davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : Request for Credit Report Third Notice Dear Credit Bureau Name , I am writing to formally request, for the third time, a copy of my credit report. I have previously submitted requests by mail, providing all required documentation. I am entitled to one free annual credit report and have not yet received a response despite multiple attempts. I kindly request that my credit report be sent to the address listed above. 

For verification purposes, please find my details below : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Please process this request at your earliest convenience. I look forward to receiving my credit report within the time frame allowed by law. If there are any issues or additional information needed, I can be reached at the contact information provided. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (SC)

I received a letter from I C System stating that I owe a XXXX bill 7years ago. I received the letter 2 weeks ago. I reached out the XXXX and the company said they didn't have an account under my name. I told the representative I did owe a bill and that a collection agency reached out to me and it was paid in XXXX.I called my bank hoping they can track the payment but they only go back as far as 6 years. Being that XXXX collection was not on my credit report, the company was paid. I C System didn't give me 30 days to rectify the problem with the account that was issued to me. This company posted this account to my credit report. I would like to see the original bill of {$680.00} stating I owe. I called and spoke to the I C System operator she stated if I paid another collection agency they didn't close my account out. I would definitely like to see the original bill saying I owe this amount since its going through so many agencies. Thank you for your help in advance.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY (PA)

I was informed my bonus check from work would be late. I immediately called American Express and asked what my options were as I wanted to do my due diligence having been a client of there 's for 11.5 years with excellent credit history. They informed me to make certain payments by certain days and they scheduled these withdrawals from my bank account. The account was paid in full and satisfied with their procedure. They turned me over to the credit bureau for being 30 days late after I did what we agreed upon to stay in good standing. This is not fair, they lied and I would like the 30 day late fee removed immediately as it is harming my credit score and I 'm trying to get a mortgage. I have the conversation on their recorded line and all statements documenting all payments made in a timely order as we agreed.
Consumer complaint received 2016-12-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA was given notice requesting the following : I was represented by counsel ; and All communications regarding this debt were to be directed to my attorney ; and Debt was not to be discharged or sold during verification and settlement process ; and To have a representative, having actual authority to settle, change, amend, etc. this account, call my attorney ; and Send verification of the debt to the address on the account. 

USAA has sold the debt prior to verification, not contacted my attorney, not verified the debt, and had a third party collection company call my husband 's phone looking for me in an attempt to collect this debt.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

By court order on XX/XX/XXXX, US Bank was ordered to return an amount that they wrongfully ( electronically ) took from a customer 's savings account in the amount of {$6200.00}. US Bank claimed that they honored the court order by sending ( via mail ) a check in the amount of {$6200.00} to the customer at his home address in XXXX, but was never received. 

Upon demanding an explanation of why funds have not been received, we were finally able ( almost a year later ) on XX/XX/XXXX to obtain a copy of the cashed check from US Bank. Examining the copy received from US Bank we found the check was fraudulently endorsed and paid to the order of another person for cash at a XXXX in the state of Ohio. We explained to US Bank that the customer, who is XXXX years old, a XXXX XXXX XXXX Veteran and needs assistance walking, did not travel to Ohio and present the check for cash at a XXXX. To date, and after repeated request, US Bank has no restored the funds to the customer 's account.
Consumer complaint received 2024-08-09
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

