davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

This is a complaint based on your letter of XX/XX/XXXX and it refers to my letter to Wells Fargo dated XX/XX/XXXX. 
I am in the process of reviewing my documents with respect to my mortgage and foreclosure with Wells Fargo. Wells Fargo did not accept my mortgage payments after XX/XX/XXXX and up until the eventual foreclosure in XXXX. I have attached another copy of my letter dated XX/XX/XXXX to Wells Fargo. Please note exhibits B, C and D. 
As you can see from the quotation within their letter dated XX/XX/XXXX ( exhibit B ) This was the first time that they did not accept my legitimate mortgage payment I made on XX/XX/XXXX. In addition, from their quotation there were previous remitted funds that had not been applied As you can also see in my letter of XX/XX/XXXX, that I requested the final destination of these unapplied funds. 
Exhibit C is their check that was sent back to me in the amount of {$2400.00} representing their refusal dated XX/XX/XXXX. I did not cash that check as this was a legitimate mortgage payment. Exhibit C is a copy of their check never cashed. 
As you can see from exhibit D, Wells Fargo in their letter dated XX/XX/XXXX stated Were writing to let you know that a check we sent you hasnt been cashed yet. Here are the check details : Check number : XXXX Issue date : XX/XX/XXXX Check amount : {$2400.00} Individual state law requires us to eventually send all unclaimed funds, such as uncashed checks, to the State Unclaimed Property Department if we can not locate the owners within a certain amount of time. 
My letter to the CEO of Wells Fargo dated XX/XX/XXXX has not been responded to as of this date. 
In addition, I requested Wells Fargo in my letter of XX/XX/XXXX to give me the page number and line number from their abandoned property report as a sufficient time has elapsed so that I may be able to reclaim these funds they never wanted. 
What I have written is not necessarily all my complaints, as I said I am still reviewing the documentation for the mortgage and the foreclosure.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

All three credit reporting agencies are reporting derogatory/inaccurate accounts on my consumer credit report. The accounts are listed as " charged off '' but I have never received a 1009C ( Cancellation of Debt form ) showing that the debt was cancelled. On XX/XX/2023, I reached out to each credit reporting agency regarding this matter, but nothing changed. The last date reported on some accounts are XX/XX/2023, so the inaccurate accounts have continued to be reported-even after the dispute. A couple of the accounts are showing the same account number but a different balance. I have copies of the letters that I sent to each credit reporting agency
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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  15 U.S.C . 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency make any consumer report containing any of the following items of information ; Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2019-01-12
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (WI)

In early XXXX, I ran into some financial trouble because my PNC bank account did not update on mobile banking over XXXX XXXX. This overdrew my account on the following Tuesday and because I was out of town and not working at the time, I had to wait 2 weeks for a paycheck to bring my account back to balance. I accrued over a XXXX dollars in overdraft and NSF fees and have records to prove this. I called PNC multiple times and asked of anything could be done to stop this with zero help. I was transferred to a supervisor department after the 1st employees claimed they could not reverse any of the fees as the system would not let them. The phone rang once and I got an automated message that said no one was available and the call automatically ended. Never called back. Accepting that they would not budge to work with me or help me at all, I paid the fees and brought my account back to positive and moved on. 

Fast forward to today. The company I work for has decided to switch to biweekly pay instead of weekly. These past 2 weeks on one weeks pay have been awful and stressful. However, we managed to make it to Thursday XX/XX/19 without overdrawing. My account was negative XXXX dollars on Thursday XX/XX/19. When I woke up on Friday XX/XX/19 my account was negative XXXX because of a few small transactions that went through and XXXX dollars in overdraft fees 3 XXXX  dollar charges each. So, my paycheck finally hit the account for XXXX dollars on Friday XX/XX/19. Then at XXXX on Saturday XX/XX/19 I was charged 3 more XXXX dollar overdraft fees after my paycheck had already hit the account. Because my paycheck has gone through I did not expect this. I have so many bills coming out this week from having to wait 2 weeks to get paid, that I can not afford XXXX dollars in overdraft fees. This is my whole grocery budget for the next 2 weeks until I get paid again and I literally have no food in my apartment. I called again today XX/XX/19 asking for assistance in this especially because my paycheck had hit and there is no reason for the fees to be met with no help again and told I should use tips to avoid overdrafting. Enough is enough of this. Ive paid so much in overdraft fees that I can't afford to live. All I want was the 3 most recent overdraft fees refunded to me so I can afford groceries so I don't starve without over drafting again and having the same thing happen while I wait another 2 weeks to get paid. I have exhausted all options to avoid this. I have overdraft protection on my account. I have alerts sent to me when my account drops below XXXX dollars. The way PNC does their business makes it impossible to avoid this because it happens over night while you are sleeping and then to offer no solution to a good, 6 year customer is frustrating and disheartening.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

