davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/XXXX re : Wells Fargo Merchant Busn CHECKING I believe I have been a victim of a predatory practice by Wells Fargo Bank. My branch is in XXXX XXXX, NJ. I had 6 accts with this bank. I am focusing on a business account with linked checking and savings accounts. When I opened this account, I was told the checking account required a minimum balance of {$1500.00} to avoid monthly charges. After 3 months I complained that I had received {$14.00} per month bank charges for 2 months [ XX/XX/XXXX and XX/XX/XXXX ] and was given the explanation that my account actually required a {$7500.00} minimum balance. The 2 months of charges were reversed with an agreement to change the account to one requiring a {$500.00} minimum balance. <P/>However, despite reversing the two $ XXXX/month bank charges on XX/XX/XXXX, the bank deducted an additional $ XXXX/month bank charge only 8 days later. The bank continued deducting $ XXXX/month bank  charge for the 6 additional months, for total of 7 months charges of {$98.00} - which have not been reversed. When I called my bank officer, I was told I had to come into the bank to make the change to the one requiring a {$500.00} minimum balance something I had assumed had already been done by telephone. <P/>With this explanation, I did come into the bank and was told the Wells Fargo computer program would only allow 3 of the 7 months ' charges reversed. [ Limiting the bank charge reversal to 3 months is entirely arbitrary by Wells Fargo. ] Furthermore, I have not had even the promised 3 of 7 months ' charges reversed. I have closed 2 other linked accounts and expect to close all of my accounts with this bank. <P/>I am taking my branch manager at her word. She assures me that her bank officer did tell me that I had to come in to the bank to change the account to one requiring a {$500.00} minimum balance. although I do not recall the information that I was to come into the bank to make the change - which she said I was initially given this instruction in XX/XX/XXXX. I view both the branch manager and the bank officer as sincere although I do not recall this instruction in XX/XX/XXXX. <P/>However, my complaint is with Wells Fargos corporate culture. My branch manager explained that the banks program does not allow her go back to refund the 7 months charges of {$98.00}. Although I take her at her word, I find this unacceptable. Surely, Wells Fargo would be able to go back several months if a customer owed the bank money. So why does Wells Fargos program deny the customer an analogous cure. I am, therefore, filing a complaint with the Consumer Financial Protection Bureau about Wells Fargos predatory practice not a complaint about my local branch but a complaint with the Wells Fargo corporation
Consumer complaint received 2017-07-13
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: Experian Information Solutions Inc. (GA)

I submitted a dispute to have XXXX XXXX XXXX to remove late remarks on my credit file through Experian and Experian took longer than 30 days to reply. By law, your company has to remove any late remarks after the time has expired. Your company has four days to update my XXXX XXXX XXXX Auto Loan as paid as agreed and to remove late payment remarks. If not, legal actions will be taken against  your company for violating my rights.
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lamont, Hanley & Associates, Inc. (FL)

Last year I had my daughter removed from my insurance and for most insurance still withdraw money for renewal from account for both cars and people. They stated they could not refund my bank.. caused me overdraft really bad. Cause they kept hitting the account. I called several times sent document everything.they then continued to change my policy and charging more and hitting my checking account. Was never given back my money.. I cancelled in XXXX XXXX,2017 they still keep charging me & sending me to collections. I keep calling and faxing documents & they keep sending new policy. Now collectors are calling screaming at me.. they now have my insurance collection with security
Consumer complaint received 2017-07-13
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 received a credit alert from XXXX that i had a credit alert. when i checked my alert my credit score had dropped aprox 100 points and my XXXX credit card was listed as closed by account creditor and was listed under negative accounts. On XX/XX/XXXX my score was XXXX and today it dropped to XXXX. This is what was taken from my alert page : The following changes were reported for your XXXX/XXXX account : Balance Amount Changed from {$550.00} to {$570.00} Comments on your account changed from Charge, Amount in H/C column is credit limit to Account closed by credit grantor, Charge, Amount in H/C column is credit limit, Closed I just spoke with the bank and I have an available credit on the card and this card is not closed. My other issue with how they reported my XXXX XXXX card was reported to negative account when it was closed by me. not the grantor.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

