davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

I am told changing my automatic payment with Wells Fargo is no longer possible with external accounts, so I resorted to manually making payments through their online portal. On XX/XX/2023, I paid the full amount due on my credit card. However, on the same day, Wells Fargo debited my savings account for the minimum payment and an over limit amount. Unfortunately, my non-Wells Fargo savings account did not have enough funds to cover both the full payment and the additional amounts. 

I was informed about this issue on XX/XX/XXXX by my bank where my savings account is held. To resolve the problem, I contacted Wells Fargo via phone and requested either the removal of the minimum payment and principal payment or an adjustment of the amount I initially initiated ( the full statement balance ) to account for the difference between the minimum payment plus over limit amount and the full balance. However, Wells Fargo prohibited me from making any changes to the payment. 

Additionally, when I attempted to add funds from another account on XX/XX/XXXX to avoid interest charges, I was also prohibited from doing so. On XX/XX/XXXX, I called Wells Fargo regarding the interest fee, but my concerns were ignored. No follow-up, email, or correspondence was sent to me regarding the approval, denial, or explanation of the interest charges. 

I will consider this issue resolved when I receive a full refund of the interest charged and when my full credit limit is restored. Currently, I am unable to access my credit line because Wells Fargo requires a letter from my savings account, on bank letterhead, confirming my ownership of the account.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I spoke with a representative from Experian credit bureau. I informed him that the po box they have listed XXXX XXXX XXXX XXXX NJ XXXX is incorrect. I asked him to remove the incorrect address. He informed me that he would not remove it because a creditor ( XXXX XXXX XXXX XXXX ) shows this incorrect address. This is my account and I am informing them it is incorrect. Why would he not remove this and go by a creditor, who has incorrect information. This inaccurate data can affect my credit score.
Consumer complaint received 2023-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

In XX/XX/XXXX I was given a trial modification of two months. XXXX started the modification. In XXXX I was told they didn't except my signature. They sent me a new signature page with postage. They claimed they didn't receive it. So uploaded it to their site. They accepted my XXXX payment. XXXX payment was returned with a foreclosure notice. My previous payment were not returned or applied to my account. My statements say no payment was made making my balance higher. They never validated my debt. My loan was originally a XXXX  product, and was sold after the big lawsuit that broke the real-estate market in XXXX. My mortgage was one of those mortgages. I have been trying to prove this since XXXX. I filed a wrongful foreclosure on my own, which I did incorrectly. The case was not going to be in front of the judge in time for the sale date of XX/XX/XXXX, so I filed bankruptcy on XXXX XXXX. The rears went on the bankruptcy, but they still won't except my payments, as of XXXX XXXX. They are trying to sabotage me and take my home. I have been trying to sale the home to get out of this situation. My XXXX  stopped the sale in XXXX of last year, and wouldn't except the payment for false liens. XXXX XXXX  XXXX has been harassing me for years with their self made rules. I have a civil suit pending, for the loss, the selling and discarding of my property, due to downsizing. I had a townhouse ready for purchase contingent on the sale which fell through. I had 5 closing scheduled waiting on a release that never came. These thingds made me have to move back in an continued this aggravation with Select Portfolio servicing LLC, the collection agency that services my loan.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NJ)

I do my banking with Ally Bank - an online bank with no physical locations. 

I have been their customer for many years and have not had any problems accessing my online accounts until XX/XX/XXXX. 

On XX/XX/XXXX, I tried to log into my account and could not. I got a message stating Online Access is Blocked. I called Ally on XXXX and Ally created a ticket # XXXX and directed me to follow up in a day or two. I called them again on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Ally keeps telling me that issue is being " reached '' and they can not provide estimated date when online access issue will be resolved. 

I use Ally for online banking purpose and not able to access is frustrating and impossible to manage my finances especially when Ally can not tell me when & if I will be able to access my account online.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : First Payment Was Never Missed : Contrary to the report, my first payment was made on time. I have attached bank statements and payment confirmations showing that the payment was processed before the deadline. This should not have been recorded as late. 
Clerical Error by XXXX : After contacting XXXX, it became evident that a clerical error was made when processing the payment. They mistakenly recorded my account as delinquent despite receiving the funds on time. I have attached correspondence with XXXX acknowledging this error and confirming the payment was made. 
Inconsistent Reporting : While XXXX and Equifax both show a XXXX late payment, XXXX has XXXX record of any delinquencies on this account. This inconsistency between the credit bureaus is further evidence that there is a reporting error. I have attached copies of my credit report from XXXX showing that the account is reported as current and up to date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ Credit Reporting Agency Name ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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. (PA)

