davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (GA)

XX/XX/2018. The Well Fargo telephone response system for understanding and paying credit card bills does not tell the customer the current amount owed on the current statement. It tells the customer either the minimum amount owed ( {$20.00} ) or the full amount charged to date, which is larger than the amount currently owed. The customer service representative I spoke to said she had brought this problem up to the IT department several times but they refuse to change it. They do not provide the current amount owed on the current bill so that a customer will either 1 ) pay the minimum amount and incur a huge service charge. or 2 ) pay the full amount of the current charges on the card so that Wells Fargo can use their money and get interest from it. Wells Fargo is still deceiving their customers and over-charging them because their executives are still criminals. This would be quite easy to resolve but Wells Fargo refuses to do so. Please take action to force Wells Fargo to be fair to their customers.
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America pick and chooses which check to hold. I have been banking with BOA and their policy has changed drastically. The check they hold do not apply to any of their hold policies. 

On XX/XX/2018 - 2 check out of 10 were held with no apparent reason. I have a history of depositing check from these same venders with no issues. I have a 20 year history of banking with BOA and now I'm unsure of which check they will hold. 
I called and spoke with a BOA Representative and I was told " they could not get verification from the bank '' Is that just a way from BOA to hold my money and make interest on it. 

As Per BOA Web site : Situations that typically cause a check to be held include : There is reason to believe the funds may be uncollectable The source of the check The account has been open for 30 days or less The account has repeated overdrafts in the last 6 months The check is in an amount greater than {$5000.00} or larger than you normally deposit Fraud is suspected The check was previously deposited, then returned unpaid The check was not properly endorsed Emergency situations, including computer or communication failure Incorrect routing or account number information on a deposit slip
Consumer complaint received 2018-06-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Adjustment Corp. of S.W. FL., Inc. (TN)

Professional Adjustment has a bill from XXXX XXXX that is 6 years 6 months old and it still remains on my credit report. I will never pay this bill as medical treatment was not rendered by doctors, and it has been on my report over the allotted time.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc ()

Issue : PayPal permanently limited my account whilst it had a large sum of money on it without any valid reasons. 

Hello, My name is XXXX XXXX XXXX XXXX My Reference ID : XXXX My PayPal Email : XXXX I'm writing this email because despite multiple attempts to contact PayPal customer service inquiring towards the reason for my account suspension, I keep receiving automated replies. Before attempting to contact the CFPB, XXXX and FTC, I figured Id try one last time to reach someone at the company who can help. My account was permanently limited on XX/XX/XXXX without any real explanation. A balance of {$2400.00} is currently being held in the account. Ive been an account holder for over a year, and the few XXXX XXXX I provide ( XXXX XXXX ) are well within PayPals acceptable use policy, in addition to being compliant with all other regulations. I have never had any issues with fraudulent activity, and yet out of the blue my entire account is frozen, my money is taken hostage, and I cant even get an answer as to why this is happening. Im provided with 0 recourse, and vague promises to release funds in half a year. There are countless stories posted online detailing how members have had this exact thing happen to their accounts, and never had funds released back to them after the time was up. While this is far from reassuring, regardless of the validity of these claims, the fact remains that there is no reason why this should be happening to me, and I cant even get someone from the support department to take a little time to look into the situation and attempt to rectify ( or even explain ) the reasoning behind the decision. My PayPal account was an personal account and not a business account. With this said, the vast majority of my funds were sent via friends and family payments. This is money from people who knew me. Money from people who had every intention of me receiving the funds, and had taken the appropriate actions via your service for this to happen. If there was a transaction being contested for a dispute ( which I wouldnt know, since no one will explain why my account is frozen to begin with ), it would be one thing to hold those funds and perhaps even have the account on hold throughout the process. However, as stated, the majority of my funds were from friends and family, and denial of access to these funds is ludicrous. These are the funds I use for my education. This is how I was paying for my future, and its being held hostage without so much as an explanation. I need a clearer answer as to why this has happened, and a clear path forward to rectify this mistake on the companys part. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (OR)

