davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (GA)

Hello, I have a big problem with Wells Fargo bank my wife rented a vehicle from thrifty car rental, and gave them my debit card as a XXXX ID. she is not on my account, nor is she an authorized user on my account. she used her own credit card for that rental. a couple of weeks after that they charged my debit card XXXX dollars, i called them and they took it off so i called wells fargo, and told them that i feel that i am going to have issues with this company and to please cancel my debit card all together, which they did and the agent said as long as there is nothing on the account now they can not charge anything on this account about a month after canceling my card they charged my account XXXX i called right away and was issued a temporary credit and they told me that they needed a statement of what happened which i did on XXXX separate occasions, and i have the emails to prove it. Last week i got a letter stating that they are going to apply the credit back to my account because i did not send the proper information. i called an agent on the XXXX of XXXX and spoke to her. she said she will submit a request for more time to investigate on the XXXX of XXXX they applied the XXXX to my account, and now i am overdrawn for that amount. i called and warned them that i would call CFPB and FDIC and the agent bluntly told me that i have that right but that i have that right but that the bank also has the right to close m, y account at any time, which i do n't want they are a great bank, but this is a case of somebody not doing their job. i have since separated from my wife, but anybody can check with thrifty my name was never on that contract, and i never signed for anything. Please help me with this matter.
Consumer complaint received 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2015-05-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX, I invested in a website and lifetime hosting set up through this company : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. 
I was convinced to also invest {$7500.00} for leads in their special campaign in which their agents would contact the small businesses and assist them in obtaining authorization for credit card use. I would receive an agent percentage of the profit of each business transaction. 
With advice from a friend, I cancelled my contract within XXXX business days and called my Bank of America credit card, XXXX, to dispute XXXX charges, {$7500.00}, {$490.00}, and {$250.00} due to possible fraud. 
Bank of America aka XXXX Bank responded with a request for more information on XX/XX/XXXX. With the added information, they indicated that it would take some time to resolve the dispute. On XX/XX/XXXX, the customer advocate in the fraud department wrote that BofAm was " not able to process a fraud claim regarding the transactions on your credit card account. As a result, we will not be taking any further action regarding the transactions at this time, and you will be held responsible for the charges ... ... Our customers depend on us for the highest level of customer satisfaction, and we are committed to providing the superior service you deserve and expect. ''
Consumer complaint received 2015-05-24
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have had a XXXX XXXX for many years. I have also had an automatic payment withdrawn from my checking account for years after signing an agreement with the credit card company. Earlier this year I made a substantial purchase using a low interest propmotional check. XXXX billing cycles later I received notice that my account was overdue and I was charged a late payment fee. Customer service informed me that I would have to fill out a new automatic payment form which I did but not without complaint since I already had the automatic payment on my account.. They did drop the late fee. The next month, in XXXX of 2015 I made a telephone payment. At the time I asked the customer service representative if the auto payment would be in effect for the next billing. I was assured it was. On XXXX XXXX, 2015 I received a telephone call from a XXXX representative informing me that my account was overdue and was being turned over to collections. I informed the representative that I had auto pay. She stated that my auto pay had been discontinued because I had not used the card for a few months. She was courteous but unresponsive. When I asked her when the payment was due she informed me that it was due on XXXX XXXX, XXXX days previous. It was at this point that I asked to speak to a supervisor. She seemed disappointed which led me to believe that she was working on commission. The supervisor stated that due to a recent " conversion '' they were having problems with their automatic payments. She adjusted the late payment fee stating it would be removed from the account balance.She told me I would be required to send in another form for auto pay. I had an automatic payment large enough to pay off the purchase before or soon after the promotional rate expired. I believe XXXX is purposely violating the auto pay agreement in order to nullify the low promotional rate. In all the years I have had this card I have never had a late fee. 
At present I am not sure weather I still have the promotional rate or not.
Consumer complaint received 2015-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ASSOCIATED BANC-CORP (WI)

In XXXX, XXXX, I received a Earnings Garnishment from the XXXX Law Office. It was referring to a defaulted loan I supposedly had owed. I did not receive a Judgment from this law firm. I did however receive a Judgment for money from a law firm in XXXX, Wi. on XXXX. The amount was {$18000.00}. I sent a Validation of Debt letter to XXXX Law Office, certified mail receipt, on XXXX/XXXX/XXXX. I received the receipt from them on XXXX/XXXX/XXXX. As of this day XXXX Law Offices is not following federal law and has ignored my right to validation. I have not received anything. On XXXX XXXX, XXXX, I receive a copy of Notice of Retainer and Surplus Proceeds signed by XXXX XXXX XXXX, XXXX. in XXXX, wi. This is to XXXX XXXX Bank regarding a foreclosure I was under when the banks were committing mortgage fraud. My house was foreclosed in which I received compensation under the fraud lawsuit. From the paper work, Associated Bank filed the retainer against XXXX XXXX for money when the foreclosed house sold. Proving that the Associated Bank Loan was taken out with the home mortgaged through XXXX XXXX using the equity as collateral to secure the loan. I personally know the house was sold, I do not have any proof that Associated Bank had received any of these funds through XXXX XXXX. I am being refused any and all information in which I have a legal right to know. XXXX Law Office states they were hired by Associated Bank to collect. I believe this is a false representation of who owns this debt. They are currently garnishing my wages without providing proof or even a Money Judgment from them from the court. I am not aware of the technicalities of a fraudulent mortgage loan on a house that was used for a equity loan?
Consumer complaint received 2015-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (TX)