There are XXXX collection accounts on my credit report that I have disputed several times through the credit bureaus, directly with the collection agency and through the Better Business Bureau. Each time it comes back verified but they have failed to provide proper documentation that supports their claim. They are in violation of the Fair Credit Reporting Act by reporting inaccurate information and in violation of the Fair Debt Collection Practices Act by not validating the debt. <P/>The accounts are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX, TRANSUNION LLC, XXXX CREDIT BUREAUS are reporting information regarding bankruptcies that they say that the bankruptcy courts reported to them. I have information from bankruptcy court that states '' bankruptcy court does not report to credit bureaus ". I have asked by certified mail, fax, online and verbally to bureau to remove inaccurate information. To no avail, they have not removed bankruptcy.
Consumer complaint received 2017-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in regards to the computer glitch that was Transunion problem and not mine and caused my inquiries to be deleted. When I reviewed my credit again, I noticed that Transunion added the inquiries back onto my report without giving me the legally required notice 5 days prior to them re-adding the inquiries. I contacted Transunion in good faith asking them to delete the inquiries that, they illegally re-added and they told me I would have to reach out to the different companies who pulled my credit and dispute directly with them. These inquires add hardship and my rights have been violated by Transunion. <P/>Transunion also has my name misspelled and have been asked several times to remove the misspelled names and wrong addresses.
Consumer complaint received 2017-04-15
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I tried to close my IRA Account with Union Bank because I am unhappy with their service. 
I want to transfer the funds to XXXX XXXX XXXX. XXXX XXXX XXXX call Union Bank and was told they need to send a request letter to their IRA Dept and the process would take 28 days, so I went back to Union Bank and requested the funds in the form of a cashiers check. They refused to close my account & give me the funds. They said XXXX XXXX XXXX would have to send a request to their IRA Dept. I asked how long that would take and I was told " a couple of days '' by XXXX XXXX. I went home and called the IRA Dept of Union Bank and they told me it would take 3 to 5 business days after they receive the request letter from XXXX These XXXX banks are only XXXX blocks apart. I feel like I am just getting the run around and I am getting tired of it. Right now I am calling Union IRA Dept every day to see if they received XXXX 's request letter. If they do n't want to transfer the funds they could just keep saying they did n't get the letter. I am an XXXX year old widow and I think they are stalling to get back at me for closing my other accounts at Union after I told them I was unhappy with their service.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a victim of identity theft and I have XXXX fraudulent collection accounts that is on my trans union credit report. I filed a police report and submitted to the company as I was told to do once I found out about these accounts. I was told once they received the police report that the accounts would be deleted off of my credit report. I sent in my police report and then I called to check to see of they got it, now the supervisor is telling me the only thing they can do is redispute the account. The company are not sending documentation that these accounts are mine, they are only verifying through an electronic data which has my information. NO signed contract no agreement that these accounts are mine not anything. They are not holding up their end of the agreement and I am being accused of something I did not do.
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit report Act. The list of accounts below has violated my federal privacy and confidentiality under 15 USC1681 This accounts are under 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 15 U.S.C . 1681 section 602a States I have the right to privacy 15 U.S.C. 1681 section 604a section 2 - It also states a consumer reporting can not furnish a account with out my written instructions 15 U.S.U. 1681c. ( a ) ( 5 ) section States no consumer reporting agency may make a consumer report containing any of the following items of information.Any other adverse items of information, other than records of conviction of a crime. Which antedates the report by more than 7 years 15 U.S.C 1681-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer report Agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2017-04-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Fidelity National Information Services, Inc. (FNIS) (ID)

I have asked this company many times to update and correct my info and the banks that they have listed correct their wording on the listing they have on this company. I have never done anything wrong to make them list the wrongful items. But this company isnt doing the corrective matters. They are just making it harder for my life.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Payoff process — 
Company: TD BANK US HOLDING COMPANY (HI)

My target credit Redcard was a few days past due so they turned it into their collection agency which is only open during certain hours and days. I live in Hawaii and I called at XXXX on XX/XX/XXXX. after being on hold for a while with Target customer service I finally got through to an agent because using the automated pay system was n't working after I tried three different times. I finally got a hold of a customer service agent and they told me I had to speak to a different department in collections. I was placed on hold and waited for another five minutes with hold music but no one came to the phone. Then I was disconnected. I called back again and waited again another XXXX minutes to speak to a customer service agent and I explained what happened. they said that the collections department had closed at XXXX Central time and they will not be open tomorrow because it 's a holiday - XXXX. I asked for a supevisor thinking that they could access my account but no change in attitude. She ( manager ) said they would be open again on Saturday and that I would have to call back during business hours on Saturday. I told them that I was ready to make the payment and could they please accept my over the phone payment or online payment and they said no because my account information was no accessible. I could not find anywhere in the Target Card Agreement where I was restricted on paying off a late invoice to Target unless through collections. I had been traveling in XXXX and overlooked that months payment so I usually have a good credit history. I felt this was unfair treatment for a consumer to deny receipt of payment! Consumers ought to have the right to pay online or by phone to pay their credit cards, especially if they are behind and do n't want to accrue additional fees or interest. Please address consumers rights on this matter so this does n't happen to others in a similar situation. 

Thank You
Consumer complaint received 2017-04-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payments on the dates below : 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-04-12
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Statebridge Company (NJ)

We paid off loan # XXXX with Statebridge Company, LLC in XX/XX/2015. I have still not received notice that it has been paid off. I have called them numerous times in the past and left messages regarding this issue and have not received any phone calls back. At the time of our payoff, Statebridge had messed up the amount owed so badly that I filed a complaint against them. After paying off the loan, I had spoken with a representative regarding this issue and they told me we still owed {$5000.00}. After clarifying that issue, which was very time consuming and involved getting our new lender, The XXXX, involved we received notification from XXXX XXXX of Statebridge that we did not owe anything and the loan had been paid in full. We were informed that we would be receiving notification in the near future. I have never received any notice that this loan had been paid and am concerned about when we try to sell the properties in the future that are on this commercial loan. As mentioned earlier, I have contacted them several times since XX/XX/2015 and my requests go unanswered. I am aware of numerous other complaints against this company and am quite surprised that they are still in business. The loan was in the name of my business XXXX XXXX, XXXX.
Consumer complaint received 2017-04-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MINNESOTA LIFE INSURANCE CO., THE (KY)

