davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC (NH)

I leased a vehicle, it was CLEAR to me at the time of the lease that I would NOT owe a disposition fee, as I was a returning customer and also because it was NOT in my terms of the contract signed, years later, I returned the lease, rather than lease again. XXXX of XXXX The salesman was not happy and told me as I was giving them the keys that this would be " feed ''. Rather aggressively. Obviously upset that I was taking a break from leasing a vehicle. I received a letter months later from a collection agency, NOT XXXX. XXXX Amount of {$530.00}. I paid XXXX for mileage owed and it cleared. ( note I never received a bill prior to collections from XXXX ) I wrote a letter disputing the disposition fee charge of {$350.00}. XXXX To Both to the creditor and the Collector. I went ahead and attempted to get verification that this is, in fact, a fee that is owed. NEVER received a response from anyone, received another bill XXXX for a settlement at a less amount from XXXX {$280.00}. NO > I am not going to settle and pay just to take it off my creidt because they are sending a bill. I sent another letter. XXXX questioning the settlement and amount due looking for proof etc. Again. no proof, no contact from XXXX. I sent this letter to both of them. Here it is XXXX XXXX, XXXX and I received another letter from XXXX Debt Collector that I can settle at {$280.00} and offer payment plans. No verification. I called and left three messages and no response. I am now drafting a third letter and also submitting this complaint.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WV)

I became aware that I was a victim of identity theft on XXXX. Fortunately, no damage was done to my credit aside from hard inquiries related to multiple declined credit card applications. I used XXXX XXXX XXXX.XXXX to pull my reports and upon answering personal identifying questions I was able to pull both my XXXX and XXXX reports. However, none of the security questions that Equifax used were remotely close to my background. I tried multiple times and became alarmed when some of the questions were related to new mortgage accounts. Panic stricken, I called equifax and they told me I would need to pay {$12.00} to look at my report. After I paid they told me over the phone that I had no new accounts. How dare they feed off of my vulnerability and panic for their own financial gain. A XXXX  search confirmed that this seems to be a common business practice for them and it is highly unethical. Scare people into calling and then sell them goods and services.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX  XXXX NA Inquiry : XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX. Please remove all of these inquiries because they do not belong to me, and were not authorized by me.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MO)

I closed my Wells Fargo bank after leaving Wells Fargo XX/XX/XXXX. I received at Collection notice XX/XX/XXXX for an account I went in the bank to close. I closed this account due to XXXX XXXX Missouri only having one Wells Fargo Branch Available. The only branch I would no longer have access to since it is located in the Wells Fargo Campus Building. I do not understand these charges and have since reached out to them with no help or answer insight. I find it troubling that this account was still open but no statement were sent to me. But the collection company has my address correct being Wells Fargo gave it to them.
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IL)

I have contacted the court house in my state in regards to 2 separate bankruptcies on my credit report reference XXXX report date XX/XX/XXXX and also reference XXXX report date XX/XX/XXXX. They responded stating they dont verify bankruptcies. I submitted documentation to all 3 credit bureaus and was able to have the the bankruptcies removed from XXXX  however XXXX   and Experian it is still reporting. These bankruptcies do not belong to me and should be removed from my reports
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank makes it a standard practice with their online bill pay service to withhold funds from a customer 's account at least 5 days before the payment is to arrive to the payee. This practice applies to payments for which the bank must mail a paper check. It seems that the bank holds the funds from the customer 's account XXXX3 days before the check is actually mailed, thereby giving the bank several days use of the customer 's funds before the bank has to actually honor the check and surrender the funds to the payee. Wells mails these checks in unpostmarked, non-dated envelopes preventing discovery of the date actually mailed as well as the location from which mailed. This seems to be an unfair practice of the bank which needs to be investigated and eliminated.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

I sent my informatoin through CFPB complaining on Experian 's lack of response in regards to a ID theft collection on my report. They said they would investigate it and it has been over 30 days. Based on everything I 've read I thought I did everything right. I 'll upload the date my last complaint was filed and then submit that as documentation. Not mad just a little frustrated b/c Im not sure what else todo.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

