davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


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 2023-07-11
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. (SC)

I am a natural person, and living human being, and I have rights under 15 USC 1681 Transunion is govern by 15 USC 1681. And they have violated my rights numerous times. And I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and did not give Transunion my written permission to furnish any of the accounts below and Transunion should NOT be reporting my transactions or experiences with any of the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or US Department of Education. 

Violation # 1 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Violation # 2 15 U.S. Code 1681b - Permissible purposes of consumer reports ( cosign ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Violation # 3 15 U.S. Code 1681 - Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have attached affidavit which stands as truth
Consumer complaint received 2016-09-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (AL)

wells fargo allowed my at that time wife to obtain a credit card in my name with a credit limit of {$6000.00} and account ended up with a balance of {$8800.00}. this has had a bad effect on my credit for 10 years helped cause me to lose the ability to change mortgage companies, get refinance and continued to raise my mortgage payment knowing I was stuck in that position with their company.
Consumer complaint received 2016-03-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY (NV)

have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.
Consumer complaint received 2016-10-04
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

ON XXXX/XXXX/XXXX I PUT IN {$5000.00} TO XXXX XXXX BANK OF XXXX XXXX. IT WAS A CD WITH 9.5 % INTEREST PER YEAR. IT WAS CHECKED FOR AUTOMATIC RENEW ON THE MATURITY DATES. CERTIFICATE NUMBER XXXX. HOWEVER, XXXX BANK WAS ACQUIRED BY WELLS FARGO BANK ON XXXX/XXXX/XXXX. I ASKED WELLS FARGO BANK ABOUT MY CD ACCOUNT AND THEY CLAIM THEY HAVE NO RECORD OF MY ACCOUNT. WELLS FARGO BANK TOLD ME TO CONTACT COLORADO.GOVXXXX THEY SAID THEY DID NOT HAVE MY MONEY BUT FOR ME CONTACT FDIC THEY TOLD ME THAT WELLS FARGO IS NOT HAPPY TO SEARCH OLDER STORAGE. I WAS MY THOUGHT THAT MY {$5000.00} CD WAS MAKING A LOT OF MONEY DURING THESE YEARS. BUT I GOT NOTHING BUT A RUN AROUND FROM WELLS FARGO BANK. I NEED YOUR HELP TO GET MY MONEY.
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (OH)

My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, OH XXXX. Phone # XXXX XXXX XXXX. I have account with PNC Bank. Last three month, I am getting charge for {$3.00} each month for " check images in statement fee ''. This service I never authorized or signed up for. They signed me up without my consent. Now I have been calling them each month to take this service off and give me the credit, but they refuse to do that. This is a bad business practice. Please help me resolve this issue. 
Sincerely XXXX XXXX
Consumer complaint received 2016-08-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

Recently, PNC bank overdrafted my account on a transaction that was {$12.00} over what I had in my account. I specifically set up an alert so I could get to my bank in time to deposit money in the account ; but did not receive the alert until XXXX the next morning ; by which time, they had already charged me a {$36.00} overdraft fee. They said that I should open a savings account with them to have overdraft protection. I explained that I choose to have a savings account at a credit union, which gives me a higher interest rate. How about they change their policies and decline the transactions ( including electronic payments as well as recurring payments ) that would cause me to overdraft? 

I 've had this issue with PNC before, and think how they treat their customers is outrageous. This is the last time I 'll ever be paying them an overdraft fee. Instead, I will open a bank account somewhere else to give my hard earned money too. This is the last time PNC gets it. They consistently XXXX me off with their undermining tactics to steal money from their clients. Why should I stay with a bank that will do so?
Consumer complaint received 2017-04-06
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (GA)

This company is reaging on old debt and making false and illegal statements on my credit report. 

1. Inserted false age as last day of usage on credit report 2. Reporting late payments on current credit report for an account last used any activity in XXXX 3. Has reported late payments for entire year of XXXX on an account that last payment was in XXXX 4. Reported false payments made on account 5. This company never provided legal proof off usage off the account for the the years of XXXX or XXXX ( but is reporting usage ) 6. They state that they will report until XXXX XXXX, and account was due to stop reporting XXXX XXXX 7. Reporting this false info on XXXX accounts ( original Leander and buyer )
Consumer complaint received 2015-12-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