I am working with XXXX and I have four creditors calling as much as 15 times a day all hours, nights and weekends. Personal Finance XXXX KY., XXXX, XXXX KY, XXXX, XXXX, XXXX, and XXXX Bank. I also work in collections and with all the calls and the hour before XXXX and until after XXXX and on Sundays. They leave messages, and still call back more than what the FDCPA guidelines allow. Please help
Consumer complaint received 2017-04-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: EAST WEST BANK (CA)

I bank with Eastwest bank in XXXX XXXX area. They hold my payroll check for two business day and everytime I explained to them it is my payroll check ( computer generated with paystub ) Eastwest bank ( serving majority of XXXX customers ) Eastwest bank still hold for two business day, treating me as new immigrants. 
Many times my checking account was insufficient fund for less than {$15.00} dollars, they inform me the situation by phone. The second I learn the news, I rush to the bank in less than 30 minutes and make a deposit in order for me to avoid a bounced check. But Eastwest bank still charge me {$30.00} for it. It have happened so many times.I do n't understand why Eastwest bank inform me and charge me $ XXXXdollars, every time I take one hour off my work with no pay to rush to Eastwest bank to make {$20.00} deposit and be charged for {$30.00} dollars. I prefer they charge me {$30.00} and do n't inform me my fund is insufficient.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (GA)

I have several inquiries on my report from XXXX & XXXX that was not authorized. I have called the credit bureaus and was told to call the companies that pulled my credit. I just recently called XXXX and they can not find any record of reapplying for credit with them, but it is showing in my report at least 4 times. So after speaking with XXXX I called the credit bureaus back and they still would not remove any inquries. I need some help with this because I am being pulled into XXXX directions but not getting anywhere. Thanks so kindly for your consideration and your help!!
Consumer complaint received 2017-04-13
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (MN)

I have had a 10+ year realationship with WELLS FARGO. I also in the past have taken out Unsecured Personal Loans and had no issue with approval. Actually, the last time I applied I was approved in under 20 minutes. 

This time however, I put my roommate on the loan who has bad credit. I was told that the leading applicant who makes the most money ( me ) would be the primary on the loan and that there should be no problem in applying. 

They declined my loan because my co applicant has bad credit. HOWEVER, I was told that he should not have an effect on this loan other than being able to build credit by being a co applicant. 

My issue is this- How the XXXX can I apply for a loan and no one calls me to follow up and tell me WHY I got declined. Provide me with NO NUMBER to call in and find out more information. No link to see reasons of a decline. Nothing but a pointless hit on my credit and my co applicants, who clearly has bad credit so why not hurt it more by applying. 

Wells Fargo is nothing but a bunch of rich XXXX who give XXXX wages to their emplyoees and rip people off. How is a RELATIONSHIP lender not going to loan me money at the MINIMUM amount when I have over 9k+ in savings and a credit score over XXXX. 

They need to be fined for more than chump change. They need to change their processes. If you really are the CFPB DO something rather than give a tiny fine and then take the money to your own pockets. 


Feel free to look up my loan Unsecured : XXXX - 36 MONTHS 8.747 % - {$95.00} a month XXXX XXXX one of the managers of lending needs to be fired.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion customer service would not help taking care of the negative inquiries reporting to my credit report. 
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 2017-04-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

I had a debt with XXXX that is showing on my credit report. I had to contact midland funding LLC to settle this debt. I have been paying on this debt since XX/XX/XXXX at XXXX a week. They now will not talk to me or return my calls in regards to this debt. I am trying to clean up my credit report and need this debt resolved.
Consumer complaint received 2022-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc. (CA)

Account # XXXX When I was buying the vehicle I was not informed about the heavy daily finance charge. it was hidden in between their long XXXX page contract during the loan disclosure. 

It's been approximately 3 years and this has put me in deep debt since Covid. 

My monthly payments are {$300.00} and {$85.00} of it are allocated to daily finance fees. This only leaves me with a principle of {$200.00} going towards my loan monthly. Please note, I have paid the full due amount every month on time. 

This is predatory and has put me in debt and hardship, especially after Covid. I didn't know I was getting taken advantage of with my car payments until I spoke to a XXXX. In addition to this, the APR ( 9.45 % ) was unfair for someone with a XXXX XXXX XXXX and who never made a late car payment.
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (GA)

There was an account from XXXX on my credit report dated XX/XX/2021. The original collector was XXXX XXXX and there is an amount for {$8900.00}. I did not open this account and I do not owe {$8900.00}. There is also another collector by name of XXXX, and they are XXXX XXXX, I have reached out to them and they stated someone opened 3 accounts in my name at this bank. They told me they would open fraud investigation and have it removed but it is still on my report. I am looking to have these 2 issues removed from all credit bureaus.