The account is listed is 9 years old. XXXX XXXX XXXX account number XXXX 
Experian refused to remove this and stated that it was due to be removed XX/XX/XXXX. This was reported XXXX and that would have to stay on my report 10 years instead of the 5 years that the rule requires. This is a flagrant violation of the rules that the other credit reporting agencies have followed. Since I disputed this my score with them has droppedXXXX points and I can only assume that they have reinserted some other accounts that have been removed. My son used to work for Experian and was told to put calls from the FTC on hold for XXXX minutes and then disconnect. According to the rules I can force anyone to disregard Experian and if they do n't I can report them too. Experian wo n't release my updated report unless I give them almost 40 dollars. They just XXXX off a XXXX veteran, XXXX, and a XXXX with an XXXX of XXXX. At this point they are on the verge of reaping a whirlwind. Their legal problems are going to dwarf whatever bribe they are receiving from XXXX XXXX XXXX.
Consumer complaint received 2019-08-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (GA)

I purchased a XXXX XXXX XXXX used car financed by Wells Fargo Dealer Services. The price of the Honda was $XXXX,XXXX. I put down $XXXX,XXXX cash and was left with a balance of $XXXX. I tried to make arrangements to pay off the balance within 60 days but instead I was forced into a loan agreement. Monthly payment for $XXXX with a interest rate for XXXX.XXXX. I was extremely afraid and I put total trust in the dealer. I was automatically enrolled in XXXX coverage for a financial obligation over a year. I had a accident while I was covered and I was denied insurance benefits although I had been paying for insurance coverage monthly with a$XXXX   increase in my payment every month. The damages totaled $XXXX to repair the damages and I paid the total claim from out my pocket. Depleting my funds to pay off my used vehicle. I was forced to go bankrupt with such inflated prices and fees I lost my car and I had to pay off the balance of $XXXX XXXX XXXX. I have been a victim of unfair lending practices and experienced discrimination EOCA. My terms were much more expensive than a XXXX friend I referred in the same situation I am. Where she only put down $XXXX loan payment of $XXXX  with an interest rate of XXXX.XXXX. Due to discrimination and unfair lending practices, I lost everything that I worked for my entire life. I have not had a vehicle ever since Wells Fargo robbed me of all I had. I am in the process of informing UNITED STATES TREASURER and file civil rights lawsuit against Wells Fargo Dealer Services.
Consumer complaint received 2015-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

A company " XXXX XXXX XXXX XXXX XXXX '' has become attached to my credit report and keeps bothering me for money saying that I owe them money. I never borrowed any money from them, do not know who they are, or how they messed up my credit report. I talked to a lawyer about it and he said I did not owe them any money, and what they are doing is illegal. How can they do this illegally, and putting themselves on peoples credit report and keep getting away with it?
Consumer complaint received 2015-05-23
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc (KS)

On XXXX/XXXX/2015, I received a letter from XXXX XXXX Bank XXXX Paypal. They state that the letter is in response to a request to open a PayPal Credit account, and that their records show that I requested to open an account or to make a purchase using the PayPal credit payment method on XXXX/XXXX/2015. 
They say they can not approve me for the following reason : My credit bureau indicates a freeze on inquiries. 
First of all, I opened a PayPal Credit account well over a year ago. It has a $ XXXX line of credit, and their system states that I have about {$1700.00} available credit. So they are obviously not turning down the line of credit. Second of all, I never attempted to make a purchase via PayPal Credit on XXXX/XXXX/2015 or even used a credit card through their system on that date. Moreover, I have had a freeze on my credit bureau for close to XXXX months now, have made prior purchases on the PayPal credit system without them pulling a new credit bureau, so even if I had attempted to make a purchase through PayPal, I have no idea what they are talking about or why they sent me this letter.
Consumer complaint received 2015-05-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Aspen National Financial, Inc. (AL)

They are calling my home and cell repeatedly at all hours insisting that I pay {$200.00} plus dollars more than I owe for processing fees, when I offered to pay what I had and thought that I owed, they refused to take my payment and continued to call multiple times a day. My husband tried to make a payment plan and they again refused to take partial payment insisting on more than we could afford, even though I explained that my husband had suffered a XXXX XXXX and is now a XXXX XXXX veteran and we are trying to recover financially. They call my home and XXXX of our cells repeatedly.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (OK)