XXXX XXXX charged to my account {$270.00} which was unauthorized. I called and canceled trail period in time. Out of the blue with out notice they charged my card causing XXXX over draft charges at {$25.00} each. Putting the total XXXX XXXX owes is {$350.00}. I was forced to use them while applying for a loan. As soon as I was done I called and canceled the trail period for {$1.00}. This is a scam derived to charge people for services when they have been cancelled.
Consumer complaint received 2018-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

XXXX XXXX Re : IC Systems Inc acct. # XXXX and acct. # XXXX Dear IC Systems XXXX , I have never received any written correspondence from this company. IC systems reinserted a collection to my credit reports with XXXX, XXXX, and XXXX  that results from crime ( s ) that have taken place. This is invalid. I didn't received any services or goods from the original creditor. However, I am still held responsible for this debt. You also have violated the FAIR DEBT COLLECTIONS ACT by adding a collection to my credit reports without my knowledge. Furthermore, you are also in violation of the FAIR CREDIT REPORTING ACT by reporting inaccurate information to data furnishers XXXX, XXXX, and XXXX. You were froward copies of an FTC Identity theft report and a sworn copy of an identity affidavit. Still you fail to comply with laws you are legally binded to adhere to. I am forced to led to lead to legal actions with IC Systems if this debt isn't removed. 

Thank you, XXXX XXXX XX/XX/1986
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern, I am writing to lodge a formal complaint regarding the persistently inaccurate information on my credit reports across all three major credit bureaus. Despite my previous attempts to rectify these discrepancies, my credit history continues to be misrepresented. I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the necessary actions are taken to resolve this matter promptly. 

As an identity fraud victim, I have diligently followed the necessary procedures to report the fraudulent activities to the Federal Trade Commission ( FTC ) and have submitted the required FTC Fraud Victim Affidavit. Despite these efforts, the credit bureaus, including TransUnion, have failed to correct the inaccuracies that continue to plague my credit reports. 

It is disheartening to see the impact of these errors on my financial reputation and creditworthiness. Therefore, I implore the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their failure to rectify the situation. I have included the supporting documentation, including copies of the FTC Fraud Victim Affidavit and any relevant police reports, to substantiate my claims and facilitate the resolution process. 

The credit reporting system plays a crucial role in our financial lives, and accurate reporting is vital for maintaining transparency and fairness. By addressing the ongoing inaccuracies and ensuring that the credit bureaus fulfill their responsibilities, the CFPB can help restore confidence in the integrity of credit reporting. 

I kindly request that the CFPB communicates with the credit bureaus, including TransUnion, to rectify the errors promptly. I also ask to be kept informed of the progress made in resolving this matter. Your intervention is greatly appreciated, as it will enable me to regain control over my credit history and restore my financial well-being. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to address these concerns and advocate for a fair and accurate credit reporting system.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (WI)

I signed a contract with XXXX XXXX to have solar panels installed at our residence. On XX/XX/XXXX, I paid XXXX XXXX a {$5000.00} down payment with our Discover Card for the project. Work was supposed to start in XXXX of XXXX. In XXXX of XXXX we learned through news sources, primarily The XXXX XXXX XXXX, that XXXX had closed and ceased work on all projects. I repeatedly reached out to XXXX through email, phone calls, and a certified letter, but heard nothing. When it became clear that we were not going to have our project completed, or our down payment reimbursed by XXXX, I filed a complaint with the Wisconsin Department of Agriculture Trade and Consumer protection, and filed a police report. I then reported the fraudulent charge in XXXX to our credit card company Discover and filed a dispute. On XX/XX/XXXX Discover denied my claim, saying in part that they could not " validate the details of your claim '', despite the fact that I provided the contracts, receipts, all communications, and the actual charge on the credit card. After receiving this I contacted Discover by phone XXXX times to get an explanation. I was given various reasons including that XXXX wouldn't communicate with Discover, and that the charge happened a long time ago. I found an online community of people who also lost money and/or have had incomplete projects through XXXX. I was ( and still am ) very frustrated to learn that pretty much all of the people who put money down through their credit cards were able to get the money back, including other Discover customers.
Consumer complaint received 2023-06-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Tesla, Inc. (CA)

I received a sales call from Tesla in XX/XX/2023 offering an incentive of waiving the disposition fees and the last 2 lease payments on my existing lease ending in XX/XX/2023 XXXX  XXXX if I purchase a new Vehicle. We went through the existing lease and met all the criteria. Nothing was mentioned about returning the leased vehicle in the same month of taking delivery of the new vehicle. 

