davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

About 11 years ago I opened a checking account with Wells Fargo. The product was to be free of monthly charges if I opened and sent XXXX $ a month to a savings account. 


I did this and have sent XXXX $ per month to the savings account without a miss. 


Several times over the past years Wells has tried to add XXXX $ a month fees to my account. I have after spending a great deal of time and energy managed to get these fees recredited. 

In XXXX and XX/XX/2018 they tried it again and deducted a XXXX $ " XXXX by Wells Fargo '' monthly service fee. I have never of " XXXX by Wells Fargo '' nor have I ever asked for it. 

I called Wells Fargo to try to deal with this latest attempt to pick my pocket. I was on the phone for at least 30 minutes, transferred to three different people. No one could deal with the problem. I was eventually transferred to someone named XXXX and after explaining my issue was disconnected by Wells Fargo without any resolution. 


They had my phone number, at least I had given it to at least 3 different people and never attempted to call me back.
Consumer complaint received 2018-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. ()

I have got mail today XX/XX/2018 that saying XXXX XXXX XXXX has purchased the above referenced account and is to whom the debt is owed. They telling on the letter I owed XXXX XX/XX/2018 Amount Due I'm confused I don't know why I owed that it not telling enough information why I owed that. Very Confused.
Consumer complaint received 2018-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AZ)

XX/XX/2018 i sent {$240.00} to a person using XXXX. They never sent me the tickets. I called my bank and they said they couldnt do anything about it. XXXX has to be held to higher standards if they are going to be involved in people 's money. Her email address is XXXX XXXX
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My credit score has always been in the mid to high 700 's, with no late or missed payments and a steady decrease in credit card debt. My mortgage company, XXXX, advised me on XX/XX/2018, that my mortgage had been sold to a company called XXXX. My mortgage was and continues to be current and, in fact, my latest mortgage payment was made on XX/XX/2018. 

I check my credit score regularly and was astounded to see that XXXX and Equifax had decreased my score by over 50 points, because it was reported that my mortgage account with XXXX had been closed. It was later noted that my mortgage loan had been transferred. I went online, only to see that scores of mortgagees had seen their credit scores drop by as much as 100 points due to the sale or transfer of their loan to a different mortgage company. 

I checked with XXXX and Equifax, both of which told me that there was nothing that could be done until the new mortgage holder began to report on time payments, which could take up to three months. When I checked with both XXXX and XXXX, I was placed on a conference call with both entities, both of whom sympathized with my situation and indicated that the score would be repaired within 1-3 months. 


I would like to know how a mortgagee, without fault, delinquency, missed or late payments could see a credit score plunge simply because his/her loan had been transferred by the original mortgage company to a new entity? What if someone needed to apply for a loan? What is the potential damage to a mortgage holder with such a dramatic decrease in a credit score. Is this even legal? 


I would appreciate your investigation of this practice, since my experience is not isolated, as my simple XXXX search indicated. All I typed in was " My mortgage was sold and my credit score plunged '' and there were multiple accounts ( some even worse than mine ) of instances where credit scores were dramatically damaged without fault or legitimate cause. I pity the poor soul who does not monitor his/her credit score and who applied for a loan, only to be subjected to a humiliating failure to obtain credit.
Consumer complaint received 2018-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

In XX/XX/2018 I notified XXXX of inaccurate information reporting on my credit file. I included an FTC Identity theft report along with proof of identity and a letter explaining that I was a victim of identity theft and to please remove the inaccurate accounts. XXXX later updated and stated that the accounts were updated and verified. This is found to be false and inaccurate because how could the companies provide XXXX with information supporting these accounts and the fraud accounts couldn't provide me with any contracts or any viable proof of such accounts belonging to me. XXXX  has decided to not follow as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. XXXX  continues to report fraudulent accounts on my credit file.
Consumer complaint received 2019-01-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Debt Holdings, LLC (AR)

XXXX XXXX SOLD MY DEBT TO UNITED DEBT HOLDINGS, TO WHOM SOLD TO XXXX AND FINALLY XXXX XXXX XXXX, TO WHOM SETTLE FOR . AND THEY KEEPING CALLINGS AND SHOW UP ON XXXX AGAIN. STOP CALLING MY MOTHER XXXX XXXX XXXX AT CELL.THEY KEEP VIOLATING " THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''.
Consumer complaint received 2019-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (FL)

I love the fact that Big Banks and even smaller banks have to answer to CFPB about the various complaints that your everyday consumer has to contend to. With close to {$1200.00} in my account BBVA Compass Bank made a choice to freeze my account and after waiting for someone in their Corporate Investigations department I am requesting that my money be mailed and all fees adjusted and a cashiers check be mailed to me as agreed by XXXX. The reason for this complaint is this, Is it ok for a bank to retaliate against a customer that filed a complaint against them for not being in compliance with REG E. Many people that have been victims of Identity Theft ( Such as myself ) are being denied permanent credit for charges I did not make or authorize! I understand this is a smaller bank but they are operating in the US but there are many complaints that BBVA has been in violation of Reg E : Congress passed the Electronic Fund Transfer Act ( EFTA ) in 1978 to protect consumers engaging in electronic fund transfers ( EFTs ). The law provides the legal framework for the rights, liabilities, and responsibilities of participants in EFT systems that consumers use such as automated teller machines ( ATMs ), debit point-of-sale terminals in retail stores, and automated clearing house ( ACH ) transactions such as electronic payment of a creditors bill from a consumers checking account. Regulation E implements the EFTAs requirements. 