I have been in contact with XXXX 's Bank DE since XXXX XXXX about the error in reporting on my credit report. The error is hindering the purchase of a new house for my wife and I. I have given permission for XXXX XXXX Bank to withdrawal monthly payments from my personal checking account since XXXX XXXX. Since this has been set up and they have been withdrawaling the payments they have been reporting me 30 days or more late, from XXXX XXXX to the current date. I have spoke with them about the withdrawals and they stated that my account is current and has not been late. The reporting is an error. Please see attached document. When I spoke with them again today they stated the same, account is current and never been late, but XXXX 's can not remove the error in reporting on my credit report as it has been posted. They stated there is nothing they can do, except for make it right from today forward. This really needs to be corrected as it is effecting my credit score and our home purchase. We are suppose to close at that end of XXXX XXXX.
Consumer complaint received 2017-05-09
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. (KY)

I have contacted multiple times, through phone calls, and letters to report that there are unauthorized pulls on my credit. I did not authorize these claims. I have reached out to the companies individual and they were not able to identity me authorizing the credit pull as well.      XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX  Buy  XXXX / XXXX / XXXX  Att  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 2016-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (UT)

XXXX account were open in my name ( supporting documents uploaded ) Experian has delayed and requested the same documents over and over. I have been on hold with the company for over two hours several times. Several of there fraud specialist have not even known 605 law of the fair credit reporting act. I have sent the need documentation that under the act certificated mail and it is been signed for by a representation but they say they have not received it. The state that upon receive not when ever they find or get around to I want these items removed and immediately blocked. I believe they have no re guard for the law and individuals rights. Up loaded documents included FTC fraud affidavit detailing all fraudulent accounts.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IN)

Every year for the last 3-4 years I 'd receive a letter from wells Fargo that my mortgage amount was going up because insurance premiums or property taxes were higher but they never did, I just did n't know who to reported it too.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX closed an account of mine with them on XXXX XXXX, 2016, stating in the letter " because we no longer offer this type of product. '' Equifax reports that the bank reported to them that the " account [ was ] closed at consumers request ''. I did not request closure -- that is a false report. My credit score dropped by about XXXX points because of the reduction in total credit. My credit has been damaged by a false report. The bank should either not have closed the account or should make the report right with Equifax and ensure my credit score is not harmed in the process.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (WA)

Today I made a deposit to my Wells Fargo checking account. It was a check made out by me, to me on our credit union account. The check was for {$500.00}. As you can see from the receipt, WF gave me instant credit for {$400.00} and delayed the balance - {$100.00} - until tomorrow. Is this common practice in banking? What if I was expecting a check to come through my account today and WF failed to cover it because they did not recognize the total deposit. Would I therefore be responsible for over-draft fees? Just thought that since you are looking into Wells Fargo and other banks, you might want to consider this. It was a first time experience for me.
Consumer complaint received 2023-01-03
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. (LA)

My name is XXXX XXXX and I am a victim of Identity Theft. I have recently obtained a copy of my credit report and the information does not relate to any transaction that i have made and has incorrect addresses. I am requesting that the credit bureaus completely block and remove this incorrect unknown information from my credit report.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

I recently signed up for an American Express XXXX ( ending in XXXX ) credit card that offered XXXX bonus Membership Rewards points upon spending {$3000.00} in 92 days. I completed the spending requirement and American Express has clawed back my XXXX points and refused to provide a reason for doing so. 

I spent a total of {$3900.00} ( confirmed by AMEX ) and did so within 92 days. I was unsatisfied with the product during this time, and thus decided to terminate my relationship with American Express on XXXX XXXX, 2016. However, since the spending requirements have been met and points have been issued, American Express erred in clawing back the points. There is no provision in the Terms and Conditions that state how long a card must be open to receive the bonus.
Consumer complaint received 2017-09-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (CA)

