davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Overlimit fee — 
Company: WELLS FARGO & COMPANY (ID)

In XXXX 2016, I contacted my mortgage company, Wells Fargo Home Mortgage, and instructed them to start automatic payments for my next payment. I was told that it takes a full billing cycle for it to take affect. Given that the request was after my XXXX payment, my next full billing cycle was XXXX meaning that XXXX was when the automatic payment would take place. In XXXX, I paid my mortgage payment manually as I was instructed to do. Wells Fargo then proceeded to take an automatic payment out of my Wells Fargo checking account despite being told that this would n't happen until XXXX. This overdrew the checking account which caused a cash advance/overdraft protection transfer to occur from my Wells Fargo Credit Card. The process to reverse the payment was very time consuming and frustrating and I was told that the credit card department had to reverse all of the interest and fees associated with the overdraft transfers. I contacted someone at credit card and explained the situation and was told that there was nothing they could do since it was n't a bank error ( despite the fact that the ACH claim against the auto payment said otherwise ). I escalated to a supervisor who said they would reverse the charges. She reversed XXXX of the XXXX charges and did not adjust the interest. I contacted the bank again and was told that, again, it was " not eligible for reimbursement. '' I escalated to management again who said the same thing. I finally escalated past that point of contact to another manager who finally agreed to reimburse the overdraft fees. This entire process took over a month to resolve and I was told time and time again that, despite having notes on my bank account AND an approved ACH reversal, that it was entirely my fault.
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (AZ)

I am on the active military duty from XXXX XXXX. I and my husband ( XXXX XXXX ) get approved for SCRA benefit for our XXXX platinum cards XXXX and XXXX. The SCAR approved letter clearly stated that our billing for annual membership fee will be waived for the duration of my XXXX XXXX. We both paid the annual fee for XXXX $ on XXXX XXXX and that means this annual fee cover from XXXX XXXX to XXXX XXXX. Since my XXXX XXXX starts in XXXX XXXX, XXXX should refund part of our annual fee based on SCRA act since I join XXXX XXXX on XXXX XXXX, XXXX. I also check with the representative when I submit the SCRA application in XXXX and she told me the annual fee will be refund prorated from my start of XXXX XXXX after SCRA approved. My XXXX XXXX card already waives the part of the annual fee I paid early this year so I do n't pay the annual fee after XXXX XXXX due to SCRA act. I do n't understand why XXXX is handling totally different and refuse to refund half year annual fee when I am on XXXX XXXX based on SCRA. I talked with XXXX representative and they are really not willing to help on this issue and ask me to file the complaint to their corporate office. This is really not the service we expected. Please refund prorated annual fee for me and my spouse ( XXXX XXXX ) for  our XXXX plantium cards according to our SCRA benefits. Thank you!
Consumer complaint received 2021-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

PayPal closed my account no reason at all and will not help me get it back up and going Im not sure if its a mistake as I assume it has to be I have not been able to get help from then for months but I just realized i could file a report on here as I feel they are not doing there job properly in its affecting me during this pandemic covid 19 And it has been more a 180 days my email is linked to my paypal is XXXX XXXX
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

THIS IS NOT A REQUEST FOR YOU TO PUT ANY KIND OF FREEZE ON MY CREDIT REPORT OR TO PUT ANY KIND OF FRAUD ALERT. I AM CHALLENGING YOUR LISTING OF **XXXX COLLECTION AGENCY** ACCOUNT NUMBER XXXX AS IT DOES NOT MEET THE FCRA GUIDELINES. FIRST OFF I HAVE CONTACTED THIS COMPANY AND THEY ARE TELLING ME THAT XXXX XXXX NAMES IS ON THE ORIGINAL CONTRACT NOT MINE. SO HOW CAN YOU LIE AND SAY THAT YOU HAVE VERIFIED THIS ACCOUNT WHEN CLEARLY YOU HAVE NOT. YOU ARE BREAKING THE LAW AS I HAVE REQUESTED THAT PER SECTION XXXX OF THE FCRA THAT YOU FURNISH ME WITH THE ORIGINAL SOURCE DOCUMENT THAT YOU MUST HAVE ON FILE TO SUPPORT YOUR RIGHT TO REPORT INFORMATION AGAINST ME. YOU HAVE NOT DONE THIS SO YOU ARE NOW IN VIOLATION OF THIS SPECIFIC SECTION OF THE FCRA. YOU ARE HEREBY NOTIFIED OF MY INTENTION TO SUE TRANSUNION IF THIS IS NOT REMOVED FROM MY CREDIT REPORT IMMEDIATELY. NO MORE GAMES OR WASTING OF TIME. YOU HAVE 30 DAYS BY LAW TO PROVIDE ME THE ORIGINAL CONTRACT SHOWING MY NAME AND SIGNATURE OR REMOVE THIS.
Consumer complaint received 2024-10-07
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. (MA)

