davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (FL)

This is a continuation from CFPB complaint # XXXX. I am sending XXXX XXXX XXXX my hardship packet in order to go on a fixed monthly payment and in a effort to suspend or lower, the {$22.00} variable interest I am still adding to a {$3600.00} store card ( XXXX XXXX ) that should be in charged off status already. 

My name is also on a offset status with XXXX XXXX and XXXX is in charge of making sure any federal payments are held as well as my wages. I hope the packet gets approved and I will no longer be in that status and be allowed to pay {$300.00} monthly at {$75.00} weekly. At this moment the debt is at approximately {$4300.00} with the charged that XXXX charges for their service. I have attached the packed sent to them XX/XX/XXXX via USPS. 

According to the XXXX reply on CFPB complaint # XXXX, this debt is at over {$4100.00} on their letter inviting me to complete the hardship packet. They also sent a dues charges sheet with a total due as of XX/XX/XXXX of {>= $1,000,000}. I believe this 2nd one is a typo. There is also a statement dated XX/XX/XXXX of {$3800.00} for XXXX XXXX which I am not related to nor have I named him as an authorized user for the account, this must also be a mistake. Please make sure these mistakes do not get added to my debt for ANY reason as other cases that XXXX has been involved in the past. 

This card was originally opened in XXXX during my military service and in XXXX I was not able to keep up the debt due to the state of the world. I was placed on their hardship program and was debited from my XXXX bank account monthly until there was a missed payment which caused the account to go on default status. 

The debt around that time was {$2600.00} ( from a {$3600.00} limit that the card had ) and I was only able to pay {$40.00} monthly which was only covering barely interests which had gone back to accrue due to the default status ( this card never gets " charged off '' apparently ). 

I lost my XXXX account and this account went back up to over {$3000.00} and through XXXX and XXXX I have been trying to pick up the payments to try to settle but if this account is delinquent it should not be still accruing interest on the original limit of {$3600.00}.
Consumer complaint received 2023-01-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (NV)

My issue is with XXXX Synchrony Bank credit card. I reached out to CFPB regarding a settlement but XXXX refused because the debt wasn't at the six month mark. Instead they chose to report negatively to all credit bureau 's lowering my score. Knowing that I was unemployed and in a difficult financial situation. 

I received a letter from XXXX on XX/XX/XXXX, regarding a letter serving effective on XX/XX/XXXX. From XXXX XXXX XXXX stating that they have placed my account with XXXX XXXX XXXX, L.P. for servicing. And their records show that my account has an outstanding balance not yet resolved for {$1200.00}. And if I do not resolve my account before the end of the prelegal track. It may be forwarded to an attorney to review for a possible lawsuit.
Consumer complaint received 2023-01-21
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-21
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: FIRST NATIONAL BANK OF OMAHA (WI)

Well none of your options fit my problem. I went to ask my fnbo card a question but dialed wrong number. I already deleted number. They asked repeatedly for account verification and I told them everything. They made me listen to adds I became enraged and they hung up. In the morning I called the card again to complain of the call. They said I dialed wrong number and they had already declined charges they had put on card from the adds they made me listen to but assured me they would not charge me for but did. Fnbo advised me to file an identity theft report here.
Consumer complaint received 2023-01-21
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 — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (FL)

Around XXXX and XXXX XXXX XXXX my residence was Impacted horribly by two hurricanes Natural Disasters back to back. I have lost everything. I called and got extensions assistance for my other bills. Everyone understood our situation. I called Affirm and they had nothing to offer me. I was able to pay off the accounts but now they have damaged my credit score. Not even updating they accounts are paid off.
Consumer complaint received 2023-01-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MD)