I am a long term customer of Wells Fargo. Always make payments on time. My XX/XX/XXXX payment was short by {$40.00} as my school tax bill had a significant increase, which got by me. I immediately went to the branch to deposit the funds along with my XX/XX/XXXX payment. They agreed ... because I am a good customer to waive the penalty fee, but not the " insufficient fund fee ''. I am set up for auto pay out of my checking account for the XXXX of every month. I was told by the branch the account was brought up to date and all is well. I started getting phone calls about XX/XX/XXXX and XX/XX/XXXX payments still outstanding after the XX/XX/XXXX. I asked why they did n't withdrawal it from my checking account. I spoke to about XXXX people assuring me they understood and would fix the problem, but when I would ask for a confirmation number, they would not give me XXXX. I finally spoke to someone in customer service and was told my auto pay was shut down. I asked why would you do that, because that makes it hard to get my payment. Because the XX/XX/XXXX payment was late they closed my auto pay down. I am structured for a XXXX of the month withdrawal, I received a letter dated XXXX XXXX, physically received it on XX/XX/XXXX I had no idea they would shut me down, and I made my deposits, in good faith, that the funds would be withdrawn. They are charging me penalty fees and will not remove them. I feel as though a disclosure letter before XX/XX/XXXX should have been issued so I would have a heads up? The branch does not work cohesively with the call centers. They tell me everything is fine, when in fact it was n't. The servicing end at Wells Fargo is horrendous. Their recovery department is demoralizing and patronizing. As I said I am a long term customer with good history, I faltered honestly and I feel as though they essentially prevented me from making my payment and bringing the account up to date. I am reporting this to the CFPB in hopes that they agree a timely disclosure was not issued by Wells Fargo, to the customer, ( me ) informing me my auto pay was no longer in place. I thank you in advance for any courtesies you could extend to me regarding this matter. Basically, it was like a " runaway train '' I could n't catch up to, no matter how hard I tried. And believe me, I tried. Thanks again.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX I used mobile deposit to deposit a check reimbursing me for XXXX  expenses. As expected, I was informed it would take a few days to clear, which happened on XX/XX/XXXX. On XX/XX/XXXX I awoke to texts that automatic payments did not go through. Upon calling Chase, I was informed that my account was frozen due to depositing the check, and that it would take 7-10 business days to have access to any of my funds, not just the amount of the deposit. The supervisor at Chase told me all I could do is wait for the deposit to clear ( which according to my online account, already happened ). It should be noted that this was a check from another Chase customer, being deposited into another Chase account. When I asked why I received no notice about my account being frozen, the manager told me a notice had been mailed out, which I have yet to receive.
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

THEIR ARE XXXX FRAUD CREDIT CARD COMPANIES. IN XXXX 2014 THEY STOLE ID REQUESTING XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. THEY WANTED IT MAILED TO THEIR OFFICE CAPITAL ONE BANK NA XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX THEY STILL HAVE ON ALL THREE CREDIT REPORTS. 
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCOUNT : XXXX XXXX THEY IN XXXX AND XXXX XXXX ARE KNOW AS SCAM
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I can not access my account. The login page is not working and keeps recycling me out. When I can get in it appears that there is a XXXX balance but there was money in there yesterday. Then I get booted out of the account again. So I am unable to access my money or pay bills. 

I am trying to get in touch with them and they are not responding.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

I was a victim of fraud. Wells Fargo overdrafted my savings account after a fraudulent charge depleted my checking account allowing {$520.00} to be taken out of my account. I was told since I disputed the charges it would drop off and the funds would be put back into my account but that did not happen. The charges were for {$230.00} and {$280.00} both unauthorized and leaving my account empty. It is now 4 days later and the XXXX business day and Wells Fargo is treating me like a criminal they will not give me a conditional credit and MY XXXX is due today XX/XX/XXXX. The bank offered me no resolution and pretty much told me it showed face to face so they cant help, although my card is still in my possession. I am very upset that a bank I trusted to put my money into would treat me like a criminal and not assist me
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (AR)

I have an auto pay set up through my regular checking account bank. The credit card through another bank is not applying those payments in a timely fashion resulting in late fees. The late fees were reversed. I asked for reimbursement from the interest accrued on the late fees but this was not handled. Due to their pressure from the continuing emails regarding late payments, I backed out the auto pay payment date to be sent out even earlier. Today Tuesday XX/XX/year>, I received an email from said bank stating a payment of {$35.00} was past due by 13 days. I immediately checked out the email by logging in to said credit card. A payment of {$47.00} is due on XX/XX/XXXX. I called XXXX customer service. The representative could not verify that an email was sent nor what the {$35.00} is in relation to my account. All links in the email go back to their bank website. I have requested an video call with a bank location in XXXX XXXX, XXXX  as it is the closest physical location to where I live. That appointment is set for Thursday XX/XX/XXXX. I consider this as harassment for the credit card balance.
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (IL)

The {$2500.00} is a CHARGE-OFF amount from XX/XX/XXXX on a Synchrony Bank credit card for my PayPal Business account. I had this account for 8 years before I was unable to pay and it charged off. I closed my XXXX store and retired in XXXX, XXXX after my husband became XXXX from an accident in XX/XX/XXXX. My only source of income is my XXXX which is {$1100.00} per month. My husband receives approximately $ XXXX  monthly in SSID. We don't have any property ( we rent ), no pension, no 401K, no IRA, no Bonds, no Savings.

