davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

Second time again, Wells Fargo has put a hold on a payroll check deposited into an atm again. Check was deposited in the amount of {$1800.00} on XXXX. Receipt of Check said funds would be available on XXXX/XXXX/2016. Now on XXXX/XXXX/2016 an email was sent that funds will not be available until XXXX/XXXX/2016. No first {$200.00} was made available. Called Banker who I spoke with a lady named XXXX and stated a REFER TO MAKER OF CHECK just like the last time. But according to bank last time after resolution it was because of overdrafts and insufficient fees ; which were cause on their part. Account was in good standing past 2 weeks except for that I had to pull out the {$200.00} that on XXXX/XXXX/16 due to no funds available. Causing me to pull the {$25.00} out of savings that I was trying to save up. Which I am in overdrawn balance of {$160.00} If I would have known this would occur again. I would have went to a check cashing place like I did 2 weeks ago and paid the cashing fee to cash the check. 
Wells Fargo is placing the holds and not trying to clear these check faster as causing an inconvenience. I already have scheduled payments that I set up one time future payments for bills. 

As Consumers we need better rights and protection to access our money faster and not placing these longs holds for almost 2 weeks.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (MI)

On XX/XX/XXXX I disputed the inaccurate date of deliquency with XXXX  and this company responded on XX/XX/XXXX with no correction of the information provided to the credit bureau. I have emails stating the first date of deliquency for loans sequence XXXX,XXXX,XXXX,XXXX was XX/XX/XXXX and XX/XX/XXXX prior to me filing a Chapter XXXX bankruptcy in which these loans were included. I spoke to the company and they stated they sent a request to the owner of the loans and hadn't received a response however AES still reported inaccurate information to XXXX  that is negatively and inaccurately reporting on my credit report. AES also sent me information on XX/XX/XXXX showing the current loan status for each loan and it states " claim paid '' but this is not what is showing on my credit report as of date. These loans are beyond the 7 year reporting period, no payments have ever been made by me for any loan. I dont have a contract with AES and never have held a contract with them regarding these loans. My credit report payment history legend is incomplete and missing payment data.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2018-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

This is about a deceptive practice by Wells Fargo mortgage, and me and my wife are innocent victims in this matter. It is about real estate taxes which we used to pay for many years. Wells Fargo went ahead and paid item without my knowledge. Wells Fargo started an escrow account which caused my payment to increase from {$1600.00} to {$4500.00}. I gave them all options to work with me to rectify this situation, but since they don't have any local office any where in my area where I can go in person and talk to someone about it. I have been talking to different people over the phone, spending countless hours in trying to resolve this issue. I need the help of Cfpb to look into this matter as a mediator, and help us as we are both senior citizens. This is our home where we both want to end our journey peacefully. I have {$250000.00} of equity invested in my home. I feel I am being black mailed by Wells Fargo. I have all the documentation to explain the situation if you need further information.
Consumer complaint received 2016-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Debt Recovery Solutions, LLC (VA)

There is significant threat. Debt collectors and identity thieves called my number [ automated ] and requested that I call their number. It is collection method and typical corruption. I suspect securities fraud/organized crime which has some behaviors and/or actions of insider trading or tax evasion. As a reminder., the call came in exactly at XXXX on XXXX XXXX, 2016. Never forget that someone [ who bribed agents ] got away with the same kind of evasion on XXXX XXXX, 2016. You remember? That is or exceeds {$680.00} XXXX in discrimination/extortion damage. I might contact the Do Not Call Registry if my suspicions or dislike to the FTC counselors would not totally XXXX [ procurement ].
Consumer complaint received 2024-08-28
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. (MD)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-08-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

Hello, I am writing to clarify my previously filed complaint XXXX against National Credit Systems ( NCS ). While the attached document NCS 2.pdf demonstrates that the company did attempt to intimidate me, I believe the more salient point is that my security deposit from XXXX XXXX XXXX  was not applied towards the alleged charges. Furthermore, the alleged debt itself was improperly dated by NCS, and the bathtub charge is wholly erroneous. 


Upon the termination of my lease with XXXX XXXX XXXX ( a property of XXXX XXXXXXXX ) on XX/XX/XXXX, I met all the conditions for the return of my security deposit. However, the deposit has not been returned, and I have received no explanation for its retention. The 30-day window required by Texas Property Code Section 92.109 has long since passed. The manager, XXXX XXXX, has ignored my request for its return. 