To whom it may concern, I am writing in regards to my mortgage loan being transferred to Seterus and was given less than 2 weeks noticed and now Seterus says they can not inform me of any information regarding my account. I received a letter from XXXX on XXXX XXXX telling me that my loan will be serviced by Seterus on XXXX XXXX. Today is XXXX XXXX and I called Seterus and was told that they could n't give me any information regarding my loan. They said that they have over a XXXX clients and that they were still working on my loan. When I attempted to ask a question, the representative said " not to speak over him and to let him talk. '' At that point, I asked to speak to a manager. When I asked to speak to a manager, I was told that the wait would be extensive. So, I asked " what is an extensive wait time. '' The representative said it would be 10 to 15 minutes, so I told the representative that I would wait. The representatives put me on hold and came back on the phone and said, the manager will not be able to give me any information about my loan so I do n't need to wait because I just have to wait for my welcome packed in the mail. Now these are my questions, how come the Seterus could n't give me any information about my account when I was told by XXXX that all my questions or concerns would be answered by Seterus since my loan was transferred over. How come the Rep was so rude and could n't get me a manager on the phone and tell me anything about my account, how much I owed, when was my next payment. This sounds very fishy and I do n't want my loan account with Seterus. 
The reason why this is important is because I am in the midst of selling my apt and have a potential selling date by XXXX XXXX and have an additional fee that I owe for the sell of the apt that will be paid at the time of the closing and I do n't want to see surprising fees from Seterus. I need to know what my payments are now so that there are no surprises at the time of the closing. As a consumer, if my loan is transferred to Seterus, Seterus should have all the information ready for me when I called and not give me the run around and then say a manager is not available and that they can not access my loan information. Right now this is frustrating as I need this information. What are my rights as a consumer in regards to getting this information without having to wait for a welcome packets from Seterus. My other question is, " why is did XXXX Bank transfer my loan to a new company and I have no say about the transfer. Why did XXXX Bank wait less than 2 weeks to inform me about this transfer. '' My account number with Seterus is XXXX and their phone number is XXXX. My loan number with XXXX Bank was XXXX.
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXXXXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$5200.00}
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America is continuing to harass me with phone calls for a credit card that actually has a negative credit balance on the card ( i.e., two payments were credited to the card, one made some time ago and another recently, so now effectively Bank of America owes me money ). On XXXX XXXX, 2015 at XXXX EST a representative of Bank of America called from XXXX, identified herself as " XXXX '' and wanted to discuss a recent complaint that I filed with the CFPB. I said " Fine ''. She then said that she wanted to record the conversation and I agreed, but when I stated to her that I would also like to record the conversation she declined. So apparently what 's good for Bank of America is n't good for their customers.
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (FL)

Borrower has made multiple requests for pay-off over a period of years. Pay-off requests were ignored or delayed for years ; when pay-off information was provided by the Bank 's XXXX Attorney the amount was off by approximately {$30000.00} and included improper fees. Bank 's Attorney only provided a pay-off that was good for 2 weeks. Requests for documentation to support Escrow/impound overdraft fees by the PNC remain unanswered. Requested copy of Appraisal completed XXXX/XXXX/14, PNC agreed to provide, however as of this date they have not provided. PNC constantly requests the same information from the borrower, everything requested for modification provided. PNC Representative stipulated in mediation everything provided, however 2 months after the mediation notice received that modification denied because all documentation not provided.
Consumer complaint received 2023-07-05
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. (NV)

a while back my house was broken into and they stole my personal belongings from my house such as id social security card, drivers license, birth certificate. since then I have been seeing numerous things come up on my credit report and I have not been the one opening the accounts. I have reported to the credit bureaus but small actions have been taking, i just found out about the cfpb.
Consumer complaint received 2016-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX of 2016 both my XXXX and Bank of America checking accounts was charged for by the XXXX XXXX XXXX XXXX Office for a legal judgement that I owed. Since XXXX accounts were debited at the same time I was overcharged for the debt. I called the XXXX XXXX XXXX Office to complain that more money was taken than what was owed. The XXXX Office told me that they had to wait for XXXX checks to be mailed to the XXXX XXXX Office and then I would be issued a refund for the over-payment. When I called to check on the status the XXXX Office informed me that Bank of America had not sent in the check they collected. I when I spoke to Bank of America they claimed the check had been sent in XXXX so I called the XXXX Office again and they told me that Bank of America only has 15 days by law to send in the check to their office and they had still not received it. I have called Bank of America several times since XXXX and each time I call I 'm told that they will cancel the check and reissue another check but it will take three months. However each time I have called no action has been taken and the representatives argues with me and gives me the sames scripted response that the XXXX Office needs to take action. The XXXX Office has been very clear about the laws and what Bank of America is supposed to do. Furthermore Bank of America is actually the company that the judgement was for so obvious that are fully aware that the judgement has been overpaid. Bank of America owes me {$1400.00} which they have kept in limbo since XXXX and we are now headed into XXXX. Please have Bank of America release my money or I will have to file a lawsuit.
Consumer complaint received 2017-03-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

