davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

I have  3 issues with Wells Fargo : 1 . Failure to honor a promise through Customer Service to refund overdraft fees, after discussing the entire affair with the  Executive Office.  I have a running message dialogue with  Executive Office re presentatives, and spoke on the phone ( where the promise was made ), and despite reminders and additional demands to honor the promise,  Wells Fargo ha s failed to follow through.  <P/> 2. The underlying unfairness of the fee itself, which I 've also messaged and verbally addressed with the  Executive Office. Specifically, it is Wells Fargo  practice with their debit cards ( and likely credit cards too  )  to BOTH pre-approve a card transaction on a low account balance AND to charge fees when the transaction exceeds the balance. In this manner, their practice functions to check available balance ( i.e., knowledge of low balance ) and approve card use despite the likelihood of exceeding account balance - and then they charge an overdraft fee. That 's patently unfair, especially when technology is used by other banks to only approve up to the amount available, after all the card used was a debit card not a credit card. Moreover, the vendor where the debit card was used was a gas pump. My other debit card from another bank only approves an expenditure that correlates with existing balance.  Wells Fargo ' s policy is unfair, manipulative and predatory. And, they have knowledge and control to prevent a customer from incurring repeat {$35.00} fees.  <P/>  3.  When I depos it a Cashier 's Che ck, which is a guaranteed funds instrume nt, Wells Fargo e mplaces a Hold on the funds. The Federal Reserve, which governs bank behavior and the proper treatment of deposits and the legality of funds holds, has regulatory provisions on Cashier 's Checks : From the Federal Reserve  ( o n Cashiers Checks ) : Sectio n 229.10  Next-day availability States that the regulation requires that cash deposits, wire transfers, and certain check deposits th at Congress b elieves pose little risk to the depositary bank, such as Treasury checks and cashiers checks, generally be made available for withdrawal by the business day after the banking day of deposit.  <P/> I have messaged th e Executive Office at Wells Fargo about th eir noncompliance with Federal Reserve authorities on Cashier 's Checks. The hold length they 've imposed is as long as 10 days! Cashier 's Checks are guaranteed funds and are cash equivalents. Their explanation for the hold includes account history. Beside the inadequacy of that justification under Fed rules for  Cashier  's Checks, their assessment of my account history directly ties t o Wells Fargo 's u nfair practices associated with  # 2  complaint above. That is, they 're unfairly charging fees and next using that unfair practice to justify an improper Hold emplacement upon a guaranteed funds deposit.  <P/> I have record of my messages with  the Executive Office at Wells Fargo, wi th names and contact information.
Consumer complaint received 2017-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (NM)

I keep getting calls from a company claiming to b e Wakefield and Associates, from   the number  XXXX   XXXX   XXXX   XXXX   XXXX  about an attempt to collect debt. I am not delinquent on any debt and have checked my credit report. I am in good standing on every single loan I have. They have not sent mail about what I supposedly owe and they do n't answer when I call back. They have called last night at  XXXX   XXXX  on a Friday, again on  XXXX / XXXX / 17 , and on  XXXX / XXXX / 17 . They are well past the 5 day limitation for sending a letter to explain what I supposedly owe. I think they are a fake company because the number does n't match what is listed on their website.
Consumer complaint received 2018-08-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: URS Holding, LLC (WI)

Since XX/XX/2017, I told my auto loan company that I have had some medical problems and was not able to work anymore. I kept getting repeated phone calls. I have requested for lower payments also forgiveness for at least a year until I could get back to work. I would get constant calls from a dept collector asking for the full amount of money. No matter how many time I asked to talk to their manager to see what other options I have, I never received a call or any type of letter in the mail. The only letter I received in the mail was from debt collector asking for full payment. They also said in the letter that there would be judgments out against me if I dont send them the full payment of {$11000.00}. 
Like I said I have tried multiple times to talk to management to find out what other options I had. 