As of XXXX  I have been disputing multiple violations on my credit report dutle to i.c. systems. First have not ever received any correspondence or notification regarding the debt in order to dispute the debt. Second, I have not given ANY EXPLICIT PERMISSION, to XXXX XXXX XXXX XXXX XXXX to sell my personal informations which is a complete violation of my HIPPA RIGHTS. THIRD, I HAVE SENT a debt validation request, involving my identification and my social security number, on the document certified mail. Asking to breakdown fees including collection cost and medical charges, a COPY of my signature with the provider of the service to release my medical information to I c systems, and to cease any credit reporting until it has been validated. Which has not happened they have recently reported XX/XX/XXXX I believe. They have denied my request to validate my debt and still have yet to delete the debt from my credit report yet again violating FCDPA AND FCRBA. THEY CLAIM THAT ARE UNABLE TO RESPOND TO THE IDENTITY. BUT I HAVE PROVIDED ALL INFORMATION REQUIRED BY LAW. It is obvious that to me that they are not willing to follow the laws stated above. I am requesting assistance and redress.
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

Dear Sir/Madame- I am a first time home buyer. 

I bought my home in XXXX. Wells Fargo Bank was the mortgage holder. 

In mid XXXX, apparently my home owners insurance expired. I had no idea it expired because I never received notification about it expiring. 

Wells Fargo Bank required me to accept their insurance carrier at a cost three times what I would have been required to pay for two years ( XXXX to XXXX ). 

This requirement by Wells Fargo Bank was improper and the bank provided no guidance or assistance to me in reference to obtaining the required home owners insurance. I later discovered a class action suit focused on Wells Fargo Bank 's forcing their home owners to accept their insurance took place. I was informed after further investigation that Wells Fargo Bank mortgage home owners received compensation but I was never notified about the class action suit, nor did Wells Fargo Bank ever informed me of the suit. 

Recently, in XXXX, Wells Fargo Bank did a home owners appraisal of my home. The bank appraiser stated in the report we had a two story home but our home is three stories. I notified the bank about this error and the bank said do not worry about it because the appraisal was a procedural requirement due to COVID refinancing. I later determined the appraiser used comparable homes as far away as 20 miles from my address for comparison. I informed Wells Fargo Bank of this improper appraisal and they have yet to respond. I notified the bank approximately one year ago and recently sent them a e-mail reminder two months ago with no results to correct my appraisal or to do a new one. 

The latest appraisal came in over XXXX XXXX dollars less than what average smaller homes with half the square footage of my home in my development sell for, therefore, drastically decreasing the value of my home. I am a XXXX XXXX and I reside in the XXXX, Georgia area and there is a pattern of appraisal discrimination resulting in decreased values of property. 

I am seeking compensation from Wells Fargo Bank as my mortgage holder and an apology form them for their failure to respect my request to correct and complete a proper home appraisal in accordance with the State of Georgia requirements. 

Thank you.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My XXXX XXXX XXXX  Credit card XXXX reported as CLOSED on XXXX XXXX XXXX XXXX XXXX  however it was 13 days late reporting closure on XX/XX/XXXX instead of the prompt mandatory Metro XXXX and FCRA required XXXX reporting on XX/XX/XXXX. As of XX/XX/XXXX, this Closed account still has not been reported as Closed to Equifax and the last reporting was XX/XX/XXXX in willful violation of XXXX XXXX and FCRA protocols. XXXX Bank was required to report XXXX to Equifax on XX/XX/XXXX so it is now 30 days late. XXXX was required to be reported simultaneously to every CRA on XX/XX/XXXX instead of piecemeal only after receiving a XXXX XXXX compliance complaint. Due to XXXX XXXX obvious compliance deficiencies my TD Bank Target account must be deleted from all my credit reports permanently plus statutory damages of {$1000.00} for each and every FCRA willful violation of the FCRA against every violator.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

As per the recent article Wells Fargo between XXXX and XXXX has a settlement between {$3.00} XXXX and I was a customer during this time. I feel like I am owed compensation for their errors
Consumer complaint received 2023-01-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KLS Financial Services, Inc (MS)

