davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I keep receiving calls from someone claiming to be representing Wells Fargo, saying that I owe over a XXXX dollars from an account that I haven't used in XXXX years. I called and spoke with Wells Fargo, and they assured me that it was a scam, and that they would never call and try to receive payment over the phone. What is bothering me is the person claiming to be from Wells Fargo knew my address and full social security number. How do I make sure that my personal information isn't being used by these scammers?
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

To whom it may Concern : I recently pulled my credit report and noticed that a late payment has been allocated to my credit file. When I called CITICARD customer service I was told that I was n't late. I explained to customer service that they have reported a 30 days last as of XXXX/XXXX/2015. After further research they advised me that they send a statement to my email address. I verified the email address that they supposedly sent the correspondence to which was not mine. I asked if there was a bill that was due why they failed to send it to the address that I have had with them since I have opened the account they could not give me an answer. I have received proper correspondence including all of my bills from them on every other occasion yet they are at a loss on this occurrence. In addition a few months ago I had mail stolen from my mailbox soon after that I noticed fraudulent activity on some of my credit and personal information. This may have been when the changed to my billing information on this credit card had occurred. I contacted all creditors to notify them of what has happened and to make special notes of potential fraud on my accounts. CITICARD failed to do so. I attempted to make the payment multiple times online but was given error messages. ( Saying they were unable to process my request ) I then called in to their customer service line to ask if there was an issue with their online banking portal and if I had anything due at the time. They indicated that there are no issues, my online banking is working and all is accurate. I then asked them to verify payments and my information they again advised that everything was correct. This was a complete inaccurate statement. There was several things that were wrong not only was my information changed but notification and payment information was not given and or correct. I have never EVER been late in the past and throughout my entire credit history. I also never had to make a payment over the phone in the past as I never had issues with any creditor 's online service. Please follow up on the action that has taken place. Correct the erroneous late payment as blemishing my credit history and take proper action upon the company as well as the service representatives who failed me as a long standing customer as well so diligent credit user.
Consumer complaint received 2015-10-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (TX)

XXXX just sold my account to a collection ( Afni ) and I have been make payments XXXX. Since afni have gotten the account they have been calling me several times a day even after I told them to cease calling me. They have been attempt to force me to set up payment arrangements with the. And I have told them I will not pay them bc XXXX is the company I have the contract with.
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (NJ)

I have a mortgage that was with XXXX XXXX for years, The bank was sold to XXXX XXXX in XXXX 2015, XXXX sold my mortgage to STATEBRIDGE LLC. XXXX 2015. I had a bankruptcy chap. XXXX, but never had any lates on my mortgage the mortgage was always paid on time and current, still is current. I have not received a coupon book, I called and was informed by XXXX that my mortgage was late?? My monthly P & I is {$830.00} plus tax escrow total pymt {$1100.00}, they took the {$1100.00} as P & I and added taxes to it making my pymt {$1400.00}, I tried to tell her that was incorrect. I faxed and mailed my note, mortgage, history and cancelled checks to show my loan amount, payment amount, and proof that the loan was current. I have called several times, wrote letters, emailed and faxed NO REPLY and I was told they cant talk to me. All I need if for this to be straightened out, my XXXX qtr taxes and XXXX qtr taxes have not been paid by them the money is in my escorw, I had to pay the XXXX qtr out of my savings so the taxes would not be late. All I want is for them to correct my account reflecting the correct payment amount, send me a coupon book and for them to pay my taxes on time. I have all documentation to prove my loan is current and what the payment is. Can you help. I really feel this company is trying to make my loan appear late so they can foreclose, I talked to another person who is having the exact same issue with this company. I need help resolving this matter and not getting any response from this company what so ever.
Consumer complaint received 2015-10-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX I was a victim of fraud to my checking account with Bank of America. I immediately contacted the bank to freeze and close my account ; the guy informed me he would open a claim for an investigation. But could not close the account until pending transactions were cleared, I assured him I had n't made any transaction and it was possible more fraud. After receiving the letter from the bank stating that the claim was in my favor I contacted the claims department again. They assured me that the account still pending transactions and not to worry once cleared the account would be closed. I then went to open another account with the personal banker, explaining the situation to her. A few weeks later I returned to the bank and was informed by that personal banker that the old account was still open, I was angry so she and I reached out to the claims department. Only to get an attitude from a lady who told me oh well it 's my fought and there is nothing she can do for me, so the banker tried to get the lady supervisor name she refused to give the information. After 30 minutes of getting nowhere we decided to end the call and the banker said she would forward the situation to her superior and she 'd contact me. Never heard back from her, a few weeks later the fraudulent charges were now transferred into my new account. Discouraged on how the claims department treats their colleague and customers, I felt another attempt to call would be a waste of time and energy. I then cut the card up and ended my relationship with the bank! It 's now XX/XX/XXXX and I was informed by another bank I had negative activity on my XXXX report. I filed a claim, only for them to tell me that BANK OF AMERICA says the information is accurate on my report! So XXXX fraudulent account that was never took care of, turns into XXXX negative accounts on my report. This treatment is unfair to the customers and I 'm sure against the law and I DESERVE JUSTICE!
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello! 
My SSN is : ***********I have disputed repeatedly with XXXX bank, the history regarding my charge-off. They are still reporting it showing past due {$1100.00}, even though it is a charge off. I have been told this is incorrect, ad they will not remove past due status. 

