davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

As of today XX/XX/year> at XXXX Wells Fargo overdraft my checking and savings account as well as XXXX checking account of my son that is with mine. The saving they overdrafted it by {$430.00} and my checking by {$200.00} and my son {$100.00}. After I spoke with the customer service they stated that there were items not pay for. And told them all the charges on my account were paid for because my account does not accept overdraft charges. And they said they couldnt do anything. So I need to complain or sue this bank for trying to defraud me.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

1. There is no FCRA date, DOFD date ( reported by CO ) 2. As a result - there is no " On Record Until '' date 3. There is no CLS - Closed date 4. As a result - the account is still active - open, and not accurately

5. The status code - appears incorrect. 
6. Paid, Closed. {$290.00} written off is what you reported - merging 2 status codes from Metro2 file specs 7. It should reflect code 64 ( account status code - Metro2 - ), account paid in full was a Charge - off, and as the final status of this account 8. After the amount was charged off - and after payment from me to bring the amount to XXXX - it was no Longer, written off as you collected the amount due 9. The Payment history is incomplete 10. The Final Payment made - to get to a PAID - after charge off status was never reported, even when CO updated the status of this tradeline in XXXX ( Date Reported ) 11. Last Payment amount is Blank - Pay History/Balance History 12. Last Payment Date is not reported - Pay History/Balance History 13. Balance - is blank 14. Balance Updated - is blank What does " payment after charge off/collection '' mean? FCRA/Metro2 Credit Listing Violations are causing me to get rejected by other credit grantors.
Consumer complaint received 2019-10-26
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: Franklin Collection Service, Inc. (TX)

Disputed an unknown collections account from a company I have never been credited with. Disputed and was somehow verified. Now they are flagging my account every 3-4 days ...
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I sent letters to XXXX, Equifax, and XXXX on XX/XX/2021 with no response from any of the credit bureaus against my request to remove all addresses and incorrect personal information that does not belong to me on my credit report. 

XXXX Incorrect Names - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax Incorrect Names : XXXXXXXX XXXX XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2019-10-26
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. (CA)

I have accounts on my credit report for XXXX that are not my accounts. These accounts were opened up without my knowledge and are fraudulent. The accounts are listed below. 

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (MI)

We had a mortgage with Pacific Union Mortgage opened in XXXX and closed in XXXX due to the company being sold. Since then, the new company, Nation Start, Mr. Cooper has been updating my old status incorrectly. They keep adding late payments to my old account that are inaccurate. I have tried to resolve this, but every time I contact them requesting verification they simply go into my account and change my status to a worse payment history. My account is reporting incorrect payment history that needs to be deleted. The account needs to be updated to never late or deleted as I have asked repeatedly for verification of payment history and they refuse to provide it, but it seems out of spite, they are making my account status worse every time I ask for verification.
Consumer complaint received 2022-11-18
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. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2019-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (FL)

As of XX/XX/2019 Citibank charged me a maintenance fee of $ XXXX.My account at the time had {$0.00} available.I was then charged a {$34.00} overdraft fee on XX/XX/XXXX. 
How can a bank maintenance fee authorized by Citibank be the cause of my account to go into the negative and then be charged an overdraft fee the following day for insufficient funds? 
The Citibank customer service reps agreed with me but then stated there is nothing they can do about it. 
If I authorize a transaction that exceeds my balance and the bank pays the transaction on my behalf would justify the cause of an overdraft fee.This just doesnt seem right at all. Please help.
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (OH)

I had an account with Chime They asked me to provide proof of several things and I did then stated they decided to close my account and wouldn't give me a refund! How can they justify just keeping someones money? {$8100.00} remains in this account. I have been going back and forth with Chime/XXXX  via email since they closed my account XX/XX/2021 XXXX
Consumer complaint received 2021-08-09
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc. (CA)

Collection agency has failed to remove the debt from my credit report after I paid in full. Collection agency representative can not give me a date as to when it will be removed. Agency representative said it was " a good thing I called or it would have just sat here with a XXXX balance, if I want it removed I can go ahead and have the credit company call them ''. Company never informed me of intention to report to credit agency. This has all happened during COVID when finances have been at their worst.
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (MA)

TL ; DR American Express does not always use correct customer name and address when it mails materials to the customer. When the customers reports the problem of non received mail to American Express, the company is arrogant about investigating the issue and simply assumes that its systems generating mailing labels for the envelopes are working correctly. 

There are two responses from American Express to CFPB that I am attaching. One claims that an American Epxress credit card was mailed to me in a package that was addressed to my name and address I had on the account. The ohter claiming that a {$50.00} check was mailed to me in an envelope that had my name and address on the mailing label.

None of the materials were actually delivered to me. I asked American Express that one of its representatives should manually verify that name and address that is being printed on the shipping or mailing label when American Express mails some materials to me, but it seems that American Express does not want to bother troubleshooting the problem to identify the source of the error in its system.
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

Well 's Fargo won't pay out the IRA from my parent 's estate to us because I am unable get medallion signature from anyone -- even them. I have spent hours and hours trying to get this and I am unable to. Not even from Well 's Fargo. So I guess they plan to keep my money- even though it's a relatively small amount. I am a busy professional, I have lost work time in my attempt to get that medallion signature. I even called their Estate Care Center and they couldn't help me!!!!
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written instructions.
Consumer complaint received 2019-10-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (LA)

