davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (SC)

I THINK YOUR BANK HERE IS DOING SOME FRADULENT TRANSACTIONS WITH MY ACCOUNT, FOR THE LAST TWO MONTH I HAVE HAD ALL OF MY XXXX SOCIALSECURITY CHECK TAKEN TO THE LAST PENNY.IM A WIDOW AND IM XXXX WITH XXXX, .THEY ARE LETTING XXXX RUN MY ACCOUNT SEVERAL TIME IN EACH MONTH SO THAT THEY WILL GET THE FEE PLUS XXXX WILL GET THEIR PYMT.IT ONLY ONCE A MONTH I PAY THEM AND I DIDNT AGREE FOR THEM TO TAKE IT OUT OF MY BANK ACCOUNT EACH MONTH.NOW THIS WILL BE 2 MONTH I HAVE HAD TO GO WITHOUT MEDICATION OR FOOD OR BILLS PAID.THEY ARE RIPPING PEOPLES OFF HERE THROUGH YOUR BANK AND IM NOT THE FIRST ONE .IM HAVING AN ATTRONEY SUE.I WANT MY ACCOUNT CLOSE WITH WELLS FARGO AND THEY SEEMS TO DONT WANT TO LET ME CLOSE OUT MY ACCOUNT.I HAVE OPEN AN ACCOUNT WITH ANOTHER BANK AND HAD IT CHANGE BY THE XXXX PEOPLES AND IT WERE NOT CHANGE THROUGH WELLS FARGO.THE GOVERMENT IS IN THIS WITH ME SO ARE FOLLOWERS OF THE SAME THINGS HAPPEN TO THEM.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (TX)

XXXX  XXXX XXXX Account # XXXX this account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed
Consumer complaint received 2016-06-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I bought a XXXX XXXX from a business in XXXX XXXX CA XXXX XX/XX/2016. Part of the purchase I paid with my VISA & the remainder {$1600.00} I used the store 's promo offer of 6 months same as cash - no interest. I only financed {$1600.00}. This financing is through Wells Fargo Home Furnishing - my statements say ( XXXX ). Someone in this string of financing has been allowed to ADD money to my account when I only filed documentation to finance {$1600.00}. At this point - I feel Wells Fargo should NEVER have allowed the business access to my account to make such an entry or maybe Wells Fargo made the addition - that is unclear. & if Wells Fargo DID allow access, they only have paperwork supporting my {$1600.00} financing purchase. Today my bill states I owe {$2000.00} & I have paid {$40.00} each month times 3 months or {$120.00} towards my {$1600.00} bill, making my total due = {$1400.00}. I have talked to both the business ( the business has lost my paperwork - seriously - lost it - XXXX XXXX ) & Wells Fargo ( XXXX different agents XXXX & XXXX on XX/XX/2016 ) -- my consumer recourse is to submit a dispute which could take up to 90 days to resolve. Really? How is any business allowed to debit me in anyway without the proper paperwork? Wells Fargo is my target of this complaint. In 90 days my whole financing agreement will be over. The fact is, there should not be an " open-ended '' account by any organization allowing for money to be debited in a consumer 's name. Period.
Consumer complaint received 2016-11-01
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NE)

