent and most importantly, accurate and you have failed to do so. Please INVESTIGATE, REMOVE/DELETE these ERRONEOUS ITEMS IMMEDIATELY. Let this be a formal complaint against XXXX XXXX, XXXX, and XXXX.