davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-06
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo has been reordering my transactions on my account for the last XXXX years in order to charge overdraft fees. They do this unlawful process by reordering transactions which were already cleared or were never showing to be pending but having them clear the next day. Since their system is always updating, it has to be seen in real time occurring the night before and take screenshots as they make the transition appear as business as usual for an already overdraft account. Wells Fargo will also continue to try and take money on fees from my account thats already $ XXXX {$400.00} overdrafted as this can be classified unsolicited predatory lending to be hit with an overdraft on items you never authorized Wells Fargo to pay. They do not have a system that shuts down transactions from an empty bank account.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek grand jury on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I have been audited by the IRS, and I have requested Wells Fargo for photocopies ( images ) of all my checks that have been deposited into my checking account between XX/XX/XXXX. XXXX and XX/XX/XXXX. I have called their customer service at XXXX three ( 3 ) times, each time I spend one 1h30m ( for the past month month I have spend almost 5 hours on the phone with them ) on the phone with them while they put these checks images together, and each time, they keep sending me bank statements. I can get my bank statements online, but unfortunately, Wells Fargo does not allow to obtain images of checks. We as a consumer only can obtain these up 18 months or we have to call their customer service, witch did several times. I went to my local branch also, and have asked the bank XXXX, XXXX XXXX for his assistance. And until now he has done nothing in regards this matter. Anytime I go to the bank, he says that he is " busy ''. I come to your organization to help me obtain these checks images please. 

Respectfully, XXXX XXXX.
Consumer complaint received 2020-02-19
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. (CO)

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) plus days late on the XXXX account partial account number XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Back in XXXX I was laid off after 20 years at my job, I became XXXX XXXX and struggle for about 2 years after. I believe at the end of XXXX I became past due on my mortgage about 3 payments. I recently took a good look at my mortgage statements and realized that most of my payment is going to interest so I looked at my loan note and realized my name is not even on my note, I borrowed $ XXXX on XX/XX/XXXX with a 30 year fix mortgage with a maturity date of XXXX/XXXX/XXXX that means I have been paying on it for 11 years and my principal balance has only gone down $ XXXX, so I decided to call my mortgage lender and they informed me in XX/XX/XXXX I received a modification ( I honestly don't recall signing any documents ) and they said my term was extended 14 extra years ( for 3 past due payments ) meaning my maturity date it is now XXXX/XXXX/XXXX but yet my payment are still the same as my original note. I have been requesting copies of my signed modification documents to no avail, my current lender is New Rez when I called them for copies they referred me to XXXX XXXX XXXX XXXX from Shell Point Mortgage Services I talked to her and she said she does not have them to contact my lender via email I sent an email to XXXX I have not heard from anyone. I desperate need your help.
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

I, XXXX XXXX have struggled just like every other self-employed person during the Covid-19 Pandemic, especially when the  XXXX of Massachusetts was closed down for over six months. However, I intend to pay off all collections against me and at this time I am requesting settlement offers with a 4-month payment plan. If reasonable offers are made, I or my wife will call in the necessary check by phone information to bring all settlements to a  conclusion. Thank you. XXXX XXXX
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I use autopay to pay credit card bills. I had selected the option of paying full balance after noting that previously only minimum amount was selected to be paid. 

Despite that however, on XXXX XXXX, only minimum amount due was paid to my credit card. Both credit card and my bank account are with Bank of America. Later, an interest was charged to my account. 

I called them and explained that I had selected that full amount be charged from my account. They verified that that was the case. However, they said that such changes can take up to one month to take into effect. 

I countered that regardless, my intent has been and still is to pay in full balance. And so interest charged should be removed. I do not recall being informed that the changes take one month to take effect. 