Synchrony Bank is harassing me through the Small Claims Court to recover with Collectors an original amount of approximately {$1800.00} which they blew up with fees to {$2500.00}. First I received a Summons to Small Claims Court from XXXXXXXX XXXX XXXX XXXX  in XXXX, XXXX. I was required to pay an Appearance fee of {$210.00} to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and filed paperwork explaining my Retired Status. I've never heard from them again about appearing in court. Today, XX/XX/XXXX, I received a notification from Synchrony Bank that they've sold this debt to a new collector : XXXX XXXX XXXX. My XXXX and my husband 's XXXX are not legally subject to judgements and Synchrony Bank and the collectors know this, but they are harrassing me to pay anyway. They hope that I don't know my rights and will comply with their illegal demands. THEY MUST BE PUNISHED AND PUBLICALLY SHAMED.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been incorrectly attributed to me without my knowledge or consent, causing me significant distress. I have become a victim of identity theft and have already reported the incident. It is essential to address this matter promptly, as it has adversely affected both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent issue is greatly appreciated.
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

SPS Servicing currently services my mortgage. I have lived here for 15 years. On XXXX XXXX, 2016 I became a victim of identity theft. Taxes were filed using my ssn. Fraud report filed. All XXXX credit bureaus put a freeze on my credit. I contacted SPS immediately as I did any/all accounts I pay. I did not want a loan modification. Just wanted to communicate why I fell behind. They refuse to work with me on the mere {$4000.00} I am behind. No option to pay in 1-3 months along with my current mortgage which is very affordable ( {$810.00} ) They have more than enough documentation as to why and how I fell behind. I am victimized twice! My identity was stolen. Bank accounts hacked, had to close them. Sons college loans I had to cancel. It 's rather simple, and they refuse to give me either a 1-3 month agreement to pay the arrearages or a specific date that I had to pay by. This company does not only practice in bad faith, but they lose everything, do n't note any comments in computer, and have discriminated against me. I intend on contacting the list of departments the FTC gave me today as well as the Attorney General office. I am done being the victim, communicating, sending in documents repeatedly pertaining to my identity theft only to have the lost. My salary ( which I have all my XXXX forms clearly indicate that I can easily maintain $ XXXX/month. SPS is playing games, thankfully I caught on very quickly. I will also be starting a web page for other consumers being lied to, not offered modifications, not offered payment plans, being discriminated against ... .the list goes on.
Consumer complaint received 2024-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

i check my balance every once in a while cause i rarely make big charges and i know how much my direct deposit be and i know how to money mange so i went to go use my card at XXXX and it declined so i checked my bank and i seen 3 charges that i didn't authorize which is XXXX for {$140.00} on XX/XX/2024, another charge for XXXX from XXXX  on XX/XX/2024 and another charge from XXXX XXXX for {$350.00} on XX/XX/2024 and i tried to dispute it through the bank and they declined my dispute and bills are coming up and im short on my payment because of unauthorized charges and wells fargo isn't doing anything to help.
Consumer complaint received 2016-08-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

What happened ... 
I wrote a letter to WFB XXXX XXXX, XXXX, explaining that they were reporting GOOD information for an old Home Equity loan from circa XXXX on my XXXX and XXXX credit files. This information is not showing up on my XXXX credit file. I REQUESTED THAT THEY ADD THIS INFORMATION TO MY XXXX CREDIT FILE. 
What happened next : I received a letter from WFB dated XXXX XXXX, XXXX. The letter was a generic statement letter ... " The date of first delinquency is over 7 years on this account. This account is no longer reporting. A request has been sent to the credit reporting agencies to delete this account. '' Accounts in good standing remain on credit files for 10 years or indefinitely. This account was never delinquent. This is WHY I was requesting this information be added to my XXXX report. 
I understand if they do not want to report this information on XXXX, but by removing this information from XXXX AND XXXX will cause my CREDIT SCORE TO DROP. This will affect my scores by way of the credit mix ( i.e. types of loans mortgage, equity & installment ) and length of credit history. I understand this information is older but it is still useful in a manual review.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio (TX)

I NEVER SIGNED AN AGARAEEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. I WAS NEVER 30 DAYS LATE. THIS IS A DUPLICATE ACCOUNT. US Code 1692e False and Misleading Representation Notes/ A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to befalse, including the failure to communicate that a disputed debt is disputed.