XXXX XXXX , XXXX  was involved along with XXXX XXXX XXXX  XXXX.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (MI)

Hello my name is XXXX XXXX XXXX and on XX/XX/2018 I signed up with Experian seven day free trail and paid the {$1.00} with my debit card ending with the number XXXX from XXXX. At the time I was aware that I am a victim of Identity Theft and this was my reason for checking my score and after entering in my person information someone took over my email address which was XXXX at the time, charged my debit card for the full {$9.00} and also changed my cell phone number from ( XXXX ) XXXX to ( XXXX ) XXXX, all this by way of a computer. I had XXXX reimburse me for the {$9.00} and remove my debit card information. I recently received a letter from Experian and XXXX   stating I had to send more proof. I have the letter right here in front of me # XXXX and I personally think someone redirected my mail because I was sending a lot of notices out to each business, etc. When I received your letter it states XXXX XXXX XXXX with my current address which is XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MI XXXX. I had to changed my email address and phone number again and I have an XXXX XXXX number now because I'm not receiving my mail at all. I recently signed up for your free 7 day offer and used a new email address which is now XXXX. I later called to cancel because the person charged me {$29.00}? I called and asked why I was charged that amount and was told that I had asked for all three reports. My understanding was that I had signed up for the premium which was {$9.00} each month, so I ask the person to cancel my membership and got a new debit card. now I'm told that I have until the XX/XX/XXXX to check my credit online. That's find, but I want to know what happened to the {$29.00} charged to my account. I was under the impression that you are allowed one free credit report once a year. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Navient is my loan servicer. I paid over {$500.00} a month on my student loans like clock work ( using autopay ) for over 14 years because I had a good job which allowed me to make the payments with no problem. Unfortunately, after being with the same company for over almost 11 years, I was let go due to the company relocating to California. I continued to pay as long as I could, but then wasn't able to. I called Navient to try and work out a payment plan I could afford and was given no affordable options. I had savings, and was hoping to negotiate a payoff amount. I was told absolutely not an option. I warned if they couldn't work anything out for me that I could afford, and they couldn't negotiate a payoff amount that I'd no longer be able to pay on my loans. They said sorry, nothing we can do. I then HAD to stop paying because I literally couldn't afford it anymore. I am now being sued for defaulting. I still have no job because I haven't been able to find a job that would pay enough to afford child care. Everything I have found would be working just to pay for child care, which defeats the purpose of working at that point. I can't afford a lawyer so I am left with no options at this point. It is very frustrating because I feel like they should have worked with me back when I called countless times to explain my situation. Things didn't have to come to this ... negotiating payments or a payoff amount would have been much more beneficial to both parties. My credit, which was near perfect before this disaster, is totally destroyed. There is a reason there is countless lawsuits against Navient. 
I had paid the amount I borrowed before all this ... I was only paying the unbelievable amount of interest that was attached to the loans.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.
Consumer complaint received 2017-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On Friday  XXXX   XXXX   2017   XXXX  as i have this saved on my phone for personal protection against negligent non-comlpiance from TransUni on . I spoke  with a  XXXX  a  Fraud Assistant Customer Care Representative from ''TransUnion '', a s they are the only ones who can handle my report due to fraud on my credit file. I was on the phone for close to 30mins.  XXXX  found the recent Letter I sent to TransUnion regarding the many Credit Inquiries placed on my file due to Fraud, That letter Contained a  XXXX  Police Report of Fraud with a notorized FTC Identity Theft Affidavit. This is more than enough to vindicate me from these unauthorized ''Credit Inquiries '' on my file.  XXXX   XXXX  they would be removed in  24-48hrs, but as of now they still report on my TransUnion Credit File.    XXXX  I SIMPLE ASK FOR TRANSUNION TO DO WHAT THEY SAY, AND DELETE THESE UNAUTHORIZED AND FRAUDULENT CREDIT INQUIRIES AS THEY PROMISED. If TransUnion is still unwilling to cooperate i will have no choice but to send all this information to my Consumer Protection Attorneys, and My Attorney Generals office.
Consumer complaint received 2018-12-10
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. (AZ)

XXXX XXXX client XXXX XXXX is victim of identity theft. His information was used without his consent to apply for several credit related accounts. While clearing his issues his Equifax credit report listed the addresses related to the fraud. The addresses found are ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX A formal dispute of this information was provided to Equifax. Equifax confirmed the data removal in a letter however the credit report they provided still listed the fraudulent addresses after they confirmed the removal. This continued reported address is a violation of the FCRA and my clients federal rights.
Consumer complaint received 2018-08-19
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. (LA)

XXXX XXXX XXXX  is reporting two ( 2 ) accounts on my three ( 3 ) credit bureaus, XXXX, Equifax, and XXXX. 