Attempted to transfer {$6000.00} to Roth IRA account at XXXX XXXX via wire transfer from XXXX  XXXX XXXX on XX/XX/2022, Wells Fargo is the bank that handles XXXX 's wire transfers. The account was verified at XXXX  XXXX XXXX and transfer was initiated but was rejected with the amount returned {$5900.00}. There was no disclosure of the exact amount of fee for rejected wire transfers by any bank. This transaction took 10 minutes for {$50.00} profit for Wells Fargo and I never received the service of monies transferred. The account was verified and if the wire went through there is no charge, so why charge for a rejection?? Nevertheless, I attempted to call XXXX  XXXX XXXX and they said it was Wells Fargo who charged the {$50.00}. So I called XXXX and they said even though Wells Fargo handles the wire transfer for brokerage account they can't return the {$50.00} since this is Wells Fargo fee and call Wells Fargo. Called Wells Fargo and they said since I don't have any accounts with them, they can't help me. I told them it was there bank who charged the fee so someone over there should be responsible to talk about wire transfers... they said sorry, can't help. The federal wire transfer # is XXXX and the XXXX  XXXX XXXX transaction Item # : XXXX. Wells FargoXXXX never stated the amount of fee to the consumer or I would have avoided this mishap, let alone say account is verified which can deceive consumers into sending wire transfers thinking everything looks ok.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

I paid my XXXX water account in full XX/XX/XXXX, Southwest credit systems called attempting to collect {$330.00} in XX/XX/XXXX, I verified with the XXXX XXXX XXXX all bills had been paid and informed SWCS that the account was paid in full. SWCS Called back again in XX/XX/XXXX attempting to collect the same debt. I informed them again the debt was paid in full in XX/XX/XXXX. In XX/XX/XXXX SWCS put a collection on my credit report, I informed them again that it had been paid and I could send them proof, they informed me the only way to send them correspondence was via mail. I spoke with a supervisor and she said she would verify with the XXXX XXXX XXXX the account was paid and I have not heard back. I disputed the record on experian and it was upheld.
Consumer complaint received 2024-10-09
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. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft I found numerous accounts on my credit report that were not open by me. This is currently hurting me as I am in the process of trying to get my own apartment please remove these from my credit report as soon as possible.
Consumer complaint received 2018-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX Friday afternoon within the XXXX XXXX. hour, I XXXX XXXX XXXX XXXX   walked into the Wellsfargo, XXXX  location, Branch in XXXX XXXX, Texas, ( XXXX Area ), to withdraw XXXX dollars from my Savings account. There was an issue with my newly issued Wellsfargo check card or the system. This was told to me by the Bank teller. She immediately called the Branch Manager, XXXX XXXX over to assist. He some how okayed to processed with the transaction. I went thru the process of attempting to withdraw my XXXX  from my checking account 3 times. Two attempts did not work by placing the chip checkcard into the machine at the teller and pushing in my pin, so the 3rd attempt had to be done manually, by writing on a withdrawal slip my withdrawal amount and giving it to the teller. Please be advised that at this moment around {$3800.00} dollars are so was in my checking account. {$380.00} in one ( Savings ) way2save account and {$150.00} in another ( Savings Account ).

On XX/XX/XXXX Friday night I checked my account to prepare for the next day and account showed the {$2000.00} dollars withdrawal and then a deposit of {$2000.00} with both of my Savings were depleated to XXXX funds because of this error on Wellsfargos behave as well as over draft fees created by this system error. I screen shot this for proof and evidence.

I discovered this Saturday morning, XX/XX/XXXX around the XXXX XXXX to XXXX, a negative balance of $ XXXX dollars. It also showed 3 separate in store branch cash withdrawals of {$2000.00} dollars totallying {$6000.00} dollars, which took all of my savings and then placed me in the negative.

