davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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. (IL)

XXXX Disputes Address XXXX XXXX XXXX XXXX : Credit Dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX Act : XXXX - Letter of Explanation - SS of Credit Charts XXXX Report # : XXXX Date Generated XX/XX/XXXX I just confirmed today, XX/XX/XXXX, with the collections dept at XXXX XXXX that the dispute results above were inaccurate. After my XXXX XXXX XXXX was totaled in a car wreck in XX/XX/XXXX, my car insurance wrote a full check to pay off the balance of the car & then I leased a new XXXX XXXX. I do not owe XXXX any funds. Nor should this be reporting on my credit at all. The acct was closed and paid in full at the time of my accident in XX/XX/XXXX.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

the charged me too many overdraft fees for many years they will hold my pay check on purpose so that i fell negative on my balance they managed to pay some transactions while been low on funds to charge me XXXX for overdraft fees ( my pay check deposited been on hold ) also and they open bank accounts i never requested all this happened in the last 30 years i ve been a wells fargo client ....
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (NJ)

somehow my account was hacked, and someone deposited a check from a mobile device and withdrew 2000 $ do being that the account went negative i was charged late fees as well as my paycheck that was deposited was taken for something I DID NOT DUO WHEN I CONTACTED XXXX XXXXXXXX XXXX associate hung up on me and told me there was nothing, she could do they ended up closing my account. this happened. Between the months of XXXX. 


''I no longer have access to the accounts for documentation. ''
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (CA)

In accordance with the Fair Credit Reporting Act, The credit bureaus did not correct my accurate name, they did not update my current mailing address, list of accounts in violation : XXXX XXXX XXXXXXXX Partial Acct # XXXX, XXXX XXXXXXXX Partial Acct # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX Partial Acct # XXXX XXXXXXXX XXXX XXXX. Partial Acct # XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX Partial Acct # XXXX HARD INQUIRIES LISTED WITHOUT MY AUTHORIZATION. 
Has Violated my Rights. 15 U.S.C. 1681 Section 602 A. that States I have the right to privacy. 15 U.S.C. 1681 section 604 A sec 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-19
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. (PA)

XXXX reported corporate business card to my personal credit report. 
I'm not working for this business anymore but the information is still on my credit report and the bank is refusing to remove it. 
This against the Law and should be removed immediately. 
Thanks.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (SC)

Someone used a wire transfer to wire money from my savings account at Wells Fago and I have been told that they can not give me the money back because they said I authorized it. I DID NOT! This happened on XX/XX/2020. I have been trying since then to get my money back.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper, formerly Nationstar, unilaterally and without notice to me transferred the servicing responsibility for my loan to a new company called XXXX. 

Because I never had notice, my auto-payment for XX/XX/2022 went to Mr. Cooper. 

Now I've asked them to return the money to me, with no response. 

Meanwhile, XXXX claims I'm in default because I ostensibly didn't remit payment for the XX/XX/2022 amount. 

Additionally, and as a secondary matter, Mr. Cooper demanded additional funds monthly from me a few months back, effectively changing the monthly payment from XXXX XXXX XXXX to XXXX XXXX XXXX. No explanation was provided. 

Now apparently they've simply absconded with those funds as well! 

These guys are bad actors and a competent regulator needs to get involved. Thank you.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NV)

Was a wells fargo customer from XXXX to XXXX. Wells Fargo charged me multiple overdraft fees by manipulating the order of transactions. They also opened up a ghost credit card in my name fraudulently without my consent.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (UT)

When I went to Wells Fargo to access my savings account and safe deposit box, I was told that my safe deposit box had late fees and my savings account ( which the money for the fees of the safe deposit box was suppose to come out of ) had been declared unclaimed property. Not only was my money gone but my safe deposit box had not been paid for, so it had late fees. When I set up this system, the banker knew what my intentions were and didnt say anything about needing to make further transactions on the savings account beyond the automatic payments for the safe deposit box or be at risk of my account being considered abandoned. 

I have been into my local branch and have been working on this since XXXX. I have received no communication from Wells Fargo since XXXX. I have an inquiry number XXXX, but have not received any communication about it.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have sent in a validation of account information in XXXX and asked for several items on a letter dated XXXX XXXX XXXX XXXX I just got a standard response that the debt was verified and correctly listed again and it is not and I am now including a letter asking for all of the items to be corrected and verified and be sent to my mailing address within 30 days. This account should be dleted because of Experian being Non Compliant and not EVER giving me the information that I am asking for. I want the CFPB to hold them accouintable according to the law since the failed to give me the account information I have been asking for. This is what I want and it is spelled out in the letter. 