KLS FINANCIAL SERVICE XXXX XXXX  {$110.00} Ive tried several Times to dispute this information to have it removed from the credit bureau because its damaging my credit and the creditor refuses to do so, and now its been passed all medical debt under {$500.00} is supposed to be removed and they still will not
Consumer complaint received 2023-01-21
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. (TX)

Experian, XXXX, and XXXX must remove and delete the false reporting by XXXX XXXX XXXX opened XXXX/XXXX/2032. I have disputed this account directly and this error has not been removed, this is not my account and I have had identify theft.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I have wrote Experian two times about deleting unknown addresses and inaccurate information from my credit file but yet they still refuse to delete addresses and the inaccurate information that I have no knowledge about are addresses that I can not receive mail at nor addresses that I never lived at.
Consumer complaint received 2020-04-03
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)

After reviewing my credit report I noticed false and fraudulent information reported on my credit history. I am honestly disappointed and tired of scammers stealing identity and using it as there own! Only to hurt working class individuals like myself, livid!
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

In XXXX I open my checking account and in XXXX Wellsfargo accuse me of putting a fraudulent check into my account and in XXXX they sent me a measly {$500.00} that was not enough for the mint to anguish and the embarrassment and they just hit me just really upset at that time I was XXXX XXXX XXXX. I am XXXX now I would like to get at least $ XXXX {$7500.00} from that what I went through because they reopen my account back in XXXX and sent me that the measly {$500.00} I think and I know I should get more than that
Consumer complaint received 2023-01-21
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: TD BANK US HOLDING COMPANY (FL)

I received an alert from XXXX that a credit card was opened in my name with XXXX. This is fraudulent activity and I can prove it if given the opportunity. I did not open this account and did not make the purchases. I did not open an account/card with XXXXXXXX. I filed a dispute with XXXX but the update came back " verified as accurate. '' This leads me to make this appeal to you. This is very concerning and confusing. The account is not verified and it is not accurate, its a crime. I tried to dispute the address with XXXX but because the account is seen as accurate, it wont even let me. I have never lived at XXXX XXXX XXXX. 

This is my second time presenting this complaint to CFPB the first one was closed and should not have been, this matter is not resolved. On XX/XX/XXXX, I returned the signed affidavit to XXXX  and have received nothing. Mind you, the company sent me an affidavit via email in XX/XX/XXXX. Additionally, the company sent receipts and pictures in the CFPB portal, but I wasnt immediately aware of that either and therefore it took me longer to respond and so they probably assumed I was claiming ownership but that is not the case at all. 
Please help!
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AL)

I had to stop using XXXX because money use to come out my account Everytime an I always called an tell them I miss money they always say Im not but I kno what be in my account an my friend said they use to take money out his account as will
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo made me resigned my lawyer and did not want to give me a loan modification. When I resigned my lawyer, they didnt modify my loan but forced a forever range balance on my mortgage. Later on the loan was solved and it still Carries forward the forbearance.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

This is a continuation of complaints XXXX, XXXX and XXXX USAA called my wife on her XXXX phone this morning in XXXX ( XXXX XX/XX/2023 ) and she called back and authenticated with her USAA ID. Despite the fact that they called her on the XXXX  number on our account and that we submitted ( and they confirmed receipt ) of our passports, her residency card, and military orders showing our current location, they claimed they were not able to authenticate her identity. And I even sent our recently filed taxes ( I literally just filed it on XXXX XX/XX/2023 and it was confirmed in receipt by the IRS ) since the customer service agent that I talked with yesterday needed to confirm income ( I told her I am the only one with income in our family ). So they also have this as well. 

