davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

I made a $ XXXX principal payment on my mortgage in 2019. Wells Fargo has done creative accounting and failed to credit my account for the proper amount paid. Instead they continued to charge my interest on the high balance. I have complained several times and then they tried to fix the issues, but continues to do creative accounting. To date I still have not received money back for interest paid nor is my balance fixed. They claim the money was used to pay taxes or insurance, which the $ XXXX was only to go towards the principal amount. This is not the first time Wells Fargo has done creative accounting on my account. I keep paying and my balance is hardly ever lower in the past 15 years. Forensic accounting needs to be done on my account and Wells Fargo should have to pay a penalty for doing this! If I am not pursuing this, Wells Fargo would get away with this fraud!!!!
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

This Amazon Store Card XXXX XXXX account was opened approximately one year ago under last four digit account number XXXX, then without consent the account was closed and a new account was issued under last four digit account number XXXX. The account sustained some concerns when the Synchrony Amazon card was being billed twice or not being properly balanced out correctly so after a few transactions were paid off, I opted to close the account and be refunded the {$100.00} deposit. When the {$100.00} deposit was not returned, I made a transaction for {$99.00} for a pair of XXXX XXXX XXXX  XXXX Shoes ( bicycle style ) size 6.5-7 ( 37 ) and I never received the product. This transaction occurred approximately one month ago from today ( XX/XX/2020 ). It was further attempted to open a new amazon account without a deposit but the initial reason for denial was because I already had an open account. As of today, XX/XX/2020, the denial from Amazon Store Card-XXXX after this account ( s ) were allegedly closed has not been disclosed but a denial was issued. Therefore, I did not receive the merchandise I purchased with the Amazon Store Card XXXX XXXX and deposit of {$100.00} ; being the XXXX XXXX XXXX  XXXX Shoes, I have not been refunded my {$100.00} used to initiate the card one year ago, and I was denied a non-annual fee Amazon Store Card without a deposit as of today XX/XX/2020.
Consumer complaint received 2022-06-13
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)

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 2020-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NJ)

I had cellular phone service with XXXX. I lived in XXXX XXXX  when I got the device and the service was ok. Not good. Ok. It never worked In XXXX XXXX XXXX which they attributed to a it being busy. Then I met my fianc. She is a XXXX. I moved from XXXX XXXX to XXXX to be with her after about a year of dating. I noticed I often had no bars of service in our home. I complained numerous times to XXXX  and it was always the same person. I believe his name was XXXX. Im not sure. Anyway XXXX told me the service was great in my area. Full of 4G. Maybe just my house was bad. Then one day I had no service at all. From XXXX to XXXX NJ where I work. The tower went down and remained down for over 8 hours. They told me at first theres no problems. Then there tech support on XXXX acknowledged that a tower was down. They credited my account only after I filed a complaint with the fcc. Then my phone stopped working in my house. A bill I have to lay out payments for every month. I filed another complaint with the fcc after getting no help from XXXX. XXXX contacted me again. When I voiced my displeasure I was told service isnt guaranteed indoors. Use WiFi calling. This is not how you resolve an issue. XXXX then credited me XXXX dollars. Then about a month later when I was at XXXX XXXX  in XXXX NJ I had no service again. This time my XXXX  girlfriend fell out of her XXXX  and couldnt get off the floor. She laid on the floor XXXX for over two hours because I had no phone service. I again spoke to XXXX  at which point I requested to be let out of my lease. I was told under no circumstances do we do that. So I I had no choice but to switch on my own to a reliable company. I returned XXXX device. The service and customer service was unacceptable. Then in the middle of the night they attempted to just charge my bank card on file XXXX dollars. I dont feel I should owe this debt. I must have filed 9 fcc complaints in 4 months living in XXXX NJ. XXXX never attempted to resolve anything. They just want to push you aside and tell you how great they are. Telling me to use WiFi for service indoors is unacceptable.
Consumer complaint received 2020-06-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TN)

My original loan servicer, XXXX XXXX XXXX, filed for some type of bankruptcy protection in XX/XX/XXXX. In XX/XX/XXXX, my loan servicing was transferred to NewRez. 