There have been many issues with this 3rd party ; but the below is just for the new/continuing issues : 1. ECSI has another billing discrepancy : ECSI tried to charge me {$10.00} for a " letter ''. This " letter '' was most likely an account payment history ( an audit ) that I requested ECSI-Heartland provide, because ECSI messed up my repayment plan of my private, zero APR student, loan once ECSI took over receivables last year from the previous and defunct company. The mess-up is changing my APR from 0.00 % to 5.00 % and changing the billing period from quarterly to monthly. 
In rectifying the problem, it took a significant amount of my time and hassle to get both ECSI and XXXX University to see and admit the mistakes made and change the billing back to 0 % apr and quarterly billing. I had one more unresolved issue with ECSI ; that they explain or prove that my principal amount was not also messed-up and error free. I requested ECSI to conduct an audit on the account. All representatives told me I could do it myself. I continued to push and finally another rep said he could provide an account payment history. I told him that this would suffice as there 's nothing else they offer todo in wake of all their other previous errors on the account. 
Now today, when I called asking why my paper statement shows a balance of {$150.00} due BUT my online statement shows {$160.00}, the rep told me its because XXXX University can assess charges to the account for incidentals in accordance to the promissory note. ( Never mind that I do not have this promissory note and ESCI also does not have a facsimile. XXXX University also indicated, when I asked months ago over the phone, that they will not provide the promissory note. And moreover, XXXX, the head of student finance, will not return my phone calls or emails. ) Back to ECSI, after the rep refunded me the charge as " a one time curtesy '' I instructed her that I did not ask XXXX University to provide this " letter '' and that I also have no contract or any other agreements with ECSI ; so ECSI can not charge me except according to the promissory note. 
2. ECSI is still showing an incorrect mailing address. I did receive notice of a bill to my current home address of XXXX, XXXX TX XXXX. But ECSI 's online portal shows XXXX XXXX NY XXXX. I have n't been at this address in at least a year. but ECSI still has it and despite all of the back and forth with them last summer. 
3. ECSI 's online portal is terrible : I believe their XXXX app and database are a security vulnerability too from the numerous times one must login for unknown reasons ( not a time out issue ).
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (DE)

I had gone into bankruptcy XX/XX/XXXX. At the time XXXX XXXX was my provider. When my bankruptcy was up XX/XX/XXXX/XX/XX/XXXX, I never heard anything from XXXX XXXX. Finally, XX/XX/XXXX ( or so ) I was starting to receive e-mails about my student loans, requesting me to respond if I wanted them to go into forebearance. I never received any information that Navient was my provider, so I deleted the e-mails. When I did finally respond to the e-mails, they explained they could n't discuss it through e-mail. So, I called, and when I called, I inquired about the teacher forgiveness program. They asked me why I had n't been paying and I explained I had n't been receiving anything. They asked me if I wanted to put my loan into forebearance and I explained yes, because I was n't aware money was due. They said they 'd send me information about the teacher forgiveness and took my address down. After about XXXX weeks of not hearing or receiving anything, I contacted them again. They took my address again and said they 'd mail me. This time, about a week or two later I received the application for teacher forgiveness, which I filled out and sent to my district office to complete ( human resources ). They explained that it was mailed out XX/XX/XXXX. At about this time, I also started to receive e-mails again asking if I wanted a forebearnce on my loan. I went and paid XXXX months that they said I owed for, about {$100.00}. They inquired about why I was late and I explained it was because I had n't received anything. The confirmed my address, and despite having received the forgiveness application, they had deleted the new address from the system and so they updated it again. To date, I still have n't received a bill or anything from them in the mail, nor have I received infrmation about if my teacher forgiveness was approved/denied, or whatever ... ... .I 'm rather irritated as I am trying to fix my credit and I 'm hearing nothing from a company that I have given my new information to multiple times now. I 'm trying to make matters right, to fix my credit, but their shanagins seem to be holding me back from succeeding in getting rid of my bad credit history.
Consumer complaint received 2015-04-24
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (TX)

The card promised the benefit listed below but after payment of my annual fee I received notice this benefit was ending as of XXXX XXXX, 2015. I called for reimbursement of my {$60.00} annual fee and was told that was not possible. I paid my fee but US bank did not honor their part of the agreement. 

2.Bonus Award Night : When you redeem XXXX for Award Nights of XXXX or more consecutive nights at the same participating XXXX XXXX hotel property, you will receive the last of the Award Nights of that stay free without deduction of any XXXX from your Club XXXX account ( " Bonus Award Night '' ). Your Account must be open and reservation must be in the XXXX XXXX member 's name and use the member number associated with your Account to be eligible for the Bonus Award Night. The Bonus Award Night offer is available only on advance reservations for Award Nights paid in full with XXXX XXXX and is not valid with standard paid reservations or XXXX redemption reservations. Only XXXX Bonus Award Night will be available for a stay of XXXX or more consecutive nights at the same hotel ( early checkout with XXXX night stay not eligible ), regardless of the total length of stay, the total number of reservations or the number of check-in/check-outs, is subject to availability and all other terms and conditions and cancellation policies regarding Award Nights apply. Does not apply to additional reservations booked as contiguous stays at the same hotel. Only XXXX room per reservation, per hotel for an Award Stay will be eligible to receive the Bonus Award Night offer. Your Account must be open at the time of redemption to qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). Maximum XXXX ( XXXX ) Bonus Award Nights per calendar year per member with an open Account ( " Annual Maximum '' ). If a reservation with a Bonus Award Night is subject to a cancellation penalty, the Bonus Award Night from that reservation will count against the Annual Maximum. A Bonus Award Night has no XXXX or cash value and cancellations involving a Bonus Award Night will not result in the credit of any additional XXXX in your XXXX account