davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (MO)

When I signed up for my bank account, I opted out of the option to allow my account to go negative for overdraft purchases. My debit card is supposed to be declined if the account is overdraft or if the transaction will allow me to go negative. However, on XXXX/XXXX/16, my account was overdrawn because of debit card transaction and I was charged {$180.00} in overdraft fees. Since this was also a holiday weekend, the transactions posted to my account very late and were n't posted in order. I contacted my bank online via their messaging system and asked them to remove the fees as my debit card should not be allowed to go negative and my card was not declined. I did not receive a response. I called them on XXXX/XXXX/16, 2 weeks after I sent the message, and I was told that my account was opted in to allowing my account to go negative for debit card purchases and that I could not have the fees waived because of that. I explained that when I signed up, I specifically said I wanted the option for my debit card to be declined if my account is negative and they should also have the forms confirming that in writing, the forms were filled out with pen. If they made an error and registered my account incorrectly for their own benefit, they need to waive the overdraft fees.
Consumer complaint received 2016-05-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AZ)

A check was given to me for services rendered. The check posted and was cleared. 2 months later my bank informed me that the check was fake and was returned. This check was for XXXX. Check writers bank ( wells fargo ) never contacted me to ask if person who wrote check stayed at our Group Home. I have all kinds of proof that check writer and his wife both stayed with us for XX/XX/XXXX. My complaint is about the process the bank followed to arrive at their conclusion. If it is a fact that both husband and wife stayed with us then HOW DID THEY PAY FOR SERVICES rendered??? Did wells fargo ask for proof of how they paid for this service? NO they did not. Why not? 
The check writer signature is the same as on our Resident Agreement Contract. But if you notice when we took him and his wife to the doctors for a XXXX he signed for both him and his wife. Both signatures are different and also different from the alleged fake check. I would like proof from wells fargo how they paid for these services. This reversal never should have occurred until these questions are asked of the merchant. EXAMPLE You take XXXX friends to florida and rent a nice beach house for a month for XXXX and then lets say 5 months later I call wells fargo and say hey wait a minute I did not write or sign that check. Wells fargo says oh ok ... ... ... ..and then BOOM ... ... ... merchant is now out the money they worked hard for. There must be something in place that will help the merchant also. My belief is that wells fargo did not follow proper steps to keep the merchant side protected. I am very happy to supply any witness or document proof to show in fact both husband and wife did in fact stay at our Group Home for XX/XX/2016. My efforts in all of this is not about just getting my money back but to also look at Banking Institution Policies and procedures that end up hurting the merchants. 
Wells Fargo could very easily contact us but they choose not to. 
I am surprised this type of thing is not being used by world wide scammers ... ... ... ... ..it seems like a perfect scam. Just open an account with wells fargo and then go on vacation and then 3 months later say you never wrote the check. Wells fargo will check a few signatures and then just get your money back.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (OR)

I cancelled my credit card with Wells Fargo XX/XX/XXXX. I received no statements until XX/XX/XXXX, when I received a bill for the yearly credit card fee for a card I no longer had or was using. I was also notified that it was late. I called Wells Fargo and resolved the problem, paid the balance with the agreement that they would send me a refund check, as they acknowledged that it was their fault, and that I had, in fact, attempted to close the account. This was not supposed to effect my credit, and I had no other late payments on any of my accounts ever. Well, I have n't checked my credit report in about that amount of time, and I now see that there 's a ding in my credit. I guess this is why it 's recommended that one checks their score every year? Hopefully it 's not too late for this to be resolved. Thank you.
Consumer complaint received 2016-11-23
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (CA)