At that point in XXXX, I was making payments bi-monthly of slightly more than 1/2 of the required payment each month ( I was paying {$670.00} to XXXX twice monthly for a total of {$1300.00} per month ). My monthly payment required was {$1300.00}. The excess payment that had accrued each month was being held as " unapplied funds '' and had in XXXX grown to approximately {$550.00}. 

I received several notifications in the mail of the transition and made arrangements with my bank to transition the automatic {$670.00} payments from XXXX to NewRez after the transfer date of XX/XX/XXXX. 

Since then, I have been receiving notices by email and conventional mail that I am late and that my escrow has a deficit that I need to repay. I have called three ( 3 ) different times to attempt to resolve the issue. After the last call on XX/XX/XXXX, I made an additional payment of {$750.00} to attempt to resolve the issue. 

During the three ( 3 ) different phone calls I asked for guidance on several issues including escrow, how to use the NewRez website to gather information about my loan, etc. However, the primary reason for my complaint, is that I have asked for specific information about the payment history of my loan and an accounting of the transfer of the loan from XXXX to NewRez. I specifically asked for information about how the " unapplied funds '' were transferred and how, if I continued making payments at the same frequency and amounts, am I getting late notices and fees? 

I was never provided this information by phone, email, or phone. I can not find this information using the online portal. I was told on the first two ( 2 ) phone calls that some sort of representative of NewRez was going to look into my loan documents and call me back with information on the questions I noted above. I never received a call from NewRez. 

During the last phone call, the representative suggested that making an intermediate payment of {$750.00} to " catch the payments up '' would be beneficial and possible remove the issue. I made that payment on XX/XX/XXXX and the amount of {$750.00} was debited from my bank account on the next day. However, that payment is not showing in the payment history on the online portal and has not been applied to my account. 

Today, XX/XX/XXXX, a late fee of {$41.00} was assessed to my loan. That was the final " straw '' for me to start this complaint with you, the CFPB.
Consumer complaint received 2022-06-28
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)

In accordance with the fair credit reporting act XXXX XXXX XXXX account. # XXXX Has violated my rights 15 u.s.c 1681 section 602a states I have the right to privacy 15 u.s.c 1681 section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-28
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. (TX)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Addresses : XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XXXX XX/XX/2020 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 XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020
Consumer complaint received 2021-12-08
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 — Investigation took more than 30 days
Company: DISCOVER BANK (IL)

I contacted my Student Loan provider in XX/XX/2021. My account at the time was current. My hours at work had recently been cut due to them needing to cut back some hours because business was slow due to the Covid Pandemic. The customer service agent I spoke to said they would be happy to assist me and it just so happened that Discover Student Loans had some temporary repayment options. I was told since my account was current i qualified to keep my account current even if i deferred the payment. I was happy. I started paying my loans back as agreed. But then I find out discover had reported my account delinquent when I thought we had an agreement. Now my credit score has dropped a significant amount. When I called Discover Student Loans to bring up this issue they said they had no record of said call. That they would have to look back and listen to the call and even then it wasn't a for sure because the call might have been deleted from their server. All they said was that they would talk to the employee but that I was basically XXXX out of luck and that was that. All they tell me is to dispute their claims. Its not fair that they tell the customers they will help when they actually don't. Now I'm suffering with negative remarks on my credit report and wont be able to buy the house I wanted to because this employee gave misleading information or just didn't care enough to adjust my account.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

XX/XX/XXXX, {$1000.00}, withdrawal from my checking account, my bank is refusing to refund my money ... fraudulent company ( moving processing company ) i did not authorize this transaction with a scam company, my move date was XX/XX/XXXX, window time XXXX final destination XXXX XXXX, I have several numbers, several names an now the numbers are spam or do not work, I have filed many claims or complaints with the bank, police department, XXXX, Ftc, occ , also called that moving company back, another number another person not willing to cooperate with this situation.. all to be said I have lost everything I had, my belongings, my money... Please help me...
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (NE)

I applied for XXXX XXXX Application Reference No : XXXX. Chase declined the application due to previous credit card closed by Chase. There was two cards opened under my name which I reported to Chase and they sent me letters I attached which state they removed me from liability from those accounts. However, they are still using those fraud account against me when I applied for the XXXX XXXX.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