I dont recognize these inquiries. Remove them immediately. THey are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These have no permissable use and according FCRA need to be removed immediately. I will sue if they arent not removed.
Consumer complaint received 2023-05-16
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (NY)

Hi, I had a gap  credit card that was sold to barclay bank. Gap  transferred all of my info including my checking information. I automatically set up my payments with ll my credit cards. Once gap  sold to barclay, they stop the automatic payments unknown to me. I call and requested help with the late reporting. They decline to help me. They said the did have my checking info to pull the payment but the automatic stop once the account was transferred. I just need help. I have never been late with gap  and now the killed my score and cause XXXX to cut my credit once they saw the 60 days late. Please help.
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (MO)

Green Tree the second lien holder for my home loan continues to be a stumbling block disallowing me the opportunity to take advantage of the HARP program and refinance my primary mortgage at a lower interest rate. I have tried to refinance XXXX times now. I applied this last time in XXXX of 2015 with XXXX, they have requested subordination from Green Tree, who charged a fee. XXXX XXXX paid the fee and have yet to receive the subordination requests despite several phone calls from the loan officer and myself. Today XXXX/XXXX/15 Green Tree informed XXXX XXXX that the request was canceled but could not answer why, yet they cashed the check. This seems unethical and unjust that the second lien holder is prohibiting me from taking advantage of the HARP benefits to include lowering my primary mortgage interest rate.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I previously filed a complaint about Webster Bank and what I feel are their use of totally unethical and unscrupulous practices and tactics that take advantage of unsuspecting customers. Id like your agency to be aware that I was charged a fee without being notified or receiving any explanations or justifications whatsoever why I was charged a fee. After contacting your firm Webster Bank claimed that this fee was because I am receiving paper statements, yet Ive searched my online bank account portal and there are no options available to switch from paper statements to statements by email. How are these charges right or fair when customers are not permitted or afforded the ability to change how to receive their monthly bank statements? I am not happy that the agency that is responsible for making sure that banks are operating in compliance or in accordance with the rules and regulations are not actively engaged in investigating customer complaints about fraud. I honestly expected that your agency would find wrongdoing and either issue violations or some sort of enforcement actions for there inappropriate conduct. It is extremely frustrating and aggravating that your agency does absolutely nothing but close continually customer complaints. When is your agency going to do what is morally and ethically right or correct? How many times must a customer bring to your attention that they feel there banks are operating outside of the law and taking advantage of unsuspecting customers with there bad faith and illegal actions and practices that I feel rip off and defraud customers that are struggling financially? I am taking my complaint to Eyewitness News and I hope that your agency receives the negative attention that I feel you rightly deserve because I feel strongly that all you continue to do is for cover up the inappropriate behavior committed by banks.
Consumer complaint received 2017-09-28
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: EQUIFAX, INC. (FL)

There are three old accounts that are not supposed to be reporting on my credit. In XXXX, I was laid off and unemployed for several months. I notified my creditors accordingly and while they still reported me delinquent on my credit, they agreed to work with me in the future once I paid back my debt. Only until recently in XXXX this year, I was finally able to pay off my accounts in full. Since I communicated my situation with my creditors for months, three of my creditors ( XXXX, XXXX and XXXX XXXX ) all agreed to request a deletion to the credit bureaus of my charged off accounts after I made my payments. The account number for XXXX is XXXX. The account number for XXXX is XXXX. The account number for XXXX XXXX is XXXX. Three months later, it is now XXXX XXXX and this credit bureau still has not honored my creditors ' request to delete these three accounts from my report. I have disputed this delay with the bureau but they are responding back only stating that the accounts have been verified. That is not even my dispute. I know these were previously my accounts. I am disputing the fact that my creditor sent a deletion request and the credit bureau has not made any changes to my credit. Just to be sure I 'm not being given the runaround, I called all three companies, XXXX, XXXX and XXXX XXXX this week and they confirmed to me they already made the request for deletion to the credit bureau in XXXX. This is clearly a problem and this is why I am filing this complaint.
Consumer complaint received 2017-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kelsting Group, Inc. (CA)

In  XXXX    XXXX   my son was transferred by ambulance from one  XXXX   XXXX  to another.   XXXX   XXXX   XXXX   was the  carrier  who submitted a bill to  XXXX  for services. Services were paid by  XXXX , however the check was never cashed and I was placed in collections. Several calls to  XXXX ,  XXXX  and the collection agency and this has still not been resolved.      XXXX  at  XXXX   XXXX  has NEVER returned any calls from myself or  XXXX , she refused to take payment.  XXXX   XXXX   XXXX  has failed to provide proof that coverage was denied or any other documentation surrounding the bill.     I have asked for this to be removed from my credit and they refuse.
Consumer complaint received 2023-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AXOS FINANCIAL, INC. (CA)

I paid off my deceased husband 's loan to Axos Finacial and they finally sent a refund check for the gap insurance but make it out to my deceased husband. He is now off the bank accounts so I can't cash it. Here is the email I sent them a month ago which they have not responded to : Four days ago, I emailed you about this problem, and I have not yet heard back. 

