davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I made a mobile deposit for a check for {$900.00}, I didn't notice it was XXXX and beyond the cutoff. I called custo.er service to cancel, so I can cash the check the next day, as I need the money and Monday is memorial day. They said it will be available by Tuesday. They say they can not cancel it. Then, I notice, I haven't put mobile deposit at the back of the check, so I cash it the next day since they will not honor it. I cash it and got the cash. Tuesday came and I verify, there was no credit so I assumed they did not process. I was also expecting {$1000.00} from a friend that she will send through XXXX. Then I didn't know that by wednsday they credited it back, I thought that was the money I was expecting. In short, I overdrafted because they reverse it the following day. I will pay back the XXXX but they should not bill me with so much overdraft fee. They pulled out past transactions that were already booked but qualifies as an overdraft and charge me with the fees. Those are 3 days ago transaction and should be good. This practice of Wells Fargo is not right. You can not pull booked transactions and charge it overdraft fee, because that transaction was legit and has funds. Imagine the millions of customers being charged by this operandi of Wells Fargo. Please make a through investigation on this scam. This is not a proper accounting.
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (GA)

As of XX/XX/2020 SLS manually reported to the bureaus a principle balance of {$370000.00} plus adding {$14000.00} of the deferred non- interest bearing amount to the balance. This non-interest bearing amount Of {$14000.00} has never been reported on my principle balance to the bureaus. Because of this my score dropped 58 points today, XX/XX/2020. 

The bureaus now show a balance of {$390000.00}. This is not fair to add the {$14000.00} deferred amount in the middle of my loan history to the credit bureaus.

Every month when consumers make payments, the balance should decrease- this helps the credit score Increase - by adding the deferred amount, placed an increased balance and significantly impacted the score.

I am in the process of closing on a home. My new lender is not able to provide a final approval for my loan due to the credit score drop of 58 points.
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (DC)

I was buying an international airplane tickets through XXXX XXXX, when I was about to pay my tickets a promotion was showing at the end " save {$250.00} and earn 40,000 miles when you get an XXXX XXXX, apply now ''. I proceeded to apply and lead me to another page, when I applied, I was approved " Congratulations ... you have XXXX '' but then an email was sent to me that I would received the card between 7 to 10 business days. Which means I can't use the card to pay my tickets at the end, usually at any store when you get a new cc you can apply your purchase to the new credit card immediately but it wasn't the case with XXXX Citi bank for my XXXX XXXX. I called XXXX XXXX and explained what happened, their answer was " is not on us there is nothing we can do about it, you ave to call Citi Bank cc. When I called CitiBank, they said " you have to wait till you receive the actual card to make your purchase ''. Now, the hold for an airplane ticket in XXXX XXXX is 24 hours only, impossible for me to pay these tickets with a credit card that will arrive in 7 to 10 business days. I hope you are able to understand my history, it seems to me that XXXX XXXX and Citi bank are playing with the customers, inciting us to apply for a credit card with the misleading promise that will apply a discount and provide us millages immediately. I believe this is an unfair business practices, and should be review it by the GOV. Thank you very much for your time and hope you can look after us. Applying to a credit card is expensive, then is not fair to be plaid by these kind of wrong practices.
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation (TX)

The collection own my account sinceXX/XX/XXXX, *I did not receive any letter or call from them * after I called them 4 times they did not cooperate I started call them late XX/XX/XXXX * I requested more information no one response till they received letter from the court they start send letters to me. Around XX/XX/XXXX with late date on the paper *they harm my credit report for about 2 years without give a chance to fix it
Consumer complaint received 2022-08-27
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. (GA)

Hello I did a investigation into my credit report and found that there were inaccuracies on my credit report. 

======================================================================================================== Account Name : XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act 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 ==================================================================================================== Account Name : XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act 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 ===================================================================================================== Account Name : XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act 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 ======================================================================================================= XXXX  XXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions ==================================================================================================== XXXX XXXX  In accordance with the Fair Credit Reporting act, 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 an account without my written instructions =============================================================================================== XXXX XXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions ===========================================================================================
Consumer complaint received 2020-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Received notice from XXXX county, NC tax assessor 's office that my residential property was granted a Homestead Exclusion. This resulted in a 50 % reduction in my Assessed value which is what is use to calculate my tax payment. I received this notice XX/XX/2020. 
I requested my lender, SunTrust now Truist run a updated escrow analysis so my monthly tax escrow amount could be adjusted. I provided the written government document to them. 
I heard nothing, I made at least 4 additional phone calls requesting this update to my loan. Each time they told me they did not know the county tax rate and couldn't obtain it from XXXX county. I requested they use the current rate but they refused. 
As a consumer and senior citizen I feel this was a very appropriate request that could be easily handled. Mortgage lenders calculate rates as standard practice when setting up escrow accounts. 
Excess money is now being held in my account. Yes it will be refunded to me at the beginning of the year but I'm being denied the monthly saving the Homestead exclusion affords. 
I see no reason for their refusal and feel like they are violating my consumer rights. If they are doing this to me they are doing it to others.
Consumer complaint received 2019-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (NY)

