davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

On XXXX XXXX, 2015 I, XXXX XXXX called in and spoke directly with XXXX XXXX ( XXXX ) XXXX XXXX, whom Wells Fargo Home Mortgage Executive appointed as my point of contact. Due to her lack of understanding and knowledge to grasp the simple requests I made in previous correspondence and her inability to control herself when engaged in a conversation, playing semantics ( constantly talking over the client, to attempt to control the conversation ), I hereby request a different point of contact. It is my observation that the representatives are trained to become passive aggressive and combative, in an attempt to upset the mortgage holder. In inquiring this matter with several Wells Fargo Mortgage holders, legal counsel and the XXXX organization, they all agree that this is common practice with Wells Fargo. It is my goal to resolve any and all confusion when it comes to the deposits I have made, but I can not accomplish this task if I 'm not given the tools on the end of the Wells Fargo Organization to compare how they applied the money I deposited into my account towards my mortgage and my records, without them sending the records, they posses for comparison. So moving forward, I request a representative whom possess knowledge, respectfulness and professionalism, whom will listen to the concerns of the mortgage holder and resolve the problem, so that we can both move forward.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2015-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: U.S. BANCORP (CA)

I used to have a past due debt with US bank which I settled in full with US bank directly and who deleted this account from my report and resent the collection notice to the collector. Now several years later XXXX XXXX is despirately, agressively and insultingly trying to collect on the debt that has been paid off and cancelled by the original creditor. Is n't this illegal?
Consumer complaint received 2016-01-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (AK)

I am getting numerous calls which my phone tells me is from XXXX WA. I get a recorded message that tell me it is about debt collection and it gives me XXXX phone numbers to call : XXXX and XXXX. It tells me to refer to case number XXXX. I know this is fictitious because I have no debts. I have not called the number because I think this is a scam. The incessant calls are annoying. I am supposed to be on the " do not call '' list.
Consumer complaint received 2016-01-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Some XXXX made a duplicate copy of my debt card and made purchases in todays of a total of {$450.00} in XXXX, Texas. My bank contacted me to inform me of the fraud activities and I put a claim in to get my money back. I also cancel the card are will change my pin once I receive the new XXXX.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We have received a letter of " Notice of Pre-Foreclosure options '' form bank of America for our house on XXXX XXXX XXXX XXXX, XXXX, WA XXXX The letter requests that we " respond within 30 days or a notice of default may be issued and you may lose your home in foreclosure ''. 
Yet, the latter did not include why this letters was issued and why we may lose our home for a foreclosure. Bank of America failed to tell us know what is the problem and what action we need to take to avoid such action by them. Especially when we paid our mortgage on time every month since 2009. 
I am attaching the letter we received from Bank of America and the last mortgage statement. We here by request asking your assistance in resolving this issue and would like the bank to : 1. Specify exactly what is the problem and what we need to do to resolve. We need that in clear " English '' not in obscure lawyer language. 
2. Rescind the letter in writing. 

We also, contacted the bank today and the customer service person was not able to help and he stated that he " could not find any reason fro such letter since our payments are up-to-date ''. On top of that, he stated that he could not do anything.
Consumer complaint received 2015-04-16
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

I deposit {$100.00} on XXXX XXXX, 2015 at XXXX and I was never given the credit on my savings account I went to the branch and they did n't believe me at all, they have many surveillance cameras they can see when I gave the money to the clerk, I want my {$100.00} plus {$20.00} for the incovenience or I want free checks.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I have a American Express-XXXX credit card and I was promised 1 % plus rebate rewards on all my purchases on that card. The rebates for the year 2014 totaled {$660.00}. However, American Express never mailed me the rebate check and when i called them today they said they can only issue me a rebate of 50 % of that amount. The balance have been " forfeited ''. I am shocked. I spoke with several of their representatives including their supervisor - XXXX - ( id # XXXX ). To me, it appears to be a massive scheme to defraud consumers where people like me are applying for cards based on the promise of 1 % refund. These refund checks are never mailed and then these credit card companies tell you that the money has been forfeited!!! 
Pls intervene to investigate and stop this fraud from being perpetrated. 
Thank you.
Consumer complaint received 2015-04-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (NC)