The bank accepted a lesser payoff, it was not a short sale, this was in XXXX of XXXX. The balance due was {$3000.00}, this was not disclosed until after the sale was completed. For two years the bank accumulated escrow charges on the {$2000.00} balance, the bank paid insurance and property on a balance of {$2000.00} as if it were a property, all this was happening after the purchase was complete, I was no longer the owner of the property, the total accumulated to over {$8000.00} including legal fees for the foreclosure. The bank also took me to foreclosure proceedings because of the unpaid balance. The property was not in my name, the buyer owned it and was paying escrows. I finally agreed to pay off the balance because the property that was no longer mine was going to be foreclosed upon, I would have liable for a law suit from the new owner. I tried for two years to reason with the bank, no success. It was a huge financial hardship for me. I paid off the balance XX/XX/XXXX, I have a letter to prove that. Even after I paid off the balance the bank sent the account to a collection agency. It took me two years to clear that up, finally on XX/XX/XXXX the collection accepted the letter from the bank stating that the unpaid balance had truly been paid. The attorney involved in the foreclosure process bullied me when I called them to inform them that there was no actual property involved, XXXX and XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, XXXX. They said they would proceed with the foreclosure and that the new owner was going to loose his property because of my unpaid balance. The new owners 's name at the time of foreclosure proceeding was XXXX XXXX, XXXX. He had no idea was was going on and that he was in danger of loosing his property. The collection agency was XXXX XXXX.
Consumer complaint received 2022-12-07
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. (MA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update or correct this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2022-12-07
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. (NY)

I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the recent letters were sent. Right now, I am not satisfied that Credit Bureaus have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please remove the account from my file ASAP : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX To whom it may concern ; I opened an additional checking account at BB & T ; XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX on XXXX XXXX 2017 ; Senior Checking-MM XXXX and because of a typo in the social security number caused by the Bank the account has been closed. Before and after the account was closed BB & T accepted three deposits totaling {$2000.00}. <P/>I received a letter stating ; Our records indicate you recently opened an account ( s ) with BB & T. Upon further verification and review or the information you provided, BB & T has determined it is necessary to close the above referenced account ( s ). <P/>My attempt to retrieve my money has continued for over a month. I was told that if I went into the branch ; which I did two weeks ago, and provided a social security card and drivers license, I would get my funds. I showed up at the branch, and was again denied access to my money. My drivers license and social security card were copied. And someone said there would be a {$25.00} fee to close my closed account. <P/>Therefor ; I am making a claim for my funds in the amount of {$2000.00}. <P/>Thank you for your time with respect to this situation. <P/><P/><P/><P/><P/><P/>Sincerely XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I live out of the country but maintain a US account as I intend to return eventually. Recently I received a notification that my account was in danger of becoming inactive, so I followed the instructions and made a transaction ( note there was no guidance on minimum size or number of transactions required ) Following this, I received another notification, so I called the bank to confirm that my transaction was valid, which they did verbally including stating explicitly that I need not do anything else. I inquired about he second notification and they simply said that their systems have not been updated but they will do so immediately. I asked for confirmation, ideally a letter, which they refused to provide. I then requested they make the notation in their XXXX tool, which they agreed to do. Most recently I reviewed my account and realised that they had closed the account and sent the funds to the state, exactly what they said they would not do. Upon calling them, they said that the information provided last time was wrong. They have referred me to the XXXX website however I can not locate my details in the database so I have no idea where my money is now.
Consumer complaint received 2017-06-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MORTGAGE LINK, INC., THE (MD)

Received a letter of " Understnading FNMA Enhancements. '' I did call, the gentleman identified himself as XXXX. Said he was not at his computer and asked if I could call back in an half hour. I said sure. After Googling the Company, I understand this is a fradulent letter and company scam. They are listed as " The Morgage Link, Inc. XXXX @ XXXX '' no other information is identified.
Consumer complaint received 2017-06-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Hypotec Inc. (TX)

I received a unsolicited loan offer in the mail. I immediately opened it because it looked like something form the government and I was alarmed. After reviewing the letter, it took me several minutes to figure out who it was from. Secondly, there is no term. Thirdly, it says I am entitled to an escrow refund, but if they refund it to me and start a new escrow account wont they be essentially financing that for how many years the term is? This is very deceptive marketing and these people should be looked in to in XXXX Florida. Finally, my mortgage company is n't XXXX XXXX.
Consumer complaint received 2018-05-08
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)

This is reporting on my credit bureau and IS NOT my information. The company refused to correct it. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to SOLD TO ANOTHER LENDER Original Amount - Comments - Payment History XX/XX/XXXX XX/XX/XXXX