I went to the dealership with an promise of just being an guarantor on an car on XX/XX/XXXX. Unnoticed to my knowledge i signed for an XXXX XXXX XXXX XXXX XXXX worth XXXX and an car loan for XXXX plus interest as well as insurance with XXXX with promises to pay {$860.00} at an later date. I didnt know that everything was going to be in my name and that i would be fully responsible for these payments and further more i didnt have an liscense to operate an vehicle or get insurance.
Consumer complaint received 2019-03-29
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 was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm also doing this on my own. XXXX XXXX XXXX XXXX, XXXX { XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX XXXX/XXXX.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clark County Collection Service (NV)

I discovered a collection account while checking my credit report. The account was one I had no clue of and they never sent me a letter notifying me of the account, my right to dispute and a time limit to do so. as such i thought my only option had been to pay on a debt I didn't owe. Upon reading 15 usc 1692 also known as fair debt collection practices act and 15 usc 1681 also known as the fair credit reporting act, I discovered my rights to defend myself and ask for validation. This company however refused by sending me a letter stating I had 30 days to dispute and ask for validation. And they also included an invoice for the account which they stated to be " courtesy verification ''. That invoice itself makes no sense because all it proves is that someone claiming to be me may have opened an account not that I used thatservice or should be liable for the alleged debt. Their claim of a 30 day limit also is void as they never sent me the notice required by the FDCPA in the first place. How can a time limit dependent on my reciept of a written communication begin if they never sent me that letter. I also requested proof of the letter and the proof of mailing if they had sent it like they claimed. The only answer I recieve from that company is a template letter and their absolute refusal to follow legal guidelines.
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX  RELENTLESSLY SENDS MY INFORMATION ( PHONE NUMBER EMAIL ETC ) TO COLLECTION AGENCIES WITH FALSE DEBT. DOESNT MATCH MY NAME OR MY SOCIAL SECURITY NUMBER. IVE FILED FRAUD CASES WITH THEM AND TOLD THEY WERE RESOLVED. JUST THIS WEEK I GOT ANOTHER EMAILS FROM ANOTHER COLLECTION COMPANY SAYING I OWE {$830.00} ON A CREDIT CARD IVE NEVER HAD WITH THE WRONG NAME AND WRONG SOCIAL SECURITY NUMBER. THEY HAVE DONE THIS 3 TIMES NOW. IVE FILED FRAUD REPORTS WITH THEM XXXX  WITH THE FTC ABOUT THIS AND THEY CONTINUE TO DO IT. THEY DESTROYED MY CREDIT WITH IT LAST YEAR AND ARE ATTEMPTING AGAIN. I DONT HAVE ANY CREDIT WITH XXXX. THE 2 I DID HAVE ARE PAID AND CLOSED BY CONSUMER YET, THEY CREATE FALSE ACCOUNTS WITH DIFFERENT MERCHANTS UNDER MY LAST NAME EMAIL AND PHONE NUMBER.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My balance due on my Bank of America credit card statement for the period of XXXX was {$290.00} with a payment due date of XX/XX/20. I sent a check for {$290.00} to Bank of America which was cashed by them and applied to my credit card account on XX/XX/20. I received my next Bank of America credit card statement for the period of XXXX fully expecting that there would be no interest charged to my account as my payment was 1 week before the due date. To my surprise I found that they charged me {$2.00} interest on my prior months balance. I called Bank of America 's customer service number to ask why I was charged interest when my payment was 1 week before the payment due date and was told that in order not to have interest charged the payment has to be received before the statement end date which was XX/XX/20. I asked how can a customer pay before the statement end date when the statement isn't mailed out and received until days after the statement end date and customer service told me that I should monitor the account online. I explained how absurd that was and they said that all credit card companies do this, I checked my other credit card statements and did not find any other credit card company doing this. I feel that their policy is unfair and unworkable to the average consumer, especially those who do not have computers and access to their online accounts. If a credit card statement lists a payment due date and the payment is received by that due date the customer should not be charged an interest fee. If you multiply this unfair interest fee times 12 months and the millions of customers Bank of America has you can see that they are unfairly making millions of dollars at the expense of consumers. This is not right, especially in this unstable economic period.
Consumer complaint received 2019-03-29
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: Experian Information Solutions Inc. (GA)