I drove to the Wellsfargo, XXXX location and while in transition the Teller that made the transaction called me with to attempt to explain this error. Upon arriving to the Wellsfargo Bank I was greeted by gentleman name XXXX by name asking if I was XXXX XXXX. I said yes and he walked back to inform the Branch Manager which I saw through the Bank Teller glass. XXXX stayed back there and never addressed me concerning the matter. He had a cringing demeanor as if he did not want to explain this error to me face to face. I stayed for about 10 mins and upon being informed that there was going to be a temporary miscellanious funds placed in my account and that there was nothing for me to do, by XXXX  the floor representative, I left seeing that there was nothing for me to do concerning this matter.

The weekend passed and on Monday, XX/XX/XXXX morning my account showed {$900.00} dollars in my checking with overdraft fees and both my savings accounts still at XXXX  dollars. Monday passed and on Tuesday, XX/XX/XXXX there showed XXXX and XXXX funds in both of my Savings accounts with overdraft fees totaling XXXX.

I again screen shot these unjustly errors.
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-06-20
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: Experian Information Solutions Inc. (GA)

I have reported to Experian multiple times that they have out dated accounts still being reported on my credit report. Each month Experian workers have deleted and updated information with out proper investigations according to FCRA USC 1681 ( i ) I reported XXXX # XXXX should have been removed because the account became delinquent in XX/XX/XXXX. This would put it beyond the 7 year allowance according to the FCRA. When I disputed this fact Experian then deleted the pay history. This is on the Report # XXXX dated XX/XX/XXXX. Experian deleted all of the dates I disputed. This is fraud. 

I then resent in the copy by Consumer Financial Protection Bureau and received another altered updated report and not a re-investigation according to my FCRA rights. Experian then added account balances to the account for years in which they have reported the account to be closed. They reported Account Balances and Actual Payments made through out XX/XX/XXXX,XX/XX/XXXX and XXXX. How can this be if this account was closed according to Payment History was XX/XX/XXXX.  This is fraud. 

I want this deleted off of my file. I want this re-investigated and delete this account immediately. I also want copies of all files pertaining to this file and whom you collected data from. 

Experian has not verified the Terms, Monthly Payment, Credit amount, they have erased everything that is suppose to be listed
Consumer complaint received 2018-06-20
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. (IL)

On XX/XX/XXXX, I disputed with XXXX XXXX  two items on my Equifax Credit Report that were sent via certified mail. XXXX XXXX never replied within the time frame allowed. On XX/XX/XXXX I disputed with XXXX XXXX  again regarding the two items on my Equifax Credit report, XXXX XXXX did reply on XX/XX/XXXX, regarding the XXXX, however it was not within the time frame, and there was never a reply regarding the {$610.00}, Either one of these two items were ever verified. This was also outlined in my complaint # XXXX
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (FL)

My concern is that I am supposed to be in a repayment plan. And XX/XX/XXXX is supposed to be the last payment of {$720.00}. This amount is the same from XX/XX/XXXX thru XX/XX/XXXX. In XXXX, I asked a representative " after I make these payments will this bring me back to current! And the representative said yes. He was a man. The representative said your payments will go back to {$480.00}. The new mortgage servicer ( Loancare , LLC XXXX XXXX. XXXX XXXX XXXX, PA XXXX. Telephone number is XXXX ) is asking for {$480.00}, and I am not finished with the repayment plan which is due on XX/XX/XXXX. XXXX XXXX # is XXXX I will just say, for several years this has been my main concern ( mortgage ). I moved form XXXX XXXX to XXXX XXXX XXXX   Mortgage Servicing, a division of XXXX XXXX to Loancare , LLC. I tried to contact XXXX Mortgage Servicing, at the number that I always use and the new servicer picks up the phone. On another occasion I called the number that I received in the mail on Saturday XX/XX/XXXX. And they said that they could not see any thing yet to call back on Wednesday or next week. New servicer is XXXX.
Consumer complaint received 2018-03-06
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. (CA)

I received a credit alert several days ago that a hard credit inquiry had been added to my account. The inquiry is from XXXX and is date XX/XX/2018. I did not authorize this credit inquiry, and I don't not currently, nor have I ever had, a XXXX account. 