This is a difficult time for me as I am still mourning my husband of XXXX XXXX who I lost last XXXX. I am XXXX XXXX XXXX and navigating all this paperwork is hard for me, particularly when you do not respond in a timely fashion. 

On XX/XX/XXXX, I finally received your refund check for the gap insurance, but it is made out in my husbands name, not mine. He died unexpectedly and did not have a will. When he passed I removed his name from our bank accounts as I understood thats what I was supposed to do ; therefore, I need the check made payable to me. 

Also, I began this process of paying off the loan on XX/XX/XXXX. In the past, I have paid off car loans and bank loans many times and the process has always been that when I call they give me a payoff number that is good for 10 days. After many phone calls and emails on XX/XX/XXXX ( 33 days after I first contacted you ), you provided a payoff amount that you demanded be wired. The amount included a charge for the 33 days of interest that I would not have had to pay if you had responded in a timely manner. I calculate that to be approximately {$500.00}. 

Its upsetting for me to go through this process of selling my husbands truck as it was his pride and joy and he added a lot of custom features, even having a custom canopy built for it. But finances force me to sell it and you are making the process much more trying. Within ten days of the date of this email, I ask you to please respond to me, reissue the check in my name, and refund the interest due me.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am filing this dispute regarding Equifax, XXXX, and XXXX Credit Bureaus from XX/XX/2022. I submitted substantial documentations that all Credit Accounts on my account as PIF with proof of payments for each with a 1099C. The accounts were never resolved and after exhausting all other resources, I have been forced to complain against these agencies again. 

I also filed a complaint with your agency and never received a response or a resolution so this is also my second attempt with your agency. 

I wish for this to be resolved asap as it has caused substantial harm to myself as well as my potential in obtaining more credit with better rates/contracts. 

I have also requested all eroneous information regarding inquiries/wrong address information be removed or updated. Requests were not honored causing further harm to me per my inability to obtain more credit with better rates/contracts.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX... creditor is XXXX XXXX XXXX bank in the amount of XXXX dollars opened on XX/XX/XXXX ( in collections? ) XXXX XXXX opened XX/XX/XXXX and closed on XX/XX/XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX and closed on XX/XX/XXXX amount of XXXX it looks like it's XXXX funding XXXX bank opened on XX/XX/XXXX closed on XX/XX/XXXX amount XXXX dollars Credit XXXX bank Opened XX/XX/XXXX closed on XX/XX/XXXX XXXX bank * XX/XX/XXXX I received a letter in the mail that a account was opened in my name ending in XXXX but they needed more information me so they restricted the account I did contact them about this because this account was fraudulently opened and the other ones listed I have no knowledge of either and were fraudulently open also.I filed disputes about the other accounts listed
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (NY)

Experian is reporting inaccurate information on my credit report. The following information on my credit report does not belong to me : XXXX XXXX XX/XX/2023
Consumer complaint received 2023-05-16
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

When running my credit report I notice a few collections and charge off on my account that I did not authorize a XXXX XXXX account for {$4200.00} on XX/XX/2022 and another account with XXXX XXXX XXXX for $ {$6900.00} XX/XX/2022 The method that was use to open the accounts was a photo picture of my ID, Social Security number and drivers License was attain doing all of the transactions. All accounts was open on different dates.
Consumer complaint received 2023-05-03
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 — Investigation took more than 30 days
Company: TAG Intermediate Holding Company, LLC (CA)

Ive been disputing this matter for over a year on both of my vehicles which where purchased through XXXX auto tri color it been effectiving my credit score an business credit due to false info which Ive provided proof that the car was settled out as a total loss Ive submitted 3 disputed with XXXX XXXX with XXXX an once with XXXX my credit score should be in thee XXXX
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had written a personal check for XXXX dollars and the bank debited my account XXXX dollars causing my account to be overdrawn. They are saying they can't return my money for 1-5 business days which is unacceptable to me. My XXXX XXXX is elevated, I have to pay my rent and other bills. Since it was their error and not mine, you would think they could expedite this, but I was told they couldn't. Bank of America is holding my money that I need and will make interest on it while I'm just left with, that's the best they can do. The rich would have this solved in minutes, but us poor who need their money are left to suffer.