I have regularly disputed these accounts over the past year. Over the past 6 months I have aggressively contacted them AND the credit bureaus each month via mail asking that they remove the accounts, since they do not belong to me. They only respond saying the information was " Verified. '' I have asked for actual verification with proof of me opening these accounts - when, where??? Provide me with my signature for this credit. They NEVER have. 

I have also asked them to STOP truncating the account numbers. It is unlawful to provide less than 100 % accurate information on credit reports. By truncating the account numbers, I DON'T EVEN KNOW WHAT THE ACCOUNT NUMBERS ARE. And they are providing inaccurate information. 

According to the Fair Credit Reporting Act, these are violations, unacceptable and unlawful.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax allowed a massive security breach that exposed my information and the information of millions of people. They withheld information long enough for the CEO to sell his stocks before the news tanked the stocks worth. Clearly this company is not capable or interested in keeping my personal information private but I can not opt out of their services. Normally, we would rely on this government agency to investigate Equifax. Normally, somebody who uses insider information to trade stocks goes to jail but it appears that this agency is uninterested in protecting public interests because it's totally corrupt.
Consumer complaint received 2017-06-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (SC)

I use an app called   XXXX   XXXX   it helps me with finances since I live paycheck to paycheck , Wells Fargo is EXTREMLY slow when sending information over and it 's really putting me In a hole when I need money available. I like banking with Wells Fargo but thes e wait times are killing me.
Consumer complaint received 2017-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion knows someone has been trying to open accounts in my name Despite sending them several police reports and letters from the companies themselves, they continue reporting information that does n't belong to me, such as  XXXX   XXXX ,  XXXX  and credit inquiries. i have n't authorized any credit inquiries in the last 3 years and none listed are covered under fair use, yet they refuse to remove them saying my documentation is n't adequate.
Consumer complaint received 2017-06-17
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: Experian Information Solutions Inc. (FL)

Someone stole my personal information and has been opening credit cards in my name. I 've submitted police reports to Experian and they refuse to remove the false, fraudulent accounts and inquiries. Someone opened a  XXXX    XXXX   credit card,  XXXX   XXXX   XXXX  Credit Card, and  XXXX . Additionally, there are numerous unauthorized credit inquiries I 've only allowed  XXXX  credit inquiry in the last three years. That is   XXXX   XXXX  .
Consumer complaint received 2017-06-17
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. (GA)

I have attempted to contact the credit bureaus on    XXXX   XXXX   requesting proper documentation for the things that have been reported. I did not receive a response, on   XXXX   XXXX   I called all three bureaus they stated they would provi de proper documentation within 30 days and I have received nothing.  <P/>   XXXX  - {$3200.00}, {$2900.00}, {$1300.00}, {$2100.00}, {$1500.00}, {$2000.00}, {$950.00}, {$1900.00}, {$140.00}   XXXX   XXXX   - &  XXXX ,  XXXX   XXXX   XXXX   XXXX   - {$460.00}  XXXX - {$710.00}   XXXX   XXXX   - {$1200.00}  XXXX - {$620.00}  XXXX - {$140.00}   XXXX   XXXX   XXXX  - {$150.00} & {$110.00}   XXXX   XXXX   I feel my rights under the FCRA had been violated because I was denied copies of documents that were supposedly used to validate accounts and public records on my bureaus
Consumer complaint received 2017-06-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On  XXXX   XXXX , I call ed USAA Debt Solutio n due to received a letter about loan being pass due. They refer me to   XXXX   XXXX   and I filled out an application for a short term hardship. I fax documents back and was told it can take up to 30 days. I called for updates and told it 's pending. Even called on  XXXX   XXXX  and  XXXX   XXXX  concerning another issue and not told approved. Received letter dated  XXXX   XXXX  threatening repo. Called  XXXX   XXXX  to  XXXX   XXXX  and told was approved for program on  XXXX   XXXX  but no one called to let me know because I 'm on do not call list. Stated no because I get collection call and never requested. Asked for date placed and why but was told no date. Reque sted manager callback. Manager callba ck  XXXX   XXXX  and tell me just got fill out new application because over 30 days. The process takes up to 30 days itself so. She stated ca n't use old approval. Get more calls and stated must pay by  XXXX   XXXX  or will repo.
Consumer complaint received 2024-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