Neither banking department or credit card department can resolve the issue and would refer me to the other department
Consumer complaint received 2020-09-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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.
Consumer complaint received 2023-01-09
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX FIN XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-30
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: EQUIFAX, INC. (OH)

I am disputing this information. And seeking reports free from EQUIFAX and XXXX  and XXXX XXXX, because they are also reporting inaccurate information. It's also a violation of my hippa rights .To third parties such as credit karma etc, its preventing me from getting proper housing XXXX, XXXX XXXX OH XXXX, XXXX , TXXXXX, XXXX XXXX NCXXXX, XXXX , TXXXXX XXXX, XXXX XXXX OHXXXX XXXX, XXXX , NC XXXX, XXXX XXXX NCXXXX  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 Never done business with these companies XXXX XXXX XXXX XXXX XXXX # XXXX XXXX listed twice with misspelled name XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2020-06-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: PNC Bank N.A. (NJ)

I bank with PNC. They have restricted XXXX from linking my bank account. I depend on apps like these during this pandemic to help keep me afloat with payments and to emergency expenses. Apps like XXXX lend you between $ 75- {$600.00} until your next payday. Please allow this app to connect with banks.
Consumer complaint received 2022-08-20
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. (GA)

To, whom it MAY concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts is listed as a collection with a PAST DUE BALANCEs. 

This is a violation of the FCRA and is also in Violation of requisite METRO 2 compliant reporting standards By the provisions of the Fair Credit Reporting ACT and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliant, and verifiable. I demand that the above mention derogatory items be investigated and permanently removed from my report. 

XXXX XXXX Reporting Balance : {$5300.00} XXXX Bank Card Services Reporting Balance : {$3500.00} XXXX Bank Reporting Balance : {$8000.00} Please update my personal information accordingly ; thank you for your kind attention to this important matter. I patiently await your reply.
Consumer complaint received 2020-09-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion is reporting a balance on my credit report when the accounts has charged off. Also while the account has charged off they are still reporting on a monthly basis. However the Company has gone out of business and there is no open to call. I ask Transunion if the have a phone to help me out. I was told by the representative that they cant give me any information that I will have to XXXX it. I explained to her that I already did this and all the phone numbers are bad. So i am not able to get any help with this. The Company is questioned is XXXX. 

I will also attached the credit report to show how its reporting.
Consumer complaint received 2020-09-17
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. (IL)

The credit bureaus continue to report inaccurate information after their investigation. Im attaching all supporting documentation with all information so they can stop illegally reporting those inaccurate accounts on my credit reports.
Consumer complaint received 2020-02-19
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. (CA)

Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am a XXXX XXXX account holder. I wrote and mailed a check in the amount of {$1000.00} on XX/XX/XXXX. That check was stolen out of a postal box or truck, washed and rewritten in the amount of {$9500.00}, and processed at a Bank of America branch. My XXXX account was wiped out. I reported the matter to the bank as soon as I realized this, on XX/XX/XXXX. Account closed and new one opened. I reported to police. I filled out all XXXX and police paperwork immediately and was told my account should be settled in 7-10 days. I was relentless in going to bank, calling XXXX, calling XXXX claims... Targeted time for settlement became 30-60 days, then 60-90, then up to 120 days- with explanation that Bank of America had to sign off as the bank of deposit. It has now been 7 1/2 months with no closure in sight. 220 days?? XXXX would not extend me a courtesy credit when I requested it in XXXX -- trying to keep my small business afloat. Talked to co-heads of XXXX and XXXX Banking at XXXX. Talked to XXXX XXXX repeatedly. Resubmitting all documents as requested in XXXX, XXXX to XXXX XXXX XXXX and XXXX XXXX. at least 10 times. In XXXX, I spent money on my lawyer- asking for advice. I agreed to wait a bit longer to see if Bank of America would settle with XXXX, and then- XXXX with me. Nothing -- but, a lawyer fee : ( I was told by Chase that B of A acknowledged documentation on XX/XX/XXXX and acknowledged that my claim reached Adjustment Support on XX/XX/XXXX. I emailed B of A Adjustment Support on XX/XX/XXXX and heard nothing back. I called XXXX XXXX XXXX XXXX again today, XX/XX/XXXX and left a voice mail. HELP! Can Bank of America sign off on the fraud case and get the {$9500.00} back to XXXX and to me??!!
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (MA)