I have disputed this information with Experian and they have not removed the unverified and unauthorized inquiries from my credit report. 

I REVIEWED MY credit report and see there are some unauthorized inquiries reported that needs to be removed. According to the FCRA section 611 ( 15 USC 1681i ) these unverified and unauthorized items must be removed immediately. Under 15 USB 1681b credit reporting agencies can only furnish consumer reports to those who have permissible purpose as defined by the FCRA. This is considered identity theft accessing my credit report without my consent. I am using CFPB to ensure compliance with consumer reporting and attaching my FTC report
Consumer complaint received 2017-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CO)

Good afternoon my name is  XXXX   XXXX  have been a custom er with Wells Fargo  for a year or so now never have I overdrafted my account because I thought I understood the rules regarding debit cards in that you can not take money off of a card that does n't have funds available.  Wells Fargo  is claiming because it 's a reoccurring charge on my debit card they are allowed to process it and then charge me an overdraft whereas th e three ti mes before this the charge would be denied and then I would settle the problem with my insurance company however all the sudden the company has decided to charge me a {$35.00} overdraft fee when I have never had the problem before. I tried to call their customer support line and they told me because it 's a reoccurring charge it does n't matter that it was on my debit card their allowed to process it pas t   XXXX   a nd then she literally told me well if you can do anything else about it go to a different bank good luck and then she hung up on me very rude ly. Wells Fargo i s not a good company all they do is try to hurt their customers please impose a consiquence.
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Approximately four months ago I initiated a loan with Bank of America through a man named XXXX XXXX, the application number was XXXX. Bank of America assigned a closing date of XXXX XXXX. We requested this to be moved up to XXXX XXXX and they ignored that request. On XXXX XXXX and XXXX I was contacted by XXXX XXXX XXXX of Bank of America saying- after all of the underwriters had approve the loan previously- that they needed more information. The information they needed was assurance that I had more than {$40000.00} in cash reserves. I do most all of my banking at Bank of America and have roughly {$350000.00} available to me and Bank of America has access these accounts. The next day- one day prior to closing - XXXX XXXX contacted me again and said they had noted a payment to XXXX timeshares I own and I had to explain this to them. I own XXXX timeshares and I get bills every year like anyone who owns a timeshare and I paid them. I sent this information to them with a promise that we would close shortly the next day today XXXX XXXX. On Friday, XXXX XXXX, XXXX XXXX was not available nor washis supervisor. I then talked to another person, XXXX XXXX XXXX, who indicated that he would take that information and send it to the underwriter and that we would not be able to close on Monday but possibly Tuesday or Wednesday. The rate lock expires on XXXX XXXX. I fear that Bank of America after having this loan application for four months is now intentionally delaying the closure until the rate lock expires on XXXX XXXX, in order to renegotiate the loan in light of XXXX of the Federal Reserve indicating that rates will go up. I hope I am incorrect in this but I do need some assistance from someone with more clout than I have to get this loan closed in a timely fashion. I have spoken to an independent attorney and an independent mortgage broker both of whom indicate that the material they request is absurdly inconsequential and they feel the bank is not acting in good faith.
Consumer complaint received 2016-08-30
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (VA)

Freedom Mortgage Corporation is denying receiving monthly payments that were withdrawn electronically from checking account by their bank, XXXX XXXX XXXX. Freedom Mortgage has taken no action to track done these payments through XXXX XXXX even though they were given the Trace ID numbers. The only response to date on my requests to resolve these payments issues are letters saying they need 30 days to research, but it 's now nearing 60 days old and no response. I need assistance to resolve this issue as Freedom Mortgage only cares to charge me interest on payments their Bank withdrew and has no incentive to cooperate with me as they would prefer to foreclose and take my home. All request to talk to a senior supervisor while on the phone have been denied. Freedom telephone response is either their Cash Department or Research department will look into it. 