Among its provisions, Regulation E specifies procedures that institutions ( including BBVA Compass ) must follow for investigating and resolving errors alleged by consumers for EFTs, such as an unauthorized ATM withdrawal. The regulation also specifies the extent to which a consumer can be held liable for unauthorized EFTs. To facilitate compliance, this article reviews the regulations error resolution and consumer liability provisions. 

ERROR RESOLUTION PROCEDURES : 12 C.F.R. 1005.11 Section 1005.11 sets forth the procedures financial institutions must follow after receiving notice from a consumer of an error for an EFT. Before discussing these procedures, it is helpful to identify issues that are deemed errors. Under 1005.11 ( a ), the term error includes : An unauthorized EFT or Debit Transaction.
Consumer complaint received 2019-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO HM MORTGAG is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to WELLS FARGO HM MORTGAG along with anotarized affidavit claiming fraud. WELLS FARGO HM MORTGAG is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like WELLS FARGO HM MORTGAG to close their files which have any information with my name & social on it ...
Consumer complaint received 2018-11-02
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. (HI)

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX  and XXXX XXXX
Consumer complaint received 2018-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc. (MO)

XXXX Account Number XXXX Status Updated XX/XX/XXXX Balance {$620.00} KANSAS COUNSELORS INC Account Number XXXX Status Updated XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX Balance {$5000.00} XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX Balance {$7100.00}
Consumer complaint received 2019-02-24
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. (MO)

As a consumer, I would like to dispute the following unauthorized accounts reporting on my credit report, some inwhich I've disputed before but did not get the results in reference to my disputes. Having your identity compromised is a nightmare in itself but even more disturbing when you report it and the major 3 credit agencies either ignore you, or do not follow the law of the FCRA. I would like to know exactly what Method did you and your employees used in order to verify these unauthorized accounts inwhich lead back to me. The accounts inwhich I'm requesting the Method of verification for or as following, ( A ) XXXX XXXX {$680.00} ( B ) XXXX XXXX XXXX {$140.00} ( C ) XXXX {$72.00} ( D ) XXXX XXXX {$690.00} ( E ) XXXX XXXX {$630.00} ( F ) XXXX XXXX XXXX  {$960.00} ( G ) XXXX XXXX XXXX {$670.00} ( H ) XXXX XXXX XXXX {$71.00} ( I ) XXXX XXXX Av {$30.00} ( J ) XXXX XXXX XXXX {$5500.00} ( K ) XXXX XXXX {$2800.00} ( L ) XXXX XXXX XXXX {$1700.00} ( M ) XXXX XXXX XXXX {$0.00} ( N ) XXXX XXXX XXXX {$130.00} ( O ) XXXX XXXX XXXX {$0.00} All the above accounts shall be followed with documentation of the Method of verification used and sent to me or as stated in the FCRA laws these accounts shall be blocked, removed, and/ deleted immediately.
Consumer complaint received 2019-02-24
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Performant Financial Corporation (GA)

