davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (CO)

After discovering this issue while trying to apply for a new mortgage, I tried the customer service numbers online. Each one was a dead end nobody seemed to know who to talk to about this issue at Wells Fargo. I closed the accounts in person and they do n't tell me that I still owe money?! I ended up going into the branch where I got some actual customer service. The lady worked with me to try and get me to talk with the correct people and actually appeared to be making progress to resolve this while I was sitting in the branch. The best customer service that I ever experienced at Wells Fargo. Before leaving, we submitted a letter to the credit department and they said that within 10 days they would resolve the issue with the credit bureaus. 9 days passed and I checked in to make sure that I could still expect the 10 days that I had been promised for this issue to be resolved. She broke the news to me that the process had n't been started since the paperwork was not transferred properly. At this point, I was up against a deadline and needed resolution immediately. It was going to be another 10 business days before I could even think about it being resolved. I spoke with a manager to see if there was anything else that could be done and spoke with one other department. The final outcome was that Wells Fargo would not admit any fault in not closing my accounts properly, not reporting to me that they believed I was late on payments, and causing my credit score to drop a substantial amount. I believe that going into a bank and talking with a banker to close accounts should be the most foolproof way to properly close accounts. This is not the case with Wells Fargo. In addition to not closing properly, there were not any phone calls made to me explaining the situation ( that they did n't properly close my accounts ) until they had already negatively reported against me. In the end, I 'm going to pay a higher interest rate on a 30 year loan over $ XXXX due to Wells Fargo 's negligence in properly closing accounts and properly contacting me when something was not up to standard on my account.
Consumer complaint received 2015-06-25
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank failed to fulfill its guarantee to pay any late fees associated with payments sent through their Bill Pay service that are delivered late. 
My mortgage payment was scheduled to be sent on XXXX XXXX, and was guaranteed to be received by XXXX XXXX. It was not received until XXXX XXXX. 
" If Wells Fargo does not properly complete a bill payment on time or in the correct amount, we will pay any late fees or finance charges that you reasonably incurred as a result, provided that your account was in good standing with the payee prior to this incident. ''
Consumer complaint received 2015-07-01
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: WELLS FARGO & COMPANY (LA)

It is a known fact that XXXX XXXX XXXX XXXX XXXX XXXX employees robo-signed affidavits claiming personal knowledge that consumers owed debts, despite having no such knowledge of the facts asserted. Court documents have shown XXXX XXXX XXXX XXXX XXXX XXXX employees signed between XXXX and XXXX computer-generated affidavits per day for use in debt-collection actions, without personal knowledge of the accounts, in violation of the FDCPA. 

To date, Asset Acceptance XXXX XXXX XXXX XXXX has a proven poor track record in regards to its collection tactics which have resulted in large fines from the United States Government and as well as from individual states. 

As of this year XXXX XXXX XXXX XXXX XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business practices, falsified data on debt information court documents and lawsuit court actions which violates Consumer Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX illegal unlawful business practices, falsified data on debt information and lawsuit court actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks to include myself which resulted in a Judgment against me that included falsified identification documentation in the court documents. In XXXX 2015, I contacted XXXX XXXX XXXX XXXX XXXX in writing requesting a settlement of the debt and as of XXXX XXXX, 2015, there has been no response and XXXX XXXX XXXX XXXX XXXX XXXX has gone silent, not responding to faxed information as per their request at ( XXXX ) XXXX, Attention : XXXX. 

I am requesting assistance with pushing for removal of XXXX XXXX XXXX XXXX XXXX XXXX on my credit file to include any court judgment against me as they contained falsified identification documentation in the documents submitted to the court from my file so that I can restore my credit and good name. 

I thank you for your time and I look forward to your response regarding my request to have the falsified court judgment submitted by XXXX XXXX XXXX XXXX XXXX XXXX removed from my credit file.
Consumer complaint received 2017-01-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I recently started receiving marketing from Wells Fargo and its affiliates. This is odd because I opted out of marketing and other non-essential information sharing when the account was originally set up in XX/XX/2016. It appears that Wells Fargo recently changed my opt out preferences without my consent to show that I did not opt out.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (TN)