Despite the fact that I have called and talked with customer service half a dozen times since they froze both of our cards, provided them with the aforementioned documents, authenticated with my full credit card number and information and social security number and now even them talking with my wife on the XXXX  phone number associated with our account ( even though we took charges to have the call with a US number ) and she authenticated with the USAA ID, they stated they do not have enough information to authenticate us. This is beyond ridiculous and they apparently are choosing not to recognize government identification. I am reaching out to a lawyer to discuss my next steps as soon as I can reach one ( Ill have to find one I can talk with on Saturday ).
Consumer complaint received 2023-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello, I am currently facing an issue with PayPal in which they are not providing me with any assistance. I have been using PayPal to receive payments for small online jobs such as answering surveys and completing microwork tasks. These small jobs have been helpful in supplementing my income and expenses. Some of the tasks I have completed include answering surveys, editing photos, removing backgrounds from photos, and writing articles. 

On XX/XX/XXXX, I received a notification that my PayPal account had been permanently limited/banned and that my funds would be held for 180 days. I immediately contacted their online support through the " Message Center '' on the PayPal website. I had worked hard throughout XXXX to celebrate the holidays, and now my account is being held without any explanation. The only answer I got from them are : " We've reviewed your account and determined that you're in violation of PayPal 's Acceptable Use Policy. Specifically, unapproved activities involving gambling, gaming and/or other activity with an entry fee and a prize. '' " I am sorry but we can't grant your request as we decided to permanently limit your account. We appreciate your interest in PayPal ; however, our decision to leave your account in a permanent limitation status is final. '' I want to assure you that I am not using PayPal for any gambling-related activities, and I would like to request that they lift the ban. I do not have any disputes on my account, and they can check as many times as they want, they will not find any gambling-related activities or disputes. I have always been compliant with their terms and conditions. 

I am hoping that you can assist me with this matter, and I look forward to hearing from you as soon as possible.
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (MA)

in accordance with the fair credit reporting act XXXX  1 ' ) account XXXX original account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 29602 has violated my rights!

15 U.S.C.1681section 602 A it also a consumer reporting agency can not furnish an account without my written instructions.

2 ) account number : XXXX XXXX XXXXXXXX BANK N.A.
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I made my payment on time but it was short although I was unaware at time that payment had changed due to end of year refiguring. They put that payment into suspense and took my next adjusted full payment and applied to last payment leaving me a month behind. They never contacted me and left the other payment in unapplied account. This went on for year and a half during XXXX. I did get statements showing payments behind at the time and late payments some showing current some showing XXXX payments behind XXXX showing shortage that I sent and I even paid late payments. During this time I also received a letter saying payments were being received late due to mail problems so I sent my payments earlier to avoid late payments. Never advised I was showing a payment behind. Eventually they charged my mortgage account for bad debt insurance policy. I am on XXXX for XXXX XXXX and admit I can not handle stress and easily get confused on paperwork when I used to be Comptroller and handled huge accounts so I avoid conflict but I finally called and started the fight. My bank informed me that my online payments do not go through the mail but are ETF and they get same day, eventually I argued with Wells Fargo all day and found out they held my payment in an unapplied account for months then applied supposedly to my balance instead of payment. They took into profit all my late fees although I was not late. They took into profit a bad debt insurance policy they created without my consent and Im sure have renewed each year and affected my credit with no reason whatsoever and when they discovered their mistake offered no apology or recompense.
Consumer complaint received 2020-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have sent XXXX  several disputes on inquiries that are listed on my credit report that I did not authorize. I told them that is was a violation of the Fair Credit Reporting Act Section 168b ( c ) and that it was a serious breach of my privacy rights. XXXX  keeps responding back saying that the inquires are factual records of file access. These inquiries are unauthorized and i want them deleted immediately. They are non account holding inquiries that the refuse to investigate and delete. I have wrote several of these companies and just within a weeks time I have received returned letters back because the mail is undeliverable and these are the addresses that I got from my XXXX  report for these companies. How can they verify these inquiries if they are sending me undeliverable mail back. XXXX  is not investigating my report correctly.
Consumer complaint received 2023-01-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo held our mortgage from XX/XX/XXXX - XX/XX/XXXX. In that time we tried to modify our mortgage and was guided by Wells Fargo to do certain things. Wells Fargo never modified our loan even though we complied with all criteria and foreclosed on our home in XXXX