Mr./Ms. XXXX : I am in receipt of your letter dated XX/XX/XXXX. This letter serves to inform you that I dispute the validity of the {$19.00}, XXXX debt alleged by New York State for the following reasons : - My accountant has twice submitted the tax returns in question to New York State ; the original tax due was {$9500.00} and New York State collected a payment in XXXX of {$3600.00}. New York State did not apply the payment to the tax due, therefore applying it in the most disadvantageous way possible to me - New York State Tax & amp ; Finance has been completely unresponsive to my efforts to settle the tax debt for a reasonable sum. They have refused to communicate with me or my accountant and claim, despite assessing the inaccurate, usury sum owed that they are unable to locate my filed returns - I contacted the New York State Taxpayer Advocate for assistance due to the Tax &  amp ; Finance Departments lack of cooperation. They sent me one letter but refused to return multiple phone calls from my attorney and I seeking to provide additional information - The penalties and fees included in New York States assessment are not only usury but violation of the Eighth Amendments protection against excessive fines I am retaining counsel to challenge this matter in state court. I am also, today, filing a complaint against your company with the Consumer Financial Protection Board. Your company contacted me after normal business hours at XXXX XXXX on XX/XX/XXXX. Be advised you are not authorized to contact anyone but me to discuss this alleged debt. You may contact me on at XXXX XXXX during regular business hours of XXXX XXXX and XXXX XXXX Eastern Standard/Daylight time. 
If Performant and New York State are interested in quickly resolving this matter, I will agree to pay {$6500.00} within 30 business days if Performant and New York State release me in writing from any further fines, penalties, liens, warrants and/or collection attempts.
Consumer complaint received 2019-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2018 I was involved in a scam.XXXX XXXX account had wrong billing information so I called XXXX to resolve the issue. The lines were disconnected and i received a call back from an individual falsely identifying themselves as employees of XXXX. The individual then informed that my XXXX account was being hacked. He told me I needed to buy XXXX  cards to contact the servers to fix the situation. After I got them, he told me that I was being hacked by XXXX servers and I needed to purchase " XXXX XXXX '' cards. I purchased some at XXXX grocery stores and they were telling me that some of the cards were working and others were not and that i needed to purchase more to have my phone unhacked. They were telling me that i was going to get a full refund because it was a problem that happy because of XXXX and XXXX. It really got out of hand and I didn't realize it could be a scam till one of the banks told me that these has been happening recently. I had no idea. These individuals were using tech jargon and giving ID numbers and phone numbers, I honestly should have known and I used poor judgment in this matter. A police report was filled.
Consumer complaint received 2019-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One I got hit with a hard inquiry on Inquiry from XX/XX/2018. 
I had spoken with this company and when I asked for a increase that it would be a soft pull because I didn't want any hard pulls on my credit, they told me would be no hard inquiry once i noticed there was one on my XXXX XXXX I contacted them right away. They said they would give me a courtesy removal as long as I make my payments which I have been doing. I had called them again Around XX/XX/2018. I never signed any documents giving any permission for a hard pull and would just like the courtesy removal as promised by there customer service team and sales reps.
Consumer complaint received 2019-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX I got hit with a hard inquiry on Inquiry from XX/XX/2018. 
I had spoken with this company and when I applied for the card for XXXX XXXX  XXXX  they told me would be no hard inquiry once i got one I took care of this right away. They said they would give me a courtesy removal as long as I make my payments which I have been doing. I had called them again Around XX/XX/2018. I never signed any documents giving any permission for a hard pull and would just like the courtesy removal as promised by there customer service team and sales reps.
Consumer complaint received 2019-02-26
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. (LA)

I had Child support on my credit file, so I never really used my credit, I have been paying it through my job for years and decided to apply for a small loan, this passed XX/XX/2018 and I was approved, but also found these other accounts and inquires on my credit report. I did a little research and found out what steps to take in correcting the errors. So I placed a fraud alert and file a identity theft report per the Fair Credit Reporting Act. I am attaching a copy of the identity report and would like these items removed, including the inquires accounts. I discovered through my research, that these items should be removed within 5 business days, once I provide the identity theft report. 

I also went to XXXX website and input my information and XXXX, stated the my personal data was stolen in their data breach..
Consumer complaint received 2019-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

I have XXXX stuck in my cash app account, Im not able to deposit my money to my card ; send or receive money. I have went about contacting them many times and they send me the same email saying my account has been closed. They have no telephone number just an email and I get the same automated email every time. I need my money to pay bills.
Consumer complaint received 2020-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (LA)

Cash App took my son 's money when he activated his card. This happened at XXXX XXXX on XX/XX/2020 when I was added to the call. Trying to calm him down, they got into my account and I had {$700.00} on there that I forgot was paid to me by my clients. I try not to use Cash App but that is what they had. They took my {$700.00} then went into 3 ( three ) accounts two at one bank and the other at another bank and tried to take out several dollars from. One account they tried to take XXXX in six different transactions, the 2nd account they tried to take {$250.00} and the 3rd account at a different bank they tried to get {$250.00}. I have notified my banks and filing fraud charges against Cash App. They have been texting me and calling me continuously but I am not answering their calls. I filed a report the the local police department here and I am filing a cw3 with the FBI Internet fraud. These people tried to take more than {$1500.00} from me and I am not sitting down likely with this. Cash App needs to investigate and see who is in their system scamming their clients. I have been told today of several people that this has happened too but no one knows what to do. It is time to STOP this and we are going to MAKE A CHANGE!
Consumer complaint received 2020-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

XXXX XXXX I called someone which I thought was cash app support. Only to turn out it was not it was a scam. He told me to download an app so we can figure this out together. The app was calling team viewer. That is the worst app in the world my life changed from that day on. He saw my account and my chime bank account was connected to cash app. He than was able to push number and said he was sending me money to see if my account can receive and than see if he can draw it back out. The whole time he was just taking my money XXXX. I was left with {$12.00} and {$400.00} something in my savings. I hope no one else go through this. Cash app finally email me back and said it wasnt anything they can do about it because it has already cleared. XXXX XXXX  said my dispute was denied. All these payments went out right behind one another to names I have no clue they are not in my address book or anything. I need help please. You can see when some transactions was canceled.
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HireRight Solutions, Inc. (NV)

After applying for XXXX XXXX, I was told I would go through a background check. The company that issued the background check was HireRight. One of the employers I listed was XXXX XXXX. I listed that I worked there from XX/XX/XXXX to XX/XX/XXXX. I also listed that I went by my maiden name while working there and that the company is also known as XXXX XXXX because XXXX XXXX was bought out by XXXX  XXXX. Well instead of HireRight looking up XXXX XXXX first, the background specialist looked up XXXX  XXXX and didnt find anything. They reached out to me regarding the situation and I wrote emails and called several times to explain the two different names. HireRight never ran a verification for XXXX XXXX with my maiden name and date or birth.