My wife transferred funds using the Wells Fargo website to move the money from another bank in to our wells fargo checking account to cover bills that automatically withdraw. The wells fargo website said she was doing a same day transfer. That was the XX/XX/XXXX but the money did n't show up until the XX/XX/XXXX, and we got charged {$70.00} in late fees for the XXXX bills that withdrew, XXXX on the XX/XX/XXXX and the other on the XX/XX/XXXX. We were charged a {$35.00} late fee for each charge, including the one that withdrew the same day as the deposit, but was still considered as us having insufficient funds. I went in to a branch to talk with a banker and he flat said he could n't do anything about the fees because he showed the money was n't deposited until the XXXX. I told him I had the confirmation number that their website gave me and he still refused to do anything. I called in to the customer service phone number and was told that it was the other banks fault and i should talk to them. I confirmed with my wife that the transfer was initiated with wells fargo and called customer service back. I was told that the person on the phone could see the transfer being placed into the account on the XX/XX/XXXX, but had no way of knowing when that transfer was initiated. She told me she was transferring me and disconnected the call. I called back a third time and finally spoke with someone who was willing and able to help me. She was able to see that I initiated the transfer on the XX/XX/XXXX, that it was supposed to be a same day transfer, and that it was not deposited until the XX/XX/XXXX. After a brief check she told me there was a known technical issue with online transfers that was not fixed until the XX/XX/XXXX, which resulted in the delay. Assuming that she was being truthful, Wells Fargo knew about a technical glitch that was causing delays in deposits that had the potential to cause late fees that would cost customers {$35.00} each. Not only did they not notify customers that were or might have been affected, they did n't even tell their internal staff. So when I tried to get some relief from the late fees that should n't have been charged in the first place, their own employees did n't even know how to help me and thus refused. Those late fees, of course, are profit for wells fargo. So they have a financial interest in people not knowing that the late fees were in fact the fault of the bank. They did nothing to correct the issue and attempted to hide it from customers. I have spent XXXX hours today trying to resolve something that should have taken XXXX XXXX minute phone call. All so wells fargo can keep as much of the illegitimate late fees as they can.
Consumer complaint received 2016-12-08
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Recent flood insurance claim check was written to the mortgage company and me. it 's now in a secured escrow account and they wo n't release funds to start the repairs to my home. I 'm doing the work myself so they stated that I would have to purchase the materials first then they will reimburse me. So I have to come out of pocket first. They have also taken it upon themselves to make checks payable to the companies that we have submitted estimates for. I try to explain to the Insurance Claim Specialist that the quote was an estimate which can change based on how much material we will need she stated ; we would have to submit yet again another invoice. I tried to explain that this is holding up the building of the home to make it what is was prior to the flooding. She then expressed that 's it 's a process. I then asked for the written notice of this process she then expressed that its and internal memo and she can not share. She then said that I will be reimbursed by Tuesday for the materials that I have purchased so far and I have nothing yet. How is it that a bank can take it upon themselves that make checks payable to outside sources without my permission? 2 months post Hurricane XXXX and NFCU is no help.
Consumer complaint received 2016-08-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (DC)

My ATM card was lost or stolen. As a result of that, someone was able to deposit a number of fraudulent checks to the account bearing the name of XXXX with a claim number, my name, old address ( I no longer live at that address ) and a amount ranging from {$300.00} to approximately {$400.00}. There are a lot of them all done on XXXX XXXX. Then money was withdrawn the following day which resulted in an overdraft of {$6000.00}. The {$25.00} I had opened the savings account with was gone as well. The name of the bank is Santander Bank. I called them when I logged into my account yesterday to check my balance and got the shock of my life. I immediately called them after checking for my debit card because the checks were deposited via ATM. They told me my account had been compromised and they had put a block on the card. I was also told to file a police report ( which I did ) and I am waiting for an investigator to get back to me on that. I do n't understand why I was not notified about this before it got out of hand. Now, I have no use of my checking account and no debit card and a ridiculous amount of an overdraft. Why would a bank allow this? I have a XXXX prepaid bank card and they call me if I spend {$3.00} at XXXX for a cup of coffee to be sure I am the one that did it and they also send an email. Santander did none of that. I had to find out by logging in to my account. The account is very new and thank XXXX I never had my paycheck directly deposited to that account as I was about to do.
Consumer complaint received 2016-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Receivable Recovery Services, LLC (MO)

I have voicemails claiming to be an attorney firm threatening that if i dont pay right now they are taking me to court. Said they are the attorney firm but after looking up the address they are XXXX in NJ. She is very rude and causes an extreme amount of XXXX which is affecting my work and daily function.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Information about XXXX XXXXXXXX XXXX continues to appear on my credit report, however XXXX XXXX  XXXX have no information on me said account on their data base. I have tried to dispute it, but it continues to appear on the reports. The credit bureaus advise me to get in touch with XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX advise me to get in touch with them. I've been going in circles for months, to no avail.
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Consumer complaint received 2016-03-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (WA)