XXXX. I want proof of signature on financial contract and date sent to me. 
XXXX. Date opened was XX/XX/XXXX according to XXXX XXXX but it is listed on my Experian as XX/XX/XXXX. 
XXXX. I want dates of all payments made and what payment methods I used to pay you and what dollar amounts I paid you each time. If I paid by check, I want copies of all checks. 
XXXX. There is a date of last activity of XX/XX/XXXX how is that possible when the last date of activity was when it was charged off in late XXXX 
XXXX. You have it being charged off on XXXX XXXX  that is totally false as well and needs to be corrected and deleted. 

Are you familiar with something called 15 U.S.C. Section1681i ( a )? I heard if you cant provide proof, these accounts must be deleted. Well, I want these accounts to be deleted if they are not 100 % correct and if Experian fails to comply with my request of information as described above as it is my right to ask for the following information. I do understand by law you have 30 days to comply, or account must be deleted. 

I am at my wits end they never comply with my request, Please force them to do thier Job Thank you, XXXX XXXX XXXX I am including the new letter the previous letter and my credit report with experian showing the inaccuracies of date of last activity date charged off which is wrong as well and the balance showing on a charged off account which should be zero
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

In 2004, Wells Fargo gave me a loan on a condo. The loan was for a condo, XXXX XXXX XXXX XXXX in XXXX CA. The condo cost approximately {$210000.00} and the loan amount was around {$400000.00}, with a balloon payment of {$50000.00} after 5 years. I was a beginning XXXX at the time. I was making approximately {$2600.00} a month with a payment around {$1400.00}. I ended up losing the house despite trying to work an extra job. I just couldn't afford the payment and there was no way I was going to have {$50000.00} in 5 years on a XXXX XXXX salary. I was very young and I kept asking how I was supposed to afford this amount. The loan officer just kept telling me I could do it. I would like to lodge a complaint against Wells Fargo and see if I can recover any of the money I lost due to the foreclosure and making a poor XXXX lose her home. Thank you.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2020-09-03
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX.-XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX not mine XXXX, XXXX, XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX all not my inquires
Consumer complaint received 2023-01-20
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. (OH)

cIm submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX OH XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I have read and according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/ to update/correct this suspicious information. I think you have not validated these accounts and I will pursue legal action against you. This was already included in my prior request, and I'm including it again. 
XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX XXXX Balance : {$4100.00}
Consumer complaint received 2023-01-20
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: Mercedes Benz Financial Services (CA)

I have a loan with MERCEDES BENZ FINANCIAL. I have always made my payments on time. Ive contacted the company about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the accounts ASAP!!!. 
MERCEDES-BENZ FINANCIAL XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, MERCEDES-BENZ FINANCIAL XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5700.00}.
Consumer complaint received 2023-01-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (NV)

I was falling behind on my payments but managed to make a minimum payment to keep my account from being charged off on XXXX XXXX XXXX  This minimum payment only allowed an extra 31 days to make another payment to prevent the account from being charged off. On XXXX XXXX XXXX  Upstart sent me a " Right to Cure '' email stating that I had until XX/XX/XXXX to pay my balance before they would charge off the account. Contrary to their email, my personal loan dashboard reflected a date of XX/XX/XXXX to make a payment. Due to the discrepancy in the payment dates, I decided I would go off what was reflected on their website/my dashboard for the payment due. I thought the website would have more accurate information regarding my payment date. On XX/XX/XXXX my account was charged-off. I immediately sent an email explaining the situation and how I was given two dates and that there must be a mistake or error on the email or website. Upstart Loan Operations did not care about the facts that I presented to them. I even provided a picture of my dashboard that had my amount due and it showed XX/XX/XXXX as when it was due. Upstart still refuted this information and evidence and will not recall the loan from the charge-off and allow me to make my scheduled payment. This is unacceptable behavior when the customer has proof that there was a discrepancy in the payment dates. I should not be punished with a charged-off account when I was actively trying to rectify my account and their system was showing two separate dates that I was supposed to make a payment.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

My mother passed away XX/XX/2018 and I have tried numerous times to get a Loan Modification from Wells Fargo Home due to the fact that Im the Administrator for her Estate. Secondly, I believe that the mortgage company ( Wells Fargo Home ) might have charged the account improperly with fee/fines.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NM)

My card was used unauthorized and I filed a complaint. I got some money back yet they did not refund me everything as well as overdraft fees caused because of the fraud. It was over XXXX dollars owed plus fees and I only received XXXX in one credit and XXXX in another. Then they put a XXXX credit then 2 days later took XXXX dollars. XXXXm still owed XXXX in fraudulent transactions plus over XXXX in over draft fees that were not reversed.
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (NJ)

I purchased a XXXX vehicle in XXXX and was overcharged for the sale and price and forced to pay GAP AND Service Contract. In addition, my vehicle was fraudulently repossessed and the vehicle was auctioned off and I have repurchased it, at a higher price that I agreed to pay off the vehicle, before Wells Fargo sent a tow company to steal the vehicle back, without any paperwork. The vehicle was stolen from my home, without any warning or contact from Wells Fargo.