I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm also doing this on my own. XXXX XXXX XXXX XXXX, XXXX { XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX XXXX.
Consumer complaint received 2022-05-14
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 (DE)

Paypal closed my account after I had just received money from XXXX. 
They asked for proof of Identity and I sent my National Identification card and a copy of my bank statement. I have tried to contact them but they are always answering with the bot. Now I have finished making the client XXXX design but my payment is being held by Paypal and they refuse to respond even after I have tried all means to contact them
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/2021 I notified TRANSUNION by certified mail of the following accounts : XXXX. XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) permissible purposes of the consumer reports in general - subject to the subsection of ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is public information and TRANSUNION has been negligent and continues to commit civil violations against me. TRANSUNION has been furnishing these accounts on my consumer report without having my DIRECT consent! This is completely identity theft! They continue to provide me with investigation results stating the account has been verified as accurate - but fail to provide any adequate documentary evidence of having my direct consent. I have called their customer line and fraud department on several occasions and they refuse to assist me with my issue. They state they have not received anything from me or they received insufficient information from me. I demand they be held accountable for their violations and demand monetary compensation! I demand that TRANSUNION delete these accounts immediately! Today, XX/XX/2021 I received a response to the CFPB Complaint XXXX from TRANSUNION stating that they will need to " verify '' the information being reported on my consumer report. What federal law gives TRANSUNION any authority to " verify '' these accounts and needing to contact the creditors to verify? I am demanding that TRANSUNION provide me the federal law that states they have any authority to " VERIFY '' anything on MY consumer report. Also there has been an abundant number of " investigations '' done by TRANSUNION and the law clearly states that these " investigationgs '' shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 15 USC 1681a ( e ). I am also just getting an automated generic response to my complaints!
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I am mainly filing this complaint on XXXX, Experian. XXXX, Experian has failed to follow the law according to FCRA requirements. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. XXXX XXXX XXXX has failed to send the original signed consumer contract. If I have failed to get proper documentation how can XXXX, Experian say these accounts are verified and meet FCRA requirements. XXXX  has continually failed to comply with Section 609 ( a ) ( 1 ) ( A and has stopped me from attaining new credit with the erroneous accounts on my report. I have attached all corresponding mail from XXXX XXXX XXXX.
Consumer complaint received 2024-10-27
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> my vehicle was wrongfully repossessed by wells fargo while I was at work. I have never had wells fargo so i was extremely confused when I found out from the towing service that wells fargo had repossessed my car. I had to take time off work to call well fargo and even go to a branch in person of which didn't help as nobody understood how they repossessed my vehicle when I had never authorized an account with them. after 2 weeks I was able to speak with someone in head management at wells fargo and they had the towing company to drop the car off at my apartment. I had also asked wells fargo for a letter explaining their error as it was extremely humiliating to have my car repossessed in front of my job and in front of my coworkers and i also asked them to pay my transportation as they illegally kept my car for almost 3 weeks as it took them time to verify account was fraudulent and not mine. Not only did they not provide the letter or payment but my vehicle was repossessed for a second time shortly after as whoever was working on the case did not close it properly. I was without a car and once again had to go through the process of calling wells fargo and explain to the representative that they wrongfully took my vehicle. Once again they delivered car to my apartment and completely ignored all my requests and ran off. Now that I am seeing that wells fargo is going through the ringer for fraudulent accounts it proves the fact that what they made me go through was a product of fraudulent play within the company. I have both the previous case number and multiple emails sent to wells fargo with reciepts of transportation charges and letter from employer regarding day off from work. 

Case # XXXX
Consumer complaint received 2018-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2018 I mailed reinsertion letters to XXXX, XXXX & Transunion because some items that were removed had been placed back on my credit report showing derogatory marks and hindering my financial future please see attached letters & certified mailing receipts to XXXX, XXXX & Transunion
Consumer complaint received 2022-09-06
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws 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 misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.