I have had several other fraudulent credit checks on my account over the last month, and I have issued a fraud alert on my credit, which was put in place prior to the date of the XXXX credit inquiry. 

I have attempted to contact XXXX customer support several times to notify them of the fraudulent credit check. My concern is that someone has used my personal information to open an account with them. All of my interactions with XXXX customer support have been unproductive. I have been told each time that they are unable to remove the unauthorized credit check, and have not given me any information or different point of contact to for how to remove the inquiry.
Consumer complaint received 2022-06-14
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. (FL)

I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and all 3 credit bureaus on XX/XX/2022 In regards to The late payments that are reporting on the 3 accounts listed earlier in this conversation. I stated " In light of your company 's verification that I was late, which I find to be incorrect, I'd like to know the mechanisms that are in place to investigate these erroneous late accounts. Did you even conduct a LEGAL INVESTIGATION because it is still not reporting a 100 % correctly? It's disappointing that your organization would choose to violate the FTC 's standards when conducting an investigation. I'm curious whether any additional consumers are being harmed as a result of your lack of research. What I'm interested in knowing is who you spoke with at the creditor 's office when you first began your said investigation. Also, please provide me with their complete mailing address. Furthermore, please do not send your template letter outlining how you conduct an investigation. I'd like to know exactly how you performed this investigation no outlines, specific details. Im sure you are aware that pursuant to Before you can validate a debt, you must first prove five things, the first of which is proving who the original creditor is, in this case, proving that I am the original creditor, which I have done. You can not legally claim to have conducted an investigation unless you conduct a legitimate investigation, such as one for a criminal offense. You need to speak with my friends, neighbors, family members, and me personally. If you have not completed this step, the investigation is not complete. As a result, you do not have any validation. And all info being furnished is supposed to be verified and investigated on before placing on my credit reports, so you have not properly investigated. You are in breach of the law. 
I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. 
Remove all late payments from my consumer report effective immediately. You are in violation. ''
Consumer complaint received 2018-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PlusFour, Inc (WA)

PLUSFOUR INC is the creditor has been on our credit report for a debt owed of {$860.00}. We have included PLUSFOUR INC. in our Chapter XXXX filing bankruptcy. It is still showing on our credit report as active. It needs to be taken off because it is included in our bankruptcy. The original creditor was XXXX XXXX.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NJ)

In XX/XX/XXXX I received an alert from a credit monitoring service that my score had dropped due to an account change. I logged in and saw that GM Financial had reported my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 30 days late. I immediately contacted GM Financial to report that when I log into their payment system, it showed my account has having a balance due of {$0.00} ( screen shots attached ). The only time it would show a balance due was towards the end of the month. I made the payments at that time and then they were considered 'late '. 

GM Financial customer service stated on XX/XX/XXXX : This is a site issue that we are aware of and our web designers are in the process of updating the system to get it corrected. 

There are also articles online where GM Financial admits having issues with their payment system when they updgraded in XX/XX/XXXX. 

I spoke with customer service both on the online chat and over the phone to explain my situation and have my account updated to show that the payments were not late due to an error on their end in their system. 

Even though they admitted they are having system issues, they said they will not do anything since they only have the date when my payment was received. 

I am being punished with late marks on my credit report even though their payment system has an acknowledged and admitted error.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (AL)

XX/XX/2008 attended XXXX XXXX but is now XXXX XXXX the student loan balance that is being placed on my credit is much higher than anticipated contacted XXXX XXXX  was informed the loans have sold out to various collection agencies have contacted several of these companies and their was no resolution solved these loans are really hurting my credit I cant purchase a home or anything I hope I can get some assistance with this situation