I proceeded to place the order with Tesla on XX/XX/2023 solely based on those incentives and canceled an existing XXXX XXXX order that was placed on XX/XX/2023. ( Ref attached order & cancellation emails ). 

Upon taking delivery of the new Tesla ( XXXX ) on XX/XX/2023 and on the same day I attempted performing the return transaction on the app but the final quote was incorrect giving me an amount significantly more than the remaining lease payments. I attempted to reach out to the lease return team over the phone and was advised to make XXXX payment and wait for the final quote to be revised. 

I followed the instructions but still the final quote did not reflect the correct balance at {$4600.00} although the remaining lease payments is around & XXXX ( Ref attached quote ). 

On XX/XX/2023 I sent an email inquiring about the final payment adjustment to reflect waiving the last 2 lease payments and the response that the credit will be retroactively applied to customer accounts after the return and that I should proceed to return the vehicle. 

XX/XX/2023 I followed up with another email requesting clarification about the Tesla app instruction make the final payment before returning the vehicle and the response was " Once the lease has been returned, we can look into making the adjustments on your final invoice. '' On XX/XX/2023 I returned the vehicle and received an email confirming that 1 month lease payment amount was credited to my account ( ref attached email ), but that credit was not actually applied to the account. 

I tried numerous times reaching out via phone and emails ( see attached ) to resolve this issue but have not been able to.
Consumer complaint received 2023-06-28
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: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XX/XX/2018 I was laid off from my job and just days later had my wallet stolen. I immediately closed my checking account and opened new account with same banking institution. Unfortunately, I neglected to update online banking information when making XX/XX/2018 mortgage payment ; however, days later it occurred to me and immediately called Select Portfolio. The updated account information was provided to Select Portfolios representative and payment was made. The representative assured me the banking information had been updated online and no further action was required. This was not the case as the following payment for XXXX was returned by my bank as closed account. Although I can appreciate Select Portfolios concern, my sharing that I was assured by their representative in XXXX that my banking information was updated in their system was met with confrontation and requirement for future payments to be made by certified funds. Payment to replace returned check was sent by certified mail and received by Select Portfolio on XX/XX/XXXX. A few days later I received a collection call from Select Portfolio. Imagine my shock when I learned that said XXXX payment of {$2600.00} for XXXX mortgage was applied to line of credit rather than my mortgage. Since the payment on the line of credit is approximately {$330.00} each month, it baffles me why it was posted to that account. I was assured it would be corrected ten days ago and yet it remains unresolved. 
Unless corrected, I lose benefit of the tax deduction for 2018 for XXXX mortgage payment as a result of their sole action. Further, from a credit standing, it impacts to have late payment as a result of their ineptness and lack of interest to correct. 
As an aside, I did utilize the ombudsman with not as much as an acknowledgement much less a response. Any assistance you can provide in this matter would be very much appreciated.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (OR)

On XX/XX/XXXX Netspend allowed a fraudulent charge of {$650.00} to clear my account. I tried to be proactive and stop the charge while it was still In PENDING status but they told me I had to wait for the charge to hit my account ( this was all of my bill money ). I did as instructed and called them back to file a dispute to have the funds put back on my account. They then informed me that they have to do an investigation and my funds could potentially be put back in XX/XX/XXXX ( 3 weeks wait ) depending on their investigation. I submitted a claim to XXXX and they lied and told them they reached out to me twice XX/XX/XXXX & XX/XX/XXXX but I have no missed calls or voicemails from them and the agent XXXX who is handling my claim responded today XX/XX/XXXX to the XXXX but his voicemail says he is out of office until XX/XX/XXXX? My car payment is now 9 days past due and my car insurance is in jeopardy of lapse. I need the money back on my card NOW.
Consumer complaint received 2019-01-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP (NY)

In XX/XX/2018 i received a court paper-A SUMMONS from XXXX XXXX XXXX by way of Forster & Garbus LLP ATTY FOR PLTF. Stating i owe {$2200.00} for a pass debt. I do not even know this XXXX XXXX company so there for i do not believe i owe them any money have never spoken to anyone at that company have no contract with that company and would like for XXXX XXXX as well as Foster & Garbus to stop sending me courts papers, summons, collection paper. All mail to cease. 

Thank You