NCS contacted me on XX/XX/XXXX regarding an alleged balance. The bathtub resurfacing fee is erroneous, and the electricity charge should have simply been deducted from my security deposit. Additionally, this balance was dated XX/XX/XXXX yet not recorded in XXXX XXXX XXXX 's system until nearly a month later. Please see the attached document NCS 1.jpeg stating As of XX/XX/XXXX you owed : {$400.00} and compare it with the bill from TXXXX XXXX XXXX  XXXX XXXX showing the charges as having originated in their system on XX/XX/XXXX. Moreover, this bill shows a blank space for my security deposit, and shows " {$0.00} '' for deposits held. 

I have disputed this debt and requested accurate verification ; in response, NCS only sent me a letter ( NCS 2.pdf ) dated XX/XX/XXXX, containing vague threats of reporting the debt to credit agencies without a specific payment deadline. Following my initial complaint to the CFPB on XX/XX/XXXX, NCS has offered a " 50 % discount '' on the alleged debt ( NCS 3.pdf ), which was authorized by XXXX XXXX XXXX. Finally, on XX/XX/XXXX NCS merely re-sent the original erroneous bill as well as a copy of my lease, as a response to complaint XXXX. This copy of my lease ( XXXX XXXX ) fails to document my security deposit, as evidenced by the blank space after Security Deposit : on the top right of the first page. The final bill ( XXXX XXXX ) showing a blank space for my security deposit and " {$0.00} '' for deposits held conflicts with condition 13 on page 3 of my lease, which demonstrates that my lease required a security deposit.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

My loans were originally through XXXX XXXX XXXX ( XXXX ) which I believe to be a branch of XXXX XXXX XXXX. ( I got all my loans through XXXX XXXX. ) I have faithfully paid my student loans for the past ten years. I received information in XX/XX/XXXX saying that Navient would be buying my loans. I did not receive a reason. I did not receive anything that asked me if this was okay. I simply received a letter saying that Navient would be buying my student loans. I called XXXX  to find out what was going on only for them to tell me that they would still be servicing my loans and not to worry about it. On XX/XX/XXXX, Navient sent out a letter to me saying that they tried to mail me documents that were sent back to them. My address has been unchanged for five years. XXXX has had no trouble contacting me. Not only that but I then received a bill and a past due notice from Navient Dated for XXXX. I had already paid my XXXX bill which still has my loans on it. When reading the Navient bill, I discovered that Navient only purchased one of my loans, not all. Which was not stated in any correspondence from them. I called AES and they were very dismissive and arrogant. Upon calling Navient on XX/XX/XXXX, they informed me that I would no longer be paying XXXX for that loan, which I know is a lie. They demanded that I pay them. And said that they updated my address on XX/XX/XXXX of XXXX to my address. I have no idea what address they had. Clearly something shady is going on here. I am not going to pay Navient when I have already paid AES. I still do not understand why they would buy a loan I was paying on. I had not defaulted on it. This seems like a way for them to make up losses for court cases they have lost in the past. I am refusing to deal with Navient or give them my personal information because I was not involved in the process of them buying my good loan. Thank you, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I have provided proper documents that place me in good standing with said apartments. I have a release form that states I was never late and being released in good standing. I have requested a detailed document showing my balance from that date on the release form from property manager until the date of the XXXX ending balance. They have yet to send me that information. I did not accrue this balance. I have emails stating that my rent was to not be accepted as well as a good release form releasing me to any property of my choice. This is unfair and I am simply asking for a detailed receipt of the balance.
Consumer complaint received 2017-02-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

An acct was opened in my name with XXXX XXXX. Once I discovered this, I informed XXXX XXXX that it was not my debt. The account was charged off at some point and removed from my credit file XX/XX/XXXX. I received a notice from Portfolio Recovery Services on XX/XX/XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files XX/XX/XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. Portfolio Recovery Associates only sent me a collection letter and a XXXX XXXX statement from XX/XX/XXXX as verification on XX/XX/XXXX. Which is not validation of this debt. I responded to their letter on XX/XX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.
Consumer complaint received 2024-08-28
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY ()

The attached letters ( To Wells Fargo2 in particular explains the situation in full ) was composed and sent to Wells Fargo in 2008. They refused to acknowledge it and never refunded the money ( Except as described ). Their fees were unjustly and incorrectly applied, and designed to extract extra money ( ie. Applying fees not in transaction order, but from largest to smallest ). In this example, I could have fairly been charged one OD fee of {$34.00} if they had charged me in transaction order. Instead, they extracted around {$170.00} in fees by sending me into overdraft as quickly as they could. 

Earlier " mistakes '' they made caused me to have a lower balance than I otherwise would have, and this led to other overdraft fees and other penalties. 