The problem began when I changed my checking account and bank routing information using Freedom Mortgage online system. Freedom says I closed my reoccurring payments, but their bank, XXXX XXXX XXXX, continues the unauthorized withdraws from my checking account without anything being posted to my loan. It appears Freedom Mortgage system did not properly transmit the correct data to XXXX XXXX XXXX. XXXX XXXX continued the withdrawals in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and this money is either going to someone else 's loan or being deliberately stolen my employee theft. Freedom Mortgage has charged me interest on my account for the mistakes made by them and XXXX XXXX, which is illegal and fraudulent. My bank has been on the calls, agrees with this assessment, and has never seen such bizarre behavior.
Consumer complaint received 2018-10-24
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. (TN)

" " '' I have disputed this Charge off XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX transferred my loan to XXXX while I was in a Chapter XXXX. This debt was paid then forgiven by XXXX however XXXX XXXX  XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the three credit reporting agencies to correct this information to no avail. I also provided the 3 credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my Chapter XXXX Attorney and will file a grievance with the bankruptcy court against this company and 3 credit reporting agencies.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have attempted to speak with a LIVE agent at Equifax but unsuccessfully numerous times. 
I am NOT able to logon to their Official website. It is NOT accepting my Username or Password. When I go to Forgot Password it prompts me to enter my Last name which I know and my social security number as well as my date of birth, I click submit but it automatically tells me that they can not log me on and that I need to call but when I look to the upper Left hand of the page it can see my name Welcome XXXX ... ( what is that??? ) I am not able to get through as the phone rings out and then hangs up. What do I do? I do n't know if I am affected by the security breach. 
I want to know if there is a Security and or Fraud Alert on my account and I need to dispute some things.
Consumer complaint received 2016-08-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Thaxton Investment Corporation (TX)

I suddenly began receiving notices addressed to a variation of my name from a " Covington Credit '' demanding that I contact them to avoid repossession. I have never heard of Covington Credit - know nothing about them. I believe it began about a year ago - I returned the first few notices - marked " Not at this Address - Return to Sender. '' They continued to send demanding notices - so I sent a note to them telling them that I had never heard of them, that I would file a complaint if they did n't stop harassing me with threats of repossession. A few months went by - then I received the latest - a demanding Settlement Opportunity to " get me started on the road to better credit. ''
Consumer complaint received 2018-10-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DOAN SOLUTIONS (TX)

XXXX XXXX ( XXXX ) XXXX calls repeatedly about a " federal loan '' that is not pertaining to me at all. When I call them and tell them about it they will say I'll be put on the do not call list and not bother me, but then still call me every week and sometimes multiple times in a day ....
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (PA)

THERE IS 14 INQUIRIES THAT I HAVE NO IDEA WHERE OR WHY THEY ARE THERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2017-06-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (FL)

It seems that there are  XXXX  separate collection accounts from the same agency for an   XXXX   XXXX   visit when my daughter   XXXX   XXXX   XXXX   on  XXXX   XXXX ,   XXXX  . I had never received notification of the debt. Only found out when I ran my own credit before shopping for a new car and a new house for my family.  XXXX   XXXX   XXXX  never submitted the claim to our insurance company so, of course, it was not paid. I contacted them to have them submit these charges to  XXXX   XXXX   XXXX   XXXX   XXXX  FL. They said they could not do that and to contact  Debt Recovery Solutions. Debt Recovery Solutions is either unable or unwilling to submit these charges to the insurance company as they should have been 3 1/2 years  ago. This should NOT be showing up on my credit. As a divorced mother of  XXXX , this is impacting our life greatly as I can not be approved for a mortgage with  XXXX  income AND this hanging out there. Please help me and my family!
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There is a Foreclosure & a Bankruptcy on my credit report. The foreclosure has not been foreclosed and probably never will because it is fraudulent. The Bankruptcy was caused as a result of the fraudulent foreclosure. I am consulting with attorneys to start a damage claim lawsuit against the mortgage co. I believe these items should be removed from my Credit File and Reports due to the fraud charge. These circumstances have caused a very negative impact on my credit and life.
Consumer complaint received 2016-08-30
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