I obtained a private loan with Wells Fargo for living expenses during grad school. It involved XXXX separate loans that accumulated each semester as I needed more as I went through grad school. This totaled to {$120000.00}. When I graduated XXXX XX/XX/XXXX, I had to wait to pass the board exam and obtain a job. I took over 1 year for that to happen. During that time, I had to go into forebearance with WF. When forebearance was up, I still did n't have the position, and I could n't pay the monthly repayment amount when forebearance was over. I ended up accumulating about 4-5 months of missed payments because I could n't afford it. I ended up getting a position which I started XX/XX/XXXX. It pays well, but I have additional debts : federal student loan payments for XXXX tuition, XXXX school, my wife 's XXXX loans, XX/XX/XXXX back taxes ( there 's a lien on our home because of this ), and a stack of credit card debts which one has gone to collections because I can not afford all of this even with my new income. I am trying to salvage what credit I have left. So ... ..lately, I have spoken with WF 's financial assistance people because they sent me letters and emails wanting me to call them to discuss " options. '' I spoke with them, and I told them my new income, my financial situation, and I can not pay their required monthly payment. One week later, they called me and stated that they can not work out any income based repayment because I make too much, and they can not lower the monthly payment because it would be subsidizing my other debts that I 'm trying to get under control. Because of my additional debts, my credit score is quite low, so they wo n't consolidate/refinance. They are threatening to " charge off '' my loans if I do n't pay {$5000.00} in back payments and then continue to pay the monthly {$1200.00} amount. They tried to explain to me their perspective of debt to income ratio which unable them to work with me in any way. 
So ... ..my complaint with Wells Fargo is this ... .... They are refusing to work with me on a lower monthly payment that I can afford in order to pay them back. They are threatening to charge off my loans at the end of this month. They are about to ruin me!
Consumer complaint received 2023-07-03
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. (MI)

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 2023-07-03
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: Self Financial Inc. (GA)

The company self reported a late payment to my report violation of my rights Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

15 U.S.C. 1681 section 602 says " I have the right to Privacy
Consumer complaint received 2023-07-03
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. (AZ)

Dear CFPB, I am writing to file a formal complaint against Experian, XXXX, and XXXX regarding their failure to remove fraudulent accounts from my credit report. I have been a victim of identity fraud, as evidenced by the attached police report. I discovered the fraudulent accounts Early this Year in XX/XX/2023 when I attempted to apply to purchase a home and discovered all these fraudulent accounts. I have made multiple attempts to dispute them with the credit bureaus, but they have failed to remove them. 

I believe that the credit bureaus ' inaction is a violation of the Fair Credit Reporting Act ( FCRA ), which is designed to ensure fair and accurate reporting of consumer credit information. The FCRA mandates that credit bureaus conduct a reasonable investigation into disputed accounts and remove any information found to be inaccurate or resulting from identity theft. 

Despite my diligent efforts to dispute the fraudulent accounts directly with the credit bureaus, they have not conducted a thorough investigation nor taken appropriate action to remove the inaccurate information. This failure to act has had a significant negative impact on my creditworthiness and financial well-being. 

Attached to this complaint are the following pieces of evidence : A copy of the police report detailing the identity fraud incident. 
A comprehensive list of the fraudulent accounts still appearing on my credit report, including their account names, numbers, and dates of opening. 
Correspondence with the credit bureaus, demonstrating my previous attempts to resolve this matter without success. 
I firmly believe that my consumer rights have been violated due to the credit bureaus ' negligence and non-compliance with the FCRA. I request that the CFPB investigates this matter thoroughly and takes appropriate action against the credit bureaus to rectify the violation of my consumer rights. 

To resolve this issue, I seek the following outcomes : The immediate removal of all fraudulent accounts from my credit report. 
Correction of my credit information to reflect the accurate and untainted status of my creditworthiness. 
Any additional remedies or actions deemed necessary by the CFPB to ensure full compliance with the FCRA and protect consumers ' rights. 

I would appreciate a prompt response from the CFPB regarding the initiation of an investigation into this matter. I trust that you will take appropriate action to address this violation and help resolve my complaint. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (CA)

Received update on my XXXX XXXX account of outstanding debt collection of {$430.00}. 
Received mail from debt collector ( Online Services ) which included bill from XXXX XXXX. 

Account information as follows : Account Number : XXXX Customer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Invoice Number : XXXX Referral Id : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Amount Due : {$430.00}. 

I was told by XXXX XXXX that the account was no associated with any phone number, but the email was : " XXXX '' I submitted a claim for the same amount and with the same account number last XX/XX/XXXX and the debt was cleared. 

I live in XXXX XXXX and have been living here since XXXX. This debt is not mine. This is a repeated fraud incident.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have mailed 2 disputes to XXXX, XXXX & Transunion. As well as upload to XXXX. I have not received any results only a letter from the bureaus stating that the dispute did not come from me. This is not true my disputes are coming from me.
Consumer complaint received 2023-07-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc. (TX)

I signed up with this company for short term loan. There was a monthly fee of XXXX, I cancelled the monthly XXXX fee in XX/XX/2023. On the dashboard of my account it show where I have the free account, however on XX/XX/2023 they drafted XXXX from my account. When you log in to " helllobrigit.com '' to follow the prompts for deleting your account the process is impossible. I want to close this account and have nothing to do with their company. I emailed them with no resolve in addition to refunding me my XXXX. 
Please assist me with this process so Brigit can stay out of my bank account drafting money they do not have permission to draft.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (CA)

Subject : Reopening the case # XXXX Bank of the West/ BMO converting my ROTH IRA to Traditional IRA and not taking responsibility or offering a remedy.