The wage garnishment is from an auto repo in XXXX from Credit Acceptance Corporation. 
I had a judgement against me in XXXX. I could not pay as I was back on SSDI. In XX/XX/XXXX I received a letter from an attorney, XXXX XXXX XXXX XXXX, delivered regular mail not certified stating that papers were filed to have my wages garnished. This was the first time I ever heard from this attorney. Around the XXXX of XXXX I received notice again by regular mail, dated XXXX from my employer 's payroll service XXXX stating my wages were going to be garnished for XXXX by deductind 25 % from each check. I never received notice from the lawyer or the Sheriff Office. I have custody of my XXXX grandchildren and I am head of household. There is no way I will be able to pay my bills and provide for our basic living needs. Also, I work for a corporation who subcontracts for XXXX  [ XXXX and XXXX XXXX ] a XXXX XXXX who has a difficult background check to pass, which I have not cleared yet. Financial obligations are part of the background check, with that being said I am concerned about being cleared with this wage garnishment. 
I may loose my job.
Consumer complaint received 2023-08-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # : 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 any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This Debt is not mine, I have reached out to this company for validation with no response. They are reporting inaccurately on my credit report, this company and the company they collect for are reporting as if I owe them a debt and I have never heard of either of these companies and I have never agreed to pay them anything. As in the above mentioned laws in accurate information must not be reported erroneously on a consumer. If so it must be deleted.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I have provided the reports with all FTC violation on these accounts 4 months later they have done nothing to resolve the breach that XXXX has known and claimed that was their fault please correct my credit so I can go back to my daily life as a hard-working agent that is just providing food for my family
Consumer complaint received 2021-08-12
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: Bread Financial Holdings, Inc. (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. CB/VICSCRT Account Number : XXXX This is not mine. 

4. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

XXXX XXXX XXXX, XXXX, CT XXXX, USA using my backround check without my consent couldn't open bank account with them because of adverse action taken with XXXX
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I am unable to open an account using the Bank of America in XXXX, Arizona due to the following : of unable to identify social security number, and the person using my social security number. Someone is already has a existing account with the same exact social security number.
Consumer complaint received 2021-01-20
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: I.C. System, Inc. (GA)

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

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 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX, XXXX, XXXX, XXXX, 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 instruction.
Consumer complaint received 2021-01-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (PA)

Over the course of the last two months, I have made additional principal only payments in various amounts, Instead of applying the principal payments to the remaining principal balance, Veterans United Home Loans has advanced my due date of the next regular monthly payment. I have made all my regular payments, I have never been late or missed a regular payment. I have sent them several messages thru the company payment internet site, With no resolution, I have rated their service on their website and got a call back from a XXXX XXXX ( XXXX ext XXXX ) on XX/XX/XXXX who has told me problem can be fixed if I make another regular payment, which I did with some more " extra Principal payment. This caused my regular payment due date to advanced by yet another month ( XX/XX/2021 ) and that additional principal payment caused my regular payment to be reduced in the amount of the " extra principal '' I have sent XXXX a screen shot this, and have not received a reply. I also reached back out to XXXX a few days ago, and got no reply, I have sent XXXX screenshots of my bank statements showing the payments they have received from me, the meanwhile I am being charged that interest on a balance that should be lower. 
This loan has no penalty for early payoff, I do not wish to be 3 months ahead on regular payments, all that extra money was for the principal as I have selected when I made the payments and have made very clear to Veterans United. Thank you
Consumer complaint received 2024-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CA)

I was approved for a ( double cash back credit card ) by Citibank on XXXX, 2024. Ive spoken with a Citibank representative Two times and was told there was a delay. On the second attempt I was rewarded points for my patience, that in itself should prove Ive been waiting too long. Today XXXX I am attempting to make my third attempt on getting my Credit Card I was approved for. My Credit Score was not put on the line for no reason. I will be speaking with a lawyer if this is not resolved within next 7-21 businesses days.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CT)

On XX/XX/XXXX I transferred {$50000.00} to Ally Bank to take advantage of a account Bonus promotion. The promotion was deposit NEW money into your Ally account and receive a 1 % Bonus up to {$500.00}. My bank transferred the {$50000.00} on XX/XX/XXXX and Ally received it on XX/XX/XXXX. I know this because I called Ally on XX/XX/XXXX to verify they had received the money on XXXX since it was the last day of the promotion. The Ally employee told me they had the {$50000.00} and it was pending. I asked if the fact that it said pending meant they actually had the money and that it did qualify for the promotion and the 1 % Bonus. The Ally employee assured me that it qualified for the Bonus. The money had to remain untouched until XX/XX/XXXX when it qualified for the Bonus, which would then be deposited into my Ally account on XX/XX/XXXX. I noted this in my calendar and called on XX/XX/XXXX to verify the deposit of {$500.00}. I was told that I would not receive the Bonus because the money was not deposited until XX/XX/XXXX. Ally said they had an internal note placed in my account in XX/XX/XXXX advising I was not eligible for the Bonus, but that info was not sent to me. I spoke with a supervisor on XX/XX/XXXX and filed a case regarding this matter. I was told a few days I would get a response. I have called a total of XXXX  times and have been told 3-7 days, 7 business days, 14 business days, give it another week and now have been told that there are SO many complaints regarding NOT receiving the Bonus that the department can't get to answering all the outstanding cases. Online there are groups of people writing about the problems they are having with Ally Bank regarding NOT RECEIVING their 1 % bonus. This situation is unacceptable and during these 2 months of waiting for a resolution to my case and the payment of my {$500.00} they are also holding my LARGE sum of money. PLEASE intervene and help. Thank You