I recently found this post and so am trying again to get a fair outcome.

XXXX XXXX XXXX   ) It h
as been 10 years and this account is long closed, but all relevant documentation was provided to Wells Fargo at the time. 

The name on the account was XXXX XXXX XXXX and the details at the bottom of the account were correct at the time.
Consumer complaint received 2024-08-28
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. (SC)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (GA)

I have contacted XXXX, Experian and XXXX about unauthorized credit inquiries on my credit file. I have not benefited from any of these unrecognized credit inquiries. I have filed a complaint with the FTC and received a report number.
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

As a result of TAX REFORM in late XXXX, the tax amount of {$3200.00} needed to be paid from the ESCROW account immediately. 

During my call with CHASE on XXXX XXXX, XXXX with XXXX XXXX from the Chase mortgage tax department several urgent items were discussed. 
1. I authorized the {$5.00} fee to pay this tax immediately. This was based on Chase providing information that the Town required a " batch '' payment, or pay this {$5.00} fee. 
2. Because XXXX XXXX claimed that Chase did not have the tax document, nothing could be paid. Therefore, I requested an immediate call from her superior. As of 1145 hrs, XXXX/XXXX/XXXX, no attempt to contact me in any fashion has occurred. 
3. The town has assured me that Chase DOES already have the tax bill. Incidentally, during the XXXX/XXXX/XXXX conversation with XXXX XXXX, she required the tax bill to be uploaded to their document server. I uploaded the tax document during this phone call. 

ISSUE : Chase mortgage refuses to assist this customer to expedite payment of the TAX bill and has found every excuse to avoid doing so.
Consumer complaint received 2018-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (CA)

On XX/XX/XXXX I noticed a new collection account had posted on my credit report and it was by a National Recovery Agency. The collection amount was for {$330.00} and it was said to have been opened/service sometime in XX/XX/XXXX. The collection first showed on my report in XX/XX/XXXX but was first reported in XX/XX/XXXX. I initially spoke with National Recovery Agency on that same day, XX/XX/XXXX. On that day I was told by a representative and a supervisor that the company could not tell me the nature of the debt. They also could not tell me what service I was supposed to have used during the said service period. I told NRA the debt was not mine for the simple fact that I NEVER had signed up for any of XXXX 's services. NRA could not give me any answers so they referred me to speak with the original creditor, XXXX. 
After spending over a half an hour on the phone with NRA, I called XXXX. Speaking with XXXX was worst because I spent over 4 hours speaking to a rep. in every single department within XXXX. XXXX had no recollection of me having service during the said period in XX/XX/XXXX. XXXX has an old account under the name XXXX XXXX but it was paid off, with a {$0.00} balance back in XX/XX/XXXX. Everyone I spoke to, in every single department refused to give me anything in writing. They also refused to tell their own hired company NRA to stop reporting me. 
I spoke to NRA again on XX/XX/XXXX and asked again for something in writing about this debt and again they refused.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MS)

Submitted all required documentation to Equifax in order to place a freeze on my minor children 's credit files pursuant to the Economic Growth, Regulatory Relief and Consumer Protection Act, on XX/XX/2018, the documents submitted included : 1 A copy of the minor partys birth certificate showing proof of parentage 2 - A copy of the minor partys social security card which provides sufficient proof of identification 3 A copy of my valid Drivers License which provides sufficient proof of identification 4 A copy of a valid utility bill verifying residence address. 
5 Completed Equifax Minor Freeze Request Form I contacted equifax and they verbally explained that the files were frozen ; however I never received written confirmation with their identification pin numbers. I have spoken with them numerous times only to be disconnected and even told that they arent allowed to place freezes on files for minor children
Consumer complaint received 2018-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OH)

XX/XX/18 I deposited {$2000.00} as an opening deposit for a new PNC bank account. The money was deducted from my outside other bank account but was never placed in the new PNC account. After 3 weeks of talking to PNC agents they informed me the money was at first " lost '' and then later jumped to say it was sent back to my original count. One agent told me the money was sent to a " XXXX account '' and I do not even have an account with this provider. It is XXXX XXXX the money originated from. Thus proving they sent the money back to a wrong account not owned by myself. After weeks of waiting and conversing with my main bank account provider- they informed me it was never sent back. PNC will not cover this {$2000.00} that they lost and will not give me any help. They told me to do a charge back at my original bank and I believe this is wrong and completely unnecessary because the money was mishandled in the hands of PNC. PNC bank should be the ones to reimburse me the lost money.