On XXXX XX/XX/year>, I received a bill for my student loan payment, which indicated a payment due date of XXXX XX/XX/year>. This does not meet the Education Department 's requirements to provide a bill with at least 21 days advanced notice. I tried to clarify with EdFinancial why this occurred and they did not provide clarification on this, nor did they place my account into administrative forbearance to rectify the issue.
Consumer complaint received 2018-02-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

The credit agency has noted that my credit score is lower than it could be simply because I refuse to take on additional debt in the form or credit cards or loan debt. That is completely counter intuitive and absurd. Penalized for having too little debt and to few credit cards.
Consumer complaint received 2018-02-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit agency has noted that my credit score is lower than it could be simply because I refuse to take on additional debt in the form or credit cards or loan debt. That is completely counter intuitive and absurd. Penalized for having too little debt and to few credit cards.
Consumer complaint received 2018-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit bureaus has refused to correct /remove fraudulent and erroneous data from my report after several attempts and several months of disputes via certified mail, online and phone. 
They have also failed to provide me with sufficient evidence for these inaccuracies within the 30 day timeframe allotted by law. The most recent dispute was made XX/XX/XXXX. 

Erroneous data : all names other than " XXXX XXXX '' ( many incorrect spellings and middle initials reporting '' all addresses other than " XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX '' XXXX XXXX " late payment XX/XX/XXXX XXXX XXXX XXXX ' late payment XX/XX/XXXX'' XXXX XXXX XXXX XXXX " late payments 4 years ago on closed account '' XXXX XXXX XXXXXXXX " open account of $ XXXX " ( account closed as report states } Fradulent data : all Inquiries XXXX " open account $ XXXX " Transunion, XXXX and XXXX  have experienced security breaches. Therefore, it is in their best interest to correct this matter as it is adversely affecting me. My next and final step in this matter will be litigation. 

Thank you, XXXX XXXX
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I work with two companies why is my credit score only going up on point, I am a client of XXXX XXXX and XXXX XXXX, are the credit bureaus receiving the proper reports and updating it in their system. One company went up 1 point, that leaves me very concerned.
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (OH)

Corelogic Credc o indicated " serious delinquency '' on report provided to my potential home loan lender. I do not have any delinquency.   I tried calling the phone number on the letter provided but was on hold for extended period of time on   X/XX/2017    . I The website provides a link to submit online dispute, however the link page does not contain anyway to submit an online dispute. The consumer assistance page also does not have a link to submit an online dispute and provides only a phone number and mail address to mail the disputes. In addition, there are no fax numbers to expedite a dispute given the lack of online dispute option.  <P/> It is clear that the company is not focused on assisting consumers in resolving incorrect information being used by lenders among other businesses.
Consumer complaint received 2017-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I went to a  XXXX   XXXX  in Hawaii and paid the {$30.00} copay under my plan. They billed me for an additional {$20.00} after the insurance company paid. This ended up being an error on the part of  XXXX  and they 've sent the outstanding balance to a collection agency  - Transworld Systems ,  Inc.  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , PA  XXXX  -  XXXX . I spoke with my benefits department and they called  XXXX   XXXX  and  XXXX   XXXX  who confirmed it was billed incorrectly. I am concerned this is going to show up on my credit report as a bad debt when  one w as never owed.