On XXXX XXXX, 2015, I was involved in an automobile accident that resulted in a XXXX. Following two months of not being able to work - doctor 's orders - I began working half time on XXXX XXXX, 2015. During this period of time I have had no income. I hope to be working full time again after two more weeks of recovery and only then will I again have full time income. I have tried my best to work with Sallie Mae to get through this period of recovery and lost wages. Several phone calls later and all I was told was that my account is " all messed up '' and that it will be straightened out with the latest phone call. I was also told by that Customer Service employee that I should " ignore all phone calls '' as this situation would be resolved. I just checked my Credit Score and found out that they have not straightened out this situation - in fact they had placed on my credit record a delinquency that has severely negatively impacted my credit score and the credit score of my co-signor. I contacted Sallie Mae again and have been told that nothing can be done about this. Upon checking my Sallie Mae account on XXXX XXXX, I had a letter stating that I needed to pay over {$600.00} in order for a negative report not to be submitted to my credit record. They have already submitted that negative report! I am now hoping to begin further education this summer for a degree in XXXX XXXX. However, the way Sallie Mae has handled and, according to their representative " messed up, '' my account, I am now afraid that I will not be able to financially pursue my education objectives. And, I am afraid that my credit record will be negatively impacted by their " mess up '' and reporting to credit bureaus after I was assured this matter was cleared up on XXXX XXXX. I am at a total loss ... ..
Consumer complaint received 2015-12-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (HI)

American Express Blue Cash Everyday marketed a 3 % cashback offer on US Supermarkets. I signed up for that here in XXXX, Hawaii. In getting my statement I noticed my Supermarket purchases were not accruing 3 % cashback. I called AmEx to ask why and have been told by multiple people in various customer service departments that their managers said our Hawaii supermarket is NOT a US Supermarket! I stated multiple times that Hawaii is the 50th State of the USA and therefore Hawaii markets are US businesses, but same response. I noted my AmEx statement itself describes the store as a " Grocery Store, '' but they insist it 's not a US Supermarket. AmEx should NOT be marketing to Hawaii businesses if AmEx will not recognize Hawaii as a State. 
In addition, since I was signing up for the AmEx Blue card and their flyer said I could transfer a balance and pay it off interest free I did so. But only upon receiving this XXXX 2015 statement do I find they charged me a transfer fee. Their marketing stresses this free balance transfer option and does not clearly state they will apply a 3 % fee which fees misleading to me. And since the balance transfer only showed up on my XXXX 2015 statement I 'm being told it 's too late to cancel the transfer and they wo n't address the transfer fee. If they were clear about the 3 % fee I would n't have used them in the first place as my other cards offer me transfer checks I could use that do n't include a transfer fee and would n't charge me interest either for 18 months or so. If AmEx was clear in their marketing I would n't have used them for this transfer! 
So I was enticed to move to AmEx for 3 % cash back at grocery stores only to find Hawaii does n't seem to count, and it 's now too late to address the balance transfer fee so AmEx gets to take over {$200.00} from me in transfer fees.
Consumer complaint received 2016-01-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (MO)

I opened a bank account with US Bank XX/XX/XXXX. When I opened the account they told me that there is a {$36.00} fee for overdraft, unless I sign up for their credit card. I did n't want another credit card so I agreed. XX/XX/XXXX I received a statement saying I have a balance of {$11.00}. Then I received a letter a week later saying my account over drew by XXXX bucks, and that they were also adding on the {$36.00} overdraft fee. Within 30 days of this notice of overdraft I deposited {$210.00} more then enough to cover the $ XXXX I was at. Apparently they also charge a $ XXXX/week fee above and beyond all previous fees. This was never told to me, I never received XXXX letter saying I was being charged $ XXXX/week fee, and That is a gross overcharge on the beginning amount. I called customer service today to question this and I was told that they sent me a postcard or packet in the mail telling me of these fees they were now allowed to charge, but that it was never a document that needed my signature. How can they add such a fee without my agreeing to that? This is completely unfair practice that before I have seen a XXXX statement I can be charged a total of {$130.00} in fees ; {$100.00} of those that I was never told about. I cancelled my account and will never do business with them again, but I was robbed and it 's not fair that a bank can take take take with no notice. The customer service agent I spoke to on the phone is named XXXX, id # : mhtwigg, I spoke with him at about XXXX on XXXX XX/XX/XXXX.
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (CA)

Discover Cards claims on all of its advertisements, promotional brochures and legal documents it does not charge ANY foreign currency fees on foreign currency transactions. However, Discover Cards does willfully and knowingly, with deceit and intent to defraud, reduce the exchange rate on all purchases in foreign currency and other transactions by exactly three percent when calculating the exchange rate on ALL foreign currency transactions. Yet, Discover Cards, refuses to admit it is defrauding consumers with false and misleading statements, advertising and documentation.
Consumer complaint received 2015-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GVA Holdings, LLC (CA)

these people started calling me on XXXX/XXXX/2015 about an illegal usury interest rate account, that they purchased from XXXX XXXX. XXXX XXXX does not have a license to make these type of transactions in the state of California ... ..I advised them that I will not pay {$900.00} in interest on a six month account and requested their license number..they have not provided it to me.
Consumer complaint received 2015-12-18
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (AK)