I need the cfpb to investigation the issue with Lexington Law. they stated on there wed sit that they can remove item from your credit report. and that not true. they charge all this money stated that they can remove collection item from your report and your score would go in point. let me understand this Law practice as it state on they web -sit negative item for Late payment score Decrease late payment up to110 points .and debt settlement up to125 points foreclosure up to 160 points bankruptcy up to 240 points collection up to 110 points and hard inquiry up to 15 points. now I believe that the only way you can get an account off your credit report for negative is to pay that account creditor and ask they to delete from your credit but you do not get no 100 points for get a Negative as a collection. I got a collection item by pay the creditor there but by scores do not go back up to no 110 points on my credit report on all three credit agency, what the real deal here. it call misrepresents. because XXXX. XXXX  and XXXX  agency only give you 7-12 and not no 110 points look at there web-sit. Credit repair
Consumer complaint received 2020-05-26
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. (GA)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE WERE ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. THESE FRAUDULENT ACCOUNTS ARE CAUSING ME UNNECESSARY HARDSHIP. PLEASE INVESTIGATE THESE ACCOUNTS AND SEND ME AN UPDATED COPY.
Consumer complaint received 2020-05-26
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. (FL)

MY IDENTITY WAS USE TO OBTAIN AUTO LOAN, CREDIT CARDS, BANK ACCOUNTS AND INSURANCE WITHOUT MY KNOWLEDGE SOMEONE USE MY PERSONAL INFORMATION I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (PA)

To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. 

XXXX XXXX XXXX XXXX Credit Cards XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stores, Tire Dealers XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX XXXX Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used XXXX XXXX    XXXX Auto Financing Companies XXXX XXXX XXXX XXXX Credit Cards XXXX XXXX XXXX XXXX   Credit Cards I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

my complaint is about blatant violations by LVNV/Resurgent and XXXX, XXXX and XXXX. I asked LVNV to validate a debt they have listed on my credit reports. The first letter I sent was in XXXX they sent a bill to me. I again asked them for proper validation and they ignored my request. Since then I have sent 4 other letters and got no response. I can provide the letters upon request. I then disputed with the credit bureaus using the factual evidence from my reports. Needless to say I found several violations and inaccuracies so I disputed those as well even so they continue to report with no regards for the laws. I will attach pages from my report so you can record these violations. Each bureau has been reporting different information which can't be accurate. such as trying to re-age an account, also moving an account to another area on my report. Changing a collection from open to closed then back open. XXXX even went on to say they were no longer reporting this LVNV account but it's still there. This account has been listed with consecutive Charge-Offs for 2 years straight as well as reported late and past due on this collection. See for yourself.They seem to think the laws don't matter. I can't be the only one they're doing this to. I could really use your help in this matter.
Consumer complaint received 2020-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (GA)

I schedule a bill payment through my bank 's bill pay service they offer. I specified I wanted the bill paid in the amount of {$200.00} on XX/XX/2020. The item was paid and cleared my account on XX/XX/2020 a day before earlier than I wanted the payment to be completed. Due to the payment clearing a day earlier than I specified it caused an " Overdraft Protection Fee '' of {$7.00} to be charged to my account. I called and told the agent what happened. The agent refunded my fee and then proceeded to tell me that next time this happens I will be responsible for the fee. I said what do you mean I will be responsible. I specified the payment to come out on a specific date and my own bank cleared the payment a day early. How is that my fault and why should I have to pay them a fee for taking money out of my account a day early. The agent said sometimes they have to issue a check verse an electronic payment and sometimes they clear early. I don't have an issue with that, but don't charge me a fee. My bank is the one issuing the check, they know how much the check is, they know the check number and they know the date it should clear. They should have their systems programmed to catch and handle these checks differently verse putting the responsibility on the customer who has taken responsibility for specifying the date they want the item to clear in the first place. Since my bank controls both ends of the transaction there is no reason they can't control if a fee is charged or not. Why make the customer do all the work. How many people aren't checking their accounts and being charged needlessly because the bank is to cheap to program their systems to handle the transaction correctly. I am sure their is probably an attorney out there who would love to try and argue a class action suit for improper charges.