XXXX & XXXX XXXX had a judgement issued against them from Wells Fargo, after XXXX lost her job. We contacted the Clerk of Court in XXXX County NC and was told to make a payment monthly. We have made payments since XXXX, never hearing anything from the bank or the attorney. This year XXXX XXXX my husband retired and we rolled his pension over to an IRA with Wells Fargo. We also kept {$27000.00} into our Savings for XXXX and home repairs. The money was deposited on XXXX XXXX, XXXX to both accounts. On XXXX XXXX, Wells Fargo withdrew {$7200.00} from our account for the judgement. We went to the local Branch in XXXX XXXX NC, to file a dispute on the withdrawn of the monies. We contacted Clerk of Court and was advised we had paid every month and they were unaware the bank to do this and encouraged us to file a dispute. The Bank Manager made a call and left a message to a member of the Collection Team ; the dispute was not filed and call from the Bank Manager or Manager of Collections. We were told the payments were to little ; in two years we had no communication from the bank or attorney. We were never notified to increase the payments. When I talked to Collector after the withdrawal, I was told the she keep seeing money come in our accounts. I have serious concerns that any one can access our account at anytime if you are a Bank Employee. I find this very unprotected and open to all. We have been told this was not allowed, if payments were being made. We should have been offered to increase our payments. This money was withheld from his pension for Medical Reasons and we are on a fixed income. My husband is a XXXX Veteran and was retired on XXXX.
Consumer complaint received 2017-06-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

Currently, I have a  XXXX  mortgage with  OCWEN Loan Servicing. Over th e last 3 months I have noticed that the payments are being applied to my checking account for deposit close to the late notice deadline, the  XXXX  of each month. In fact, two months back, I was charged a late fee although the payment was sent on the first of the month, before the deadline. I immediately started to receive threating foreclosure calls to my home. This prompted me to start tracking check deposit dates which in all cases were close to the   XX/XX/XXXX .  This month,   XX/XX/XXXX   the payment was mailed with 2 day delivery ( through the postal service ) and the check was not deposited until  XX/XX/XXXX .  <P/> I am concerned that this company is being intentional about late payments and perhaps derogatory credit rating. It was troubling that with a late payment ( which was their delay ) that calls started immediately to home threating foreclosure.  <P/> I am concerned about this company and their practices.
Consumer complaint received 2017-06-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I went through XXXX and they refer me to the XXXX XXXX XXXX to see if they can help us save our home. First XXXX XXXX from XXXX XXXX XXXX said that he can not help us when i explain to him the problem i have with my mortgage. Then he call me back and said that he will try and if it does not work he would refund my first payment of {$1900.00} a mont later i got a email that my claim was denied by my bank [ Chase ] try to contact XXXX XXXX XXXX but no respond, now my bank wants me to pay and i am short the {$1900.00} plus another month is added on to what We owed for our mortgage which is {$13000.00} and we only have {$10000.00} and Chase our bank do not want to accept partial payment.
Consumer complaint received 2018-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I have as well as, XXXX, XXXX and XXXX has contacted Bull City Financial over 20 times since XX/XX/2018 about a account for {$510.00} that is not mine. I have never had an account with this company, nor have I had one with XXXX XXXX. On XX/XX/2018 I also filed disputes with the 3 credit bureaus. On XX/XX/2018, XXXX completed its investigation and found out that it was not mine and they removed it form my credit report. I called them back with this information and they continue to say it is mine after they admitted to XXXX that it isn't mine. But they still refuse to remove this false account from my XXXX and XXXX XXXX reports. This account has been proven to not be mine as well as fraudulent. I'm escalating this complaint because when I call them they are really rude wouldn't let me speak to a supervisor, who they blind transferred me to and went straight to a no name voicemail. Can you please help me with this? I have uploaded a screen shot of the notification from XXXX showing that it was removed by them, Please help me.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

Well where do I start recently I had a complaint about my credit report I was denied a home loan because of a bankruptcy chapter XXXX on my credit report so I did sum investigation about my report so I went down town to find out what was going on so they didnt have a bankruptcy on me then I gave them the paperwork they sent me n they said that wasnt me. So then the told me too call XXXX XXXX the reporting agency I did so they told me they didnt have a bankruptcy on me so they sent me the paperwork n I called equafax n they said it comes from XXXX Im tired of this I have been denied me of housing because of this I have high credit cards rating cause of these simple mistakes I really should b conversated for this cause its making my life a living XXXX