I have had many frustrating experiences with Western Union over the past year ( have never used them until this year ) and this latest experience is what led to filing this complaint. I initiated an international transaction with Western Union on XXXX XXXX, 2015 in which the confirmation email states the money would be available in the receiver 's country on XXXX XXXX, 2015. The receiver went this morning to collect the funds ( XXXX XXXX, 2015 ) at a Western Union office with ID and MTCN number in hand only to be told the money was not available for pick up. I immediately contacted Western Union to find out why the money was not available only to be told that the money would not be available until XXXX XXXX, 2015 Eastern Standard Time United States and also told it would not be available until a specific time Eastern Standard Time United States. No where in the transaction details does it state anything about money availability being based on Eastern Standard Time United States and no where in the transactions details does it state a time the money would be available. It is terribly frustrating to share with the receiver when the money will be available only for them to go to a Western Union office ( which in and of itself is not an easy task ) and be told the money is not available.
Consumer complaint received 2015-12-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

I did have a XXXX account ( XXXX? ) but when the store closed in our area XX/XX/XXXX, I paid off my account and closed it. I JUST got a letter from Midland Credit Management XXXX XXXX XXXX XXXX saying that this account was " charged off as an unpaid delinquent debt on XXXX '' but Midland wants me to pay them {$370.00}! I do not owe this money and asked the credit agencies XXXX to remove this from my credit reports.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hello, I have a judgment appearing in the public records section of my credit report on TransUnion and XXXX. This item has been removed from my XXXX credit profile. My concern is that the date appearing on the item is different on my TransUnion and XXXX credit profiles. I 've disputed this a couple of times and never get a satisfactory response. I do not want this item to remain on my credit profile longer than it should be. At this time my dispute is not with the company that filed the judgment, but with XXXX and TransUnion for reflecting the wrong date. This judgment was filed against me in XX/XX/XXXX, so it should be up for removal in XX/XX/XXXX. I 've included a screenshot of what appears on my credit with all XXXX major Consumer Reporting Agencies, including how it reflected with XXXX prior to removal.
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Credit determination — 
Company: TD BANK US HOLDING COMPANY (TN)

On my credit report there is an account ( Target ) that is not my mine. It belongs to a my x-wife not me. I have been divorced from her for six years. When we separated and she moved to XXXX. put in for a card under her name. I have never had such a card. I ask her four years ago to payoff that card or transfer the balance to other cards, she has not. The company says its in a joint card. The only card she got was in her name only. I need some XXXX to correct the mistake and put the card under her credit report and take it off mine. When I got the Devoice, I paid off the cards the judge requested and that she was to pay off. Please correct this injustice.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-11-23
Product: Credit reporting 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. (NH)

On XX/XX/year> I received an Email about in hard inquiry on my TransUnion credit report through XXXX XXXX. 

It was ran through XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX They informed me they were a credit card company and would not give me anymore information without my ssn # this is why I'm filing a complaint. 

I have not tried to open I line of credit for over a year.
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

My credit report had a XXXX XXXX charged off account. The account was charged off in XX/XX/XXXX. XXXX Account # XXXX. This account was sold to XXXX XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX, Equifax automatically deleted the XXXX account off my report as it too old to report. However, XXXX did n't delete the XXXX XXXX account which is based on XXXX XXXX, the original creditor.
Consumer complaint received 2015-12-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TN)

Notice as of XXXX XXXX, XXXX : I submitted a complaint about this earlier this year. It is still on my record, even though the mortgage company said they corrected it! Ocwen reported I was 180 days late in XXXX XXXX, even though I was under a program with the State of XXXX/HUD for 'Keep My XXXX Home ' and HUD was making my payments, but Ocwen reported it as late, when it was not! This is STILL on my record, and it is incorrect! 
The acct is closed/paid off, but this error still exists and I asked that they remove the incorrect error, but it is still there!
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Wrongful unauthorized account collections and inquiries for over 10 years and recent unauthorize credit inquiries and collections. 
I have been disputing for many years such as XXXX XXXX XXXX XXXX and negatives reportings. 
But Equifax XXXX allows companies to cement back permanently on my credit report and damaging opportunity to get credit approval for my daughters college funds support through a loan lender for their education. 
I can not prosper in life with bad credit. 
I am on XXXX and on Permanent XXXX Lifetime and Retired as of XXXX XXXX. 
I retired from XXXX XXXX XXXX XXXX XXXX of employment XXXX till XXXX on Permanent XXXX Lifetime. 
Please remove California XXXX XXXX XXXX XXXX XXXX XXXX employer.that 's incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a non profit organization.and no pay. 
Credit report of collections will be sent by email to Consumer Finance Agency by my email XXXXXXXXXXXX Government Investigations can pull my credit for verification of evidence of collections and inquiries and negatives on my credit report. 
Urgent matters.