The Bank of Wests reason for not offering a remedy to their mistake was I should notice their mistake within 60 days and ask for correction.

This was not applicable to my account due to Bank mailing statement once a year. By the time they mailed to me my first statement, it was 12 months later.

Every Statement they sent shows after my name BANK OF THE WEST AS CUSTODIAN, and I paid a monthly fee for each IRA account.

They were the custodian, they are responsible for their mistake.

The Bank of the West has very sloppy works need to be investigated.

I have found 4 IRA investment forms provided by Bank of the West all of them have an error : these are re-investing forms belong to 4 different accounts but somehow they all show same account number. It looks like I reinvested same account 4 times, with 4 different terms, 4 different interest rates within 1 month.

The Bank of the West need to be investigated for their incompetency to find out how many senior citizens were not able follow up on their investment or trusted to Bank of The West were harmed.

Their incompetence is not limited to my 2 findings, I am pretty sure there are many more. XXXX XXXX XXXX
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

Pursuant to 15 USC 1666b A creditor may not treat a payment on an account under and open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this titled is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

I have been disputing with the Experian company for months now regarding the Validation of an account with XXXX XXXX. I am disputing that this account is being reported inaccurately and on those ground I would like experian to immediately stop reporting this account. when I have ask to reinvestigate Experian advises the account is correct and tells me not my inquiry is frivolous. Here the issues, that I am disputing which according to the credit act if information is not complete, inaccurate, or proof cant be provide it should be remove. On all three credit reports there are discrepencies, The dates that the account is open some reports say XXXX/XXXX/98 others say XXXX/XXXX/98. None of the credit bureaus have matching reporting dates while XXXX XXXX has no reporting dates. I reached out to the creditor and they advised that they were not able to provide me with the original date of a sign contract proving that i sign up for this account. So how was Experian able to validate this account with all these missing pieces. I also have file claims regarding identity theft and still Experian is not looking into just sending me a form letter stating they wo n't review it. i have sent them numerous correspondences with return receipts. My request is for Experian and all other credit Bureaus to immediately stop reporting this account due to the inaccuracy of reporting that is causing me not to get approve for credit,
Consumer complaint received 2023-07-28
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. (FL)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX & XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX & XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (AZ)

I reviewed my credit reports with XXXX, XXXX and Experian and found out that XXXX XXXX XXXX had been attempting to a collect a medical bill debt for {$880.00} against me. I never received a notice to dispute from the collector or original creditor. I sent a letter to XXXX XXXX XXXX on XXXX/XXXX/15 letting them know I dispute their claim under the FDCPA and am allowed to request validation from third party collection agencies. At the same time I sent the collector a letter requesting validation of the debt, I also notified all XXXX credit bureaus in writing that this information is inaccurate. 30 days later I have no debt validation from the collection agency and this information is still reporting on my credit reports and none of the reporting agencies will remove it per my requests.
Consumer complaint received 2015-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

XXXX cancelled my debt and issued me a XXXX on XXXX XXXX, 2010, just after I began a debt settlement plan. Since then, they have added interest and fees to the original amount due and are continuing to report the total amount as past due to the credit reporting bureaus, even though I was issued a XXXX and paid tax on the cancelled debt over 5 years ago.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

Equifax will not remove my IRS withdrawn tax lien. I supplied my form IRS XXXX ( Withdrawal of Filed Notice of Federal Tax Lien After Release ) and disputed XXXX times to no avail. 

The last time I filed a dispute I spoke to a Equifax manager ( XXXX ) stated that the lien was only released, not withdrawn. The representative said there is no way to remove a tax lien.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TN)

XXXX not reporting accurate information on XXXX credit agencies ... .On XXXX my account it states that the account was opened XX/XX/XXXX but on XXXX and Equifax it states the account was opened XX/XX/XXXX. Last payment on XXXX is dated XX/XX/XXXX but on Equifax report the last payment is dated XX/XX/XXXX. There is no last payment details on XXXX report. XXXX report states that the account was closed XX/XX/XXXX. However there is no information on date closed on XXXX or Equifax report. XXXX report shows " failure to pay '' starting XX/XX/XXXX. However, XXXX and Equifax is showing XXXX 30, 60 or 90 day late payments. I ask them to correct this information and their response was " we are not obligated to provide all of the documentation you requested. ''
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

I paid XXXX ( XXXX 's XXXX ) the balance of the account in the amount of {$880.00} on XXXX/XXXX/16. I showed proof with the receipt and the debt is still showing on all my credit reports. I called the office and was informed that the debt would be deleted but it is still showing charged off in the amount of {$1900.00} on my credit report. The debt was paid in full. The person who took my payment name is XXXX. Receipt number XXXX.