I, XXXX XXXX have struggled just like every other self-employed person during the Covid-19 Pandemic, especially when the XXXX of Massachusetts was closed down for over six months. However, I intend to pay off all collections against me and at this time I am requesting settlement offers with a 4-month payment plan. If reasonable offers are made, I or my wife will call in the necessary check by phone information to bring all settlements to a conclusion. Thank you. XXXX XXXX
Consumer complaint received 2023-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

I declare under penalty of perjury ( im in the law of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful miss statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these miss statements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization-Use my personal identifier information to apply for goods, services, or money, and was successful in creating some accounts.All is being investigated by the FTC.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX repossessed my car in XXXX of XXXX and closed the account in XXXX after I lost my job and instead of working with me they threatened me with legal action and subsequently reposed the vehicle. 

Every month since XXXX of this year XXXX, they have reported the same closed account as open and delinquent. 

Then they close it before the end of the month and reopen it as a new account on my credit report, dropping my score 17 point every time. 

Once I regain the points, they delete the account and re list it again 3 weeks later as a new account open and delinquent again dropping my score 17 points. 

This is obviously very deliberate and is infringing my my due process rights as well as flagrantly violating my protections under the CFP Act. 

THEY NEED TO STOP immediately!!!!
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I filed a complaint XX/XX/XXXX and Equifax refused to respond saying they couldn't respond because they can't identify me. I need to write to them. I have been writing and emailing and calling. I will not keep doing that. I will add all my identifying information here so I can have proof of the actions that Equifax falls to take. 

My complaint : Back in XXXX, I filed two CFPB complaints about Equifax because my credit report was blank other than1 fraud that I had a police report for being a victim of identity theft. Equifax finally updated my account and removed the fraud account. Since then several updates have happened that didn't really cause concern little things. Now at the beginning of the year, XX/XX/XXXX Equifax has removed almost all of my accounts from my credit report. My credit report is showing that I have a credit history of 1-year which is completed inaccurate. Please see attachment that shows 13 accounts were removed from my credit report. Please also see that the fraud account for XXXX XXXX XXXX that Equifax told CFPB that was removed in XXXX was actually added back at some time and removed again with all my real account information. I went from a blank file with fraud information, to a somewhat completed file to a no history file. The credit reporting agency should report accurate information and it seems like Equifax is reporting anything it wants to report instead of the accurate information. Credit agencies should not be able to alter someone's credit history by just removing current and past credit accounts. 

Equifax generic response : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We have reviewed and considered the information you supplied through the Portal. It is our policy to take each complaint seriously and to respond to consumer complaints swiftly ; we have completed our internal investigation, and this complaint is being closed. The results are below : Equifax must obtain proper identification from the consumer before disclosing any information regarding his/her credit file. In order to properly address your concerns and update your credit file, please submit a copy of a utility bill reflecting your current address, a birth certificate along with a social security card showing the social security number to Equifax XXXXffice of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX. You may also contact us at XXXX to speak to a Customer Service My identifying information is attached. Now please explain why my credit information was removed. 

Documents address to confirm address and name : NC Government Issued Drivers License with current address Social Security Card XXXX W2 also showing name and address
Consumer complaint received 2022-07-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC (MO)

Made a payment on the loan leaving a part due balance. I have consistently made a conplete monthly payment on my car loan for over 6 months but my lender refuses to consolidate late fees and reset the car loan in order to reset the loan. They call literally call DAILY for the past due balance and each time I tell them I can make the monthly payment again in 30 days. They call each and every day and demand the past due amount even though I pay them every month. Why they won't reset the loan is troubling.