American Express, inquired on my credit report. I sent a certified letter to American Express at their correspondence address advising I did not recall said inquiries or application to Amex for any of their services. I explained if they found I was in remiss to send all supporting documents to me for review. The time American Express is allowed by law has transpired and the inquire remains. I have tried to call several times however, American Express elected not to have fraud in America, in an effort to protect my self from Id theft I refused to provide my social security number to any agents other than those in the U.S. which is at my sole desertion. American Express has informed me that I am XXXX and elected to disconnect several times. Sadly.
Consumer complaint received 2024-10-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

My private loans have been through Navient for years, and these specific loans have co-signers. I am not able to lower my monthly payment ( they have 4 of these loans grouped into 1 monthly payment of over {$400.00} ), and they really don't give me any other options. This is a ridiculous amount, and plus, this loan was for my education when I attended the XXXX XXXX XXXX XXXX a school that shut down due to fraudulent behavior. For these reasons, I would like to have the loan ( s ) forgiven ( my federal ones already have been forgiven, too ).
Consumer complaint received 2015-05-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Jenkins, Wagnon & Young, P.C. (TX)

On XXXX ( XXXX ) XXXX a law firm named XXXX, XXXX, XXXX and XXXX filed a lawsuit citing that they represented XXXX for a debt and did not name the creditor or identify the debt source. The citations do not show that XXXX XXXX XXXX was ever served the citations as they are not signed. There was no other information sent notifying XXXX of the debt identification or how to resolve the claim. XXXX XXXX XXXX passed away on XXXX XXXX, XXXX after an extended illness. On XXXX XXXX, XXXX a totally DIFFERENT law firm ( Jenkins, Wagnon, and Young ) showing that they represented XXXX XXXX, XXXX ( which is not the original debtor shown on the citation in XXXX - different collection company name and different debtor ). There was no citation sent according to county records to attempt to notify XXXX or her estate of the claim. There was no no validation of the debt and no information sent disclosing what this debt is, the original creditor, and allowing the person OR the estate the opportunity to validate the debt. There are some legal time issues that also apply on filing or collecting within a year of the death of a person. 
This action is an unfair debt collection action. They have misrepresented information and facts about the original suit, the original debt collector and the law firm filing the suit are totally different entities that the judgement action entities. In addition, no notification was sent or served for the judgement action entities, no opportunity to validate the debt or respond to the action action was afforded either XXXX XXXX or her estate and respresentatives. This judgement was also filed over 18 months after the death of XXXX XXXX. 
There has been no response or acknowledgement of the original complaint and there has been no real response to my initial attempts to contact the creditor and communicate with them. Discussions with the original law firm disclosed that they will not be filing or asking for further action or judgement. I have no ideal what the debt is supposed to be as there was no disclosure of what they are claiming is owed, what kind of debt it is, whom it was owed to and other accounting information that would need to be disclosed to validate it.
Consumer complaint received 2015-05-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I tried communicating with lenscrafters several time due to a collection they reported on my credit report even though I paid it off right away. I have all the receipts and invoices that are necessary to prove that this account was paid a long time ago. However, they still reported it. So I called them several times and they told me to send them my documents ; which I did, and months later, they still have n't gotten back to me. I called them and asked and they said they do n't have a number to their dispute department. How is that even possible? How am I even suppose to know they 're looking at it? They would always tell me they 'll call me but never did. So I am hoping that by this complaint, it will open their eyes that this kind of matter should be taken seriously. It 's not like I just picked {$400.00} on the sidewalk and much more my credibility as a borrower to have that kind of remark on my credit report.
Consumer complaint received 2015-05-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a text from my bank today ( XXXX ) advising that my account has been frozen due to suspicious activity. I contacted them to learn that someone charged my card on XXXX in the amount of {$50.00}, and then again today XXXX in the amount of $ XXXXThe charge is listed to XXXX XXXX and I do not even have a XXXX account. My bank cancelled the card immediately, and I filed a fraudulent claim for the {$25.00}. The bank already reversed the charge for {$50.00}. 
When I looked inside my account I saw a number XXXX as the number related to these charges! I entered that number into a XXXX Search and it turns out that this is apparently some sort of widespread scam for which I appear to be a victim. 

Make sure your account is monitored at all times. File a fraudulent claim with your bank asap, and cancel the card that has been compromised.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2015-05-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: UNITED GUARANTY CORPORATION (MI)

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that I owed {$7200.00} ( {$4800.00} principal and {$2400.00} interest ) to United Guaranty and they were collecting. I have never heard of this company and do not have any unpaid loans. Upon calling to inquire I was told that this was a student loan of my daughter 's that I had cosigned on from XXXX XXXX XXXX University in XXXX where she attended in XXXX. She has not had anyone contact her from this or any other collection agency and is currently making payments on her student loans monthly.XXXX XXXX told me they did not have to contact her because I was a cosigner of her loan and I was responsible for paying. This is the first I have heard of this issue and it seems shady to me since it was over 10 years ago and no one has contacted me about it or contacted my daughter. She is paying her loan so this seems like a scam of some sort.
Consumer complaint received 2015-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (GA)

I do not owe this debt. Apartment rent was paid in full, lease was expired and apartment was left in good condition. I paid a deposit which should have covered any normal wear and tear that the apartment wanted to charge for.