Leased a XXXX from XXXX, financed by US Bank. 
1. was not told to bring charge cable to inspection and was charged for it - have letters sent from dealership to show it was returned 2. was not given access to inspection prior to turning in the lease, completed by Autovin 3. XXXX repeatedly sent late information from US Bank, making it impossible to do what they asked XXXX for lease return ) 4. was never sent information on lease return and normal/excessive wear and tear until 7 weeks after turning in vehicle 5. inspection and " excess wear and tear '' from their contracted inspector, Autovin, contradicts the documents they sent me 7 weeks after returning the vehicle 6. involved my insurance company whose photos and reports show normal wear and tear and not excessive as was claimed by XXXX. called US Bank on XX/XX/XXXX and asked about XXXX dispute process '' outlined in their invoice - they sent the initial report and the " excess wear and tear brochure '' that they said I should have received 3 months prior to turning in vehicle, but outlined no process and provided me with no options
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I provided the FTC Report directly to Transunion they confirmed they have got it XXXX XXXX  The department confirmed they received my FTC report!! I have a police report on file as well!! I am unfortunately the victim of identity theft these are not my inquiries!! I did not authorize them please delete immediately!!! 
Transunion : file number # XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> These are not my inquiries!!! 
They are fraudulent!! I did not authorize this please delete immediately according to the FCRA this is fraudulent inaccurate information Thank you!! 
XXXX XXXX
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY (MD)

I have a credit card with Wells Fargo. On this account I have a promotional balance ( for a transfer balance at a 0 % interest rate ) however my statements does n't inform me of when the promotional balance will end and how much interest I will be charged if not paid of by that date. All my other accounts with a promotional balance provide a separate line for a promotional balance and tells me the balance for the transfer and the amount of interest to be paid of not paid with the agreed upon time period. I think Wells Fargo is n't being transparent with these current practices and given their past history they should be providing services to customers to create trust and transparency. their current practices elude that they are trying to make money off interest that will be paid if customers do n't pay of promotional balances in a time period that customers are required to track.
Consumer complaint received 2016-02-01
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am writing to dispute Nation Star Mortgage account number XXXX alleging that I am behind on a mortgage payment which in fact my mortgage was sold from Bank of America account number XXXX in XXXX XXXX, I had a direct deposit from my bank to Bank of America and XXXX XXXX payment was sent back to me which I forwarded to Nation Star Mortgage but Bank of America kept my XXXX payment. I was even sent a letter saying that I would receive my XXXX XXXX payment. 
I had contacted XXXX XXXX Mortgage and told them about the problem and they sent me a letter saying that they found nothing wrong with my missing payment. I also contacted Bank of America and told them that I needed that XXXX XXXX payment and they said there was no status on it so it could n't be released and after hearing this news, I contacted a lawyer XXXX and paid {$250.00} to have this issue resolved but the lawyer was unable to do so. 
I have also recently, filed a dispute with the Real Estate Settlement Procedures Act agency regarding this matter.
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I completed the Student Loan Rehabilitation Program on XXXX XXXX XXXX after XXXX consecutive on time payments. I was in default on my student loans and dreaded the calls from the collection agency. I decided to address the defaulted loans in XXXX XXXX. I was told by the collection agency and the guarantor that all negative entries related to the default and late payments would be removed. I am aware that in certain circumstances if you were delinquent prior to entering into said agreement those negative items could remain. That was not the case with my XXXX tradelines that are in dispute. I repeatedly asked both parties to be sure I understood. I made my monthly payments to XXXX XXXX on behalf of XXXX. XXXX had received my loans from XXXX Bank. XXXX STATED that the XXXX Bank tradelines would be updated to reflect no late payments or they would be removed completely because of the Statute of Limitations ( XX/XX/XXXX ). All XXXX of the ( XXXX ) tradelines would be removed as well. XXXX was removed. XXXX will not update the information and as a result Equifax, XXXX and XXXX are stating that " XXXX '' says the information is accurate. The information is not accurate because XXXX is also stating to the XXXX Bureaus I had a late payment in XXXX XXXX. I have not had any relationship with XXXX since XX/XX/XXXX. They refuse to update even after I called XXXX directly as instructed by Equifax and XXXX. The credit bureau representative stated that there is a XXXX balance on my report for all XXXX XXXX entries and the lates will be removed according to their records in XX/XX/XXXX so " you do n't have to wait much longer '' and it is not affecting your score. It is affecting my score because it shows XXXX late payments for all XXXX loans. I do not want to wait 2 months to get information off of my report that should n't be there, I most certainly do n't want to wait two more years. The fact still remains that I have met my on time payment obligation. I paid as agreed and now the credit bureaus should follow the rules and comply as well. It is very difficult dealing with XXXX as a regular everyday working American. I understand that the credit bureaus do n't want to deal with it either, but it is their job to get proof and resolution. They have not done either. XXXX Bank should be deleted from my file. They refuse to provide proper documentation to support what they 're reporting is accurate and this is wrong.
Consumer complaint received 2016-02-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Navient Solutions, LLC. (CA)

I have contacted General Revenue Corp 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XX/XX/2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account Number XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2016-09-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Zenith Financial Network Inc (NM)

See the letter attached : XXXX/XXXX/2017 Zenith Financial Network ( ZFN & Associates XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Stop calling me. This has been my number for 17 years. I continue to get calls from ZFN daily at XXXX XXXX. You are looking for someone named " XXXX ''. There is no XXXX at this number and has never been. Every time, and I mean each and every time, your agents call me they are rude and have the nerve to tell me to mind my manners - EXCUSE me XXXX, you are calling me at XXXX XXXX almost every single morning even after I 've wrote your company twice already and am constantly put in the position of having to explain this issue to your collectors who call me. What the XXXX? Are you just XXXX or do you just feel it is within your right to treat people who have no association with you like XXXX? You are the epitome of a bottom-feeder. This is the classic legal definition of harassment. I work at home. The telephone is my tool to do my work. I live with my wife and XXXX minor daughters. My wife and I have never, ever been late on any financial responsibility much less had the need for a collector to contact us. In fact, I am a consumer financial regulatory consultant working in the industry for 26 years. My job is contingent on being financially responsible for which I am required to certify twice annually. I know a thing or XXXX about debt collection laws and your action clearly demonstrate that you are not compliant - ILLEGAL is the accurate word for your business practices! 

This is my XXXX, and final written warning. This combined with the numerous times I have verbally informed your company of your mistake and continued harassment should be enough even for the most lazy, incompetent slackers who are employed by your company to understand that YOU ARE IN THE WRONG. THIS IS NOT A PLOY TO BE SKETCHY AND AVOID PAYING A DEBT. The actions by ZFN are negatively impacting my quality of life and disrupting my professional responsibilities. Your actions are a clear violation of the FDCPA and TCPA. Consider this a formal, and final, cease and desist notification. 

In summary, I have explicitly stated on many occasions, both verbally and in writing : I do not know who you are looking for, You have the wrong number, To remove my phone number from your database/list, To stop calling me, That your continued calling is harassment and illegal. 

By the way, it would be much more convenient for me to call the number listed on your web site XXXX XXXX XXXX ) but the call goes straight to a permanent busy signal. You 're not fooling anyone. This is an intentional effort on your part to evade being contacted.
Consumer complaint received 2015-12-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP (NJ)

Pressler and pressler of XXXX Nj have taken from my bank account almost {$3000.00}. They have taken out money which they have no recollection of. They have no documents of the funds taken out and have asked me to find the proof they took it out. I called my bank which they clearly see pressler and pressler are the ones who took out my money. They have wiped out my account one week before XXXX. Please help me. They have been causing me nothing but stress the past 3 years. I do n't even get notices from them. When I called them after they took the last of my money again they gave me an address I lived at ten years ago!!! They were n't even sending the notices to my current address!!! The funny part is that they had my current address. It seems like they were purposely sending to my old address to have full power on knowing they will be able to clean out my bank account. I 'm a single mother and work XXXX hard to have these scam artists take my money!!! Please Help me.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

had requested Equifax to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Consumer complaint received 2017-01-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

In XXXX we got a little behind on our mortgage payments with XXXX. We got caught back up but then they sold our mortgage to Carrington before we were able to apply for Mortgage assistance. We were transferred over to Carrington as of XX/XX/XXXX. I applied for mortgage assistance with Carrington in XXXX. I sent the required documentation via USPS on XX/XX/XXXX. I received a letter asking for additional documentation so I called and asked what they needed. I was told that my husband had not signed the signature page and that they needed more pay stubs from me. I get paid one time a month so I had only sent one stub. So, on XX/XX/XXXX I sent the completed packet once again with three months worth of paystubs via USPS. I also uploaded my paystubs to their website. I received a letter dated XX/XX/XXXX claiming they are cancelling my application because I failed to provide the required documentation. When I called them on XX/XX/XXXX, the date I received this letter to find out what was going on and why they had not applied the checks they have been cashing to my account I was rudely informed that I had not turned in the required documentation on time and that they will not apply the money to my account until they have full payment. When I questioned what documents they had not received they told me my paystubs were not sufficient and that I needed to send in a letter explaining that I only get paid once a month. I informed the woman that it is clearly stated on the pay stubs the dates I am paid for. Long story short, I ended up hanging up on the woman because she was not listening. I called out local HUD agency and she referred me to you. SImply, I would like to reduce my mortgage payment because I am currently unable to pay {$950.00} per month and still maintain the other bills I have. I have requested they simply lower our 6.75 % interest rate, but they will not do that. I would like to receive mortgage assistance because I do not want to lose my home. My husband and I both work hard and have jobs, we are not trying to get out of paying our bills, we just need a little help right now. I do have documentation but it is all paper copies. If you would like me to send in my paper documentation I can. Thank you.
Consumer complaint received 2016-03-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NV)

There was fraud on my wells fargo secured credit card. I disputed the charge, wells contacted me and and we began the dispute resolution process. I spoke with the dispute resolution center several times. They assured me during this process I would not be debited the amount in dispute. On XXXX XXXX they suddenly closed all my accounts without warning and froze my account. I had asked if such an action would be taken during my conversations with the dispute team and was assured it would not. I now have no access to my funds and no other bank account as I was not prepared for such an aggressive and seemingly illegal maneuver.
Consumer complaint received 2016-10-31
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

Carrington Mortgage Company was sent a payment on XX/XX/2016 from XXXX, XXXX XXXX, however continuously called and harass for a payment that was already received. When I spoke with the representative on XX/XX/2016, I was told they did n't receive the payment for XX/XX/XXXX from XXXX, XXXX XXXX XXXX and that was XXXX 's payment they received for XX/XX/XXXX of {$1300.00}. Carrington XXXX has placed negative remarks on my and my wife 's credit report for XX/XX/2016, and XX/XX/2016 for XXXX problems that were not our fault as too why the payment was late. XX/XX/XXXX 's payment was late due the banking error that they admitted to in a letter that was sent us. I faxed the letter to Carrington and was told no negative remark or late payments will be reported to the credit bureau after speaking with the Manager. XX/XX/2016 payment was late due thier website, we attempted to make a payment several timesmall online but their website would not accept one. We called to get assistance from customer service but was unsuccessful due to the lack of support, inaccurate information being given, and u professionalism not given. When we finally decided to just pay from the checking account their system had a clitch in it and we were held at fault for thier mistakes. Carrington 's website does not function properly and encourages customers to use XXXX however when you attempt to use XXXX, issues such as now occur. The customer service is very unprofessional and rude. When you ask to speak with a manager they place you hold for long durations or disconnect the converstaion. Carrington Mortgage needs to be investigated for fraud and damaging people credit for no reason to lock them in to the loan to prevent them from refinancing with someone else.