In addition, there is an item with XXXX XXXX XXXX, regarding a vehicle that I had voluntarily reposessed. The item in question is not showing a proper balance charged off I owed over {$4000.00} on this vehicle and was only given credit of just over {$1000.00} when they sold it. Extremely unfair practices, and this was not explained properly when the vehicle was reposessed.. 
In addition, there is an item for XXXX which is incorrect. I have been harassed repeatedly by XXXX very nasty collection agencies. I am being charged for equipment I returned and amount is completely incorrect. I do not owe this money.
Consumer complaint received 2015-10-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: FIRST HORIZON BANK (CA)

My HELOC with First Tennessee Bank is being reported as closed by the XXXX credit bureaus. I have been making payments on this account for over ten years ( last six months of statements are enclosed ). In XXXX I filed a complaint against First Tennessee Bank with the CFPB ( case # XXXX ) stating that my account was not being reported to the XXXX bureaus. XXXX XXXX XXXX responded by letter for First Tennessee Bank dated XXXX/XXXX/XXXX ( letter enclosed ) saying that they would take care of it. I disputed this response because although First Tennessee Bank started reporting the payments they still reported the account as closed. This is the current situation. The bureaus are reporting the monthly payments ( over {$2600.00} a month ) but still report the account as closed. On XXXX/XXXX/XXXX I contacted First Tennessee Bank 's Customer Solutions Department and asked to speak with XXXX XXXX but was told she does n't talk on the phone. 

I have disputed this account with all XXXX bureaus, even faxing in my HELOC statements while also pointing out that they are reporting the monthly payments but still reporting the account as closed. This has affected the average age of my accounts that affects my credit score. In XXXX I made the last payment on a six-year auto loan and the account was closed. The next month XXXX XXXX dropped my credit score XXXX points as my average age of accounts dropped to less than six months. This has affected my ability to refinance my HELOC which is in it 's repayment period. 

The timeline of this account started on XXXX/XXXX/XXXX when I opened this HELOC with First Horizon Home Loans, a division of First Tennessee Bank N.A. On XXXX/XXXX/XXXX the servicing of this loan was transferred to XXXX XXXX XXXX, XXXX ( letter enclosed ). The HELOC was then transferred back to First Horizon effected XXXX/XXXX/XXXX ( letter enclosed ). A letter dated XXXX/XXXX/XXXX informed me that First Horizon was now First Tennessee Bank ( letter enclosed ). 

ACTION NEEDEDThis HELOC with First Tennessee Bank should be reported as open with a 10 year credit history. 

Under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have contacted an attorney who has advised me to file XXXX more complaint against the XXXX credit bureaus with the CFPB. If this situation is not remedied I will proceed and file a complaint in Federal District Court for violation of my rights under the FCRA naming First Tennessee Bank, and the XXXX credit bureaus.
Consumer complaint received 2024-08-08
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)

My account with EXPERIAN was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX5 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year>, I mailed a letter to Experian via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) disputing several negative items on my credit report. These items are inaccurately reported with discrepancies, including a bankruptcy lacking essential information, as well as incorrect personal information. To ensure Experian could verify my identity, I included all required documents : a copy of my government-issued ID, Social Security card , and proof of address. 
However, despite fully complying with all necessary requirements, Experian refused to conduct a reasonable investigation. On XX/XX/year>, I received a response from Experian stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, when a consumer disputes the accuracy or completeness of information on their credit report, the credit bureau is required to conduct a reasonable reinvestigation to verify the information. Experians refusal to fulfill this obligation is a clear violation of my consumer rights under the FCRA.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo is an awful company. they are making it nearly impossible to fix my problem and if anything, have just made it worse. 
I noticed fraudulent actives going on as far back as XXXX of 2023. I was only able to add ten transactions to my claim and had to call an agent to finish off the rest. Which i thought everything was handled. But after being suspended from my online access I was able to see my claim and how much it was because after calling multiple times no agent would clarify how much the refund or if i would even get one. Well come to find out the Agent had added 30 transactions on top of my already 10 from my first claim. Which 25 out of 30 were not even supposed to be on there and multiple transactions that should be on there are not! After trying to get it fixed with the online agent, I couldn't finish it all with them apparently so had to call again and after waiting for an hour on hold, I finally got to talk to someone and then got hung up on. This is just all so ridiculous and so unprofessional especially from such a big company.
Consumer complaint received 2024-08-08
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-08-08
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-02
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. (TX)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-02
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. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-02
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. (VA)

am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian INCORRECT ADRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX