davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MI)

RE : XXXX XXXX XXXX XXXX Client XXXX XXXX AND XXXX XXXX My Buyer/Your Client was purchasing a Waterfront Condominium and choose to take out his Mortgage with Wells Fargo. I the RE Agent accepted the PRE APPROVAL and submitted all the necessary Purchase Agreement and Doc 's ( dated XX/XX/XXXX) to XXXX XXXX at Wells Fargo and spoke to him while doing so on the phone at length about their process about my Buyer and Seller ( In Florida ). The Buyer received a Letter onXX/XX/XXXX, that his condo was in a Special Flood Plain. I had a Seller that owes nothing on his Waterfront Condo and a Buyer that had a very substantial down payment. My Seller was buying a Cash Condo with his proceeds and had one to purchase immediately. XXXX assured me that they could close early if everything in place. So we immediately got the inspection which went perfect and Wells Fargo ordered the Appraisal and that was completedXX/XX/XXXX and it appraised a little above the value. We had a LOMA in the process which the Buyer submitted to Wells Fargo. It takes about 60 days to get the elevation cert back and there is no way of expediting, so then had an elevation done and flood insurance ready to be put in place. Now there are 17 Condos in this complex with 11 Units that had their certifications in place. ( My Seller paid Cash ). I have been on top of this file since day one. 

XX/XX/XXXX, Wells Fargo knew this was in a flood plain and clearly dropped the ball on this by NOT ADDRESSING THIS ISSUE AND THEIR REGULATIONS THEN!! Buyer - Had a Loma Application and Elevation with Flood Insurance in Place -STANDARD PROCEDURE. 

ONXX/XX/XXXX ( Friday ), Now Ending of our Contract between Buyers and Sellers we receive the SELLERS STATEMENTS to review to CLOSE. On Monday Afternoon I RECEIVE AND EMAIL that this Loan is NOT LENDABLE.. Totally Unacceptable!!! 

I spent the next many hours, days and weeks holding this together with Hostile Buyers and Sellers which affected 4 deal 's. Finally after going to another LENDER, they find me the Rule Stated BY FEMA that we can close with an individual Policy in which I forwarded to WELLS FARGO and having a Civil Engineer speak to your office it took 68 DAYS to Close this LOAN. 

IT COST EVERYONE ( Realtors, Buyer, and Seller ) so much money for WELLS FARGO LACK OF CONCERN and PROFESSIONALS. I am requesting that money is paid back to everyone involved, to help relieve the undue stress in which they have been subjected to. 

I do not feel that WELL FARGO by making excuses for their timeline should be allowed to just walkway. They NEED TO BE ACCOUNTABLE AS A LENDING INSTITUTION and have key people and procedures in place to close a LOAN they Clearly Accepted. I have pages of emails to prove their Unprofessional and Uncaring Employees along with my Client and Myself that did NOT received call backs and/or emails and always being told that they were in a meeting, to address our Extensive Frustrating Situation that they CREATED!!!!
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-08-28
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (AZ)

XX/XX/XXXX : I attained a line of credit loan through XXXX XXXX XXXX. The representative assured me that it was different from a payday loan. I asked specific questions regarding payments..ie " When will it be paid off by making the monthly payment '' I was told by XX/XX/XXXX. I asked about interest rates and was told they were not nearly as high, compared to payday loans. The gentleman was charismatic and lead me to believe the lie. I made 4 payments of around {$200.00} a month. In XXXX I looked at my account and noticed the balance was going up. I contacted XXXX XXXX XXXX and was informed of the 246 % interest rate. I was livid given the original conversation lead me to believe otherwise. I asked the representative to please listen to the recorded message in XX/XX/XXXX. Was told there was no need, since I signed the contract. I told them that they had received enough of my money and practiced predatory and illegal methods to attain the loan account and would not pay them anymore, until they would listen to the recorded phone conversation. They repeatedly attempted contact me and I refused to talk to them. 

Today XX/XX/XXXX : I received a phone call from National Credit Adjusters attempting to collect a debt from XXXX XXXX, I explained my history with them and told the representative that I will contact XXXX XXXX directly to get something resolved. 

I contacted XXXX XXXX and spoke with XXXX. I went through the entire story ( explained above ) and requested once again to listen to the conversation in XXXX Again, I was told that they would n't because they have a signed contract.
Consumer complaint received 2017-08-28
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. (NC)

Second request : I submitted a request for collection agency XXXX XXXX, who says the are collection on XXXX XXXX XXXX. I looked up XXXX XXXX XXXX it shows the location for XXXX XXXX. I contacted XXXX XXXX spoke to regular billing and Physician billing and they are not aware of this company. I asked the Physician billing to look for this amount for {$220.00}. The representative could n't locate it and again gave me collection agencies they used and said XXXX XXXX is not one. I am asking again this account be removed from all 3 credit bureaus. Also I signed a HIPPA and this account should have never been sent to collection, when I was never contacted about this account nor balance. This is hurting my credit score and I would like this removed.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report, and that you cease all collection activities related to these accounts.
Consumer complaint received 2017-08-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ardmore Finance Corporation (MO)

On XX/XX/XXXX I received a text message from my supervisor that someone from Ardmore Finance named XXXX contacted her and that I need to call them so that a sheriff wo n't serve me at work. The information should not have been said to my supervisor and on XX/XX/XXXX I verbally advised them to not contact my job and they had no right to release that information to my supervisor. On XX/XX/XXXX I received another call at work at XXXX after advising them to not contact my job and that I will contact them from my cell phone and was then hung up on.
Consumer complaint received 2017-08-28
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)

I did a dispute with XXXX and Equifax and the report came in that the debt of XXXX XXXX XXXX  was to be removed from my credit report due to incorrect reporting on my account information. As of yet the report for XXXX XXXX is still showing in my credit report.
Consumer complaint received 2017-08-28
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. (NY)

I did a dispute with Transunion and XXXX and the report came in that the debt of XXXX XXXX bank was to be removed from my credit report due to incorrect reporting on my account information. As of yet the report for XXXX XXXX is still showing in my credit report.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-06
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. (CA)

In XX/XX/XXXX XXXX XXXX XXXX reported that my account was late. In XXXX and XX/XX/XXXX, XXXX XXXX reported that my account was late. This is inaccurate information due to the fact that I was never late in making a payment. I have contacted both the credit bureaus as well as the creditors, but to no avail.This incorrect reporting is negatively affecting my credit. Please remove this.
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, Last Tuesday night ( XX/XX/XXXX) I was researching two credit cards I want to start using, the XXXX XXXX Visa Signature Card by Bank of America and the XXXX XXXX XXXX XXXX  by XXXX. I accidentally hit apply for the XXXX card when I meant to apply for the XXXX card. I tried to cancel it right away but did not see a link to cancel. I then applied for the XXXX  card hoping it would still go through as intended. 
When I got my rejection letter from Bank of America on Thursday ( XX/XX/XXXX ), I saw the first reason for the rejection was too many recent credit card applications. Right away I tried to fix the situation by calling Bank of America to explain what happened and ask them to reconsider my application for the XXXX XXXX Visa Signature Card, but I could not get through the phone tree to speak to a representative. After that, I called XXXX to explain the situation and cancel the XXXX XXXX XXXX XXXX and they took care of it right away. 
My issue is that I have not been able to get in touch with anyone from Bank of America to discuss resubmitting my application now that the XXXX XXXX XXXX XXXX has been cancelled.
Consumer complaint received 2018-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Admin Recovery, LLC (FL)

the collection agency is called ADMIN RECOVERY LLC, in New York. The man that works that doesnt give you his name, has called me several time and even family members of mine. Claiming I owe a debt of XXXX. After itold him he had the wrong person, the wrong number, i told the man i never had an account with that amount of money and much less an account with XXXX XXXX But he insisted in harassing my family and I, and now he sent me a letter to collect the debt, after i specifically told him he has the wrong person, so I sent his office a letter requesting for validation of this debt and requesting proof of documentation that proves that links me to this debt ( sent on XX/XX/2018 certified ) and the company has not responded as of yet. They have the wrong person and Im tired of the harassment.
Consumer complaint received 2017-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My husband and I have been customers of Bank of America for XXXX years. 

We have a checking account, ATM cards, XXXX credit cards, a business account and a brokerage account with them. 

My husband and I are law abiding citizens who have white collar jobs and work hard. 

We received a notice in the email from the Compliance department asking my husband to verify some information. He tried calling but hold times were always XXXX mins or above when he tried to call. 

He did the next best thing. He went into a Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and provided all the requested information and was assured that everything would be fixed. 

The next thing I see on XXXX was that my account was frozen. I go to the bank and they said that the compliance has all the information they need but they need to speak to my husband ( who was travelling for work XXXX to release the freeze. 

By XXXX the account was closed and a check shipped off to my address. I have several bounced check fees. To make matters worse, they sold off XXXX of shares in my brokerage account making me susceptible to a large amount of tax without my express approval. 


This is JUST UNFAIR. No one at Bank of America XXXX not the bank manager/compliance dept/service rep ) seem to have any power/concern to fix this issue. 

We need justice!!!! COrporations should NOT have the power to wreak havoc on people and should provide the right measures to collect information ( in this case non -critical ) My husband is a green card holder and I am a citizen. My husband works for a top XXXX accounting firm and his direct deposit has been coming to that account for XXXX years. 

They only needed the immigration status and work information and they did this to us. Worse, they acted like there was no one in the ecosystem who could help.
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My truck was totaled. My insurance carrier arranged that I receive a rental car. I went to the merchant XXXX XXXX XXXX and they required that I give them a credit card to reserve {$30.00} until the insurance company issues payment to them. My insurance company investigated my insurance claim total loss. My insurance carrier found out that the person that totaled my truck was uninsured. At this time, XXXX XXXX XXXX charged my credit car {$3300.00} without my knowledge.
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

In XX/XX/XXXX, I opened a XXXX Bank card. In XX/XX/XXXX I paid this card off and it was sent to collections anyway. XXXX XXXXResurgent bought the debt and has put negative information on my credit report. I have reached out to this company to prove the debt was paid ; however, they will not respond. They say the balance is {$2600.00} and opened in XX/XX/XXXX but I have proof I paid {$7900.00}.
Consumer complaint received 2024-10-15
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. (TX)

Recently i loocked at a copy of my credti report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that you will investigate these item for me to ensure accuracy. 
here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately deleted. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. These were both ignored this needs to be removed from my credit report!

These accounts are Repeatedly reporting charge-offs every month!

Every time the account updates my statute of limitations is extended ; every update makes the account look newer than it is. REAGING THE ACCOUNT IS ILLEGAL!

These accounts are not indicating when or if the account has been sold so that is a misrepresentation of the account status as well as not reflecting a XXXX XXXX balance after transferred, sold and paid. 

As well as once the charge-off goes past 180 days, the account is DONE!

You can not have on time payments! You can not add anything else to it. There should be nothing left on that account.

These accounts were charged off on the following date XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX 
Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of these accounts.
Consumer complaint received 2017-08-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (IL)

My account went overdrawn and I have never had a refund on this account before, I called tcf and asked for a credit of the nsf fees and was given two credits for {$15.00}. I feel tcf intentionally charges customer overdrafts and never wants to reverse any. I have called 4 times and just do n't have the time to continue to call. I just got back to work from being off medical and do n't intend to overdraft again
Consumer complaint received 2017-08-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (PA)

contacted on XXXX XXXX by phone as to a debt owed, So I asked them for written notification now XXXX XXXX2017 nver received what I asked for original signed aggreement and the balance from XXXX to present. So they are in violation of the Fair Debt Act.
Consumer complaint received 2018-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (WI)

I made a deposit into a US Bank branch in XXXX, WI for a rental agreement regarding and apt in XXXX my. We are out XXXX! When we arrived at the rental home we quickly learned it was a scam. I called USBank fraud department and they said they could not flag the Account or do anything because I was not on the account. I have filed a police report and so far have heard nothing from the police or USBank. Meanwhile I was homeless and no one is looking into this account. Someone had to open it. Cant it be researched? Is it flagged? Are more people being scammed? I have copies of the rental agreement and deposit,
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.