I received a letter from First National Collection Bureau , Inc. stating that their client " XXXX XXXX XXXX '' is offering a discounted offer to pay off a debt. The letter indicates the current Creditor is XXXX XXXX XXXX and the original creditor is XXXX. I have never held accounts with either of these entities and feel this debt is not valid and certainly not my debt. I have done some research online about XXXX Funding and find that there is a ton of information on credit reporting websites that show this XXXX company is conducting illegal collection activity. I am writing this company back directly disputing this debt and requesting that they remove my name and address from their accounts and cease and desist in all further contact or request for payment since this debt does not belong to me and I have no responsibility to pay this debt.
Consumer complaint received 2015-05-27
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

wells fargo bill me for atty services XXXX, XXXX this is the XXXX time they did this and do n't explain it. There a court date on XXXX XXXX, About a settlement for judgment, they need to explain things to me. 

And they s/b be suing the XXXX who created this mess, thinking they could foreclose on pty that the bank owns, by not serving them.
Consumer complaint received 2017-02-07
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

Hello, my name is XXXX XXXX. I have a reverse mortgage through Wells Fargo Home Mortgage.Two years ago I had financial trouble and could not pay my property taxes for XXXX. After initially threatening foreclosure, I was placed on a repayment plan. After continuing to repay as agreed and paying my own property taxes for nearly two years, Wells Fargo began threatening me again with foreclosure, only this time it was due to their claim that I did not have sufficient flood insurance coverage. Upon looking at my policy coverage I found that it was {$50000.00}, not enough to satisfy the reverse mortgage amount of roughly {$210000.00}. It is something that I do take partial responsibility for, however if Wells Fargo would only have contacted me then and let me know I would have increased my own policy to {$250000.00}. Never once did I ever recieve a simple letter stating that I had insufficient coverage. So they charged me {$3200.00} for two years of insufficient coverage and threatened me with foreclosure again this past Fall. They then put me on a repayment plan again for that amount. That 's {$3200.00} for two years of flood insurance coverage all along while I was also paying {$600.00} for my own {$50000.00} policy. I told them that I will have my own private flood insurance increased to {$250000.00} in XXXX XXXX and that I would send them a copy of the new policy. Well last month I received a call from Wells Fargo right after the XXXX XXXX and was told that they were charging me another {$1600.00} for flood insurance for XXXX. I told them that I was getting my own policy through XXXX increased in XXXX and at " HALF '' the cost that they are charging me! I am a senior citizen on a fixed income. At XXXX years of age, my XXXX can not take much more of this. I can not believe this is happening when all Wells Fargo had to do was let me know 2 years ago that I did n't have enough coverage. They are charging me twice what my own insurer quoted me and because of that they are now taking half of my social security check each month and I am struggling to be able to afford to pay for increasing coverage on my own flood insurance policy! Please, I really need help here!
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-07-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

I know I 'm being charged a very high interest with Ally financial for my auto loan, and the dealership that sold me the vehicle ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX ) charged me over {$7000.00} dollars more for XXXX insurance that I did n't ask for, along with an additional warranty contract in which I did n't ask for. My vehicle price was {$13000.00} but with the above additional charges my contract says my total financed is {$20000.00} along with a 15.45 % interest rate. I received paperwork regarding the settlement for and Ally has n't modified my loan, so I 'm still paying the same high interest rate, which I can not afford and this has affected my credit, to the point I ca n't even refinance with another lender due to the negative reports from Ally Financial on my credit report. I want to get out of this loan and have my credit report corrected due to the unfairness Ally financial and XXXX XXXX XXXX XXXX NJ has caused me to endure. It 's bad enough that I have been discriminated against because of my race, which I would n't have known about if it was n't for the information from CFPB, but this is affecting my credit in a negative matter where I ca n't even get a lender to refinance me.
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

the credit reporting is refusing to reinvesitage past paid in full accouts and update or remove inaccurate imformation on my report its still showing derogatory or collection made 5 disputes and no effort to make chaneges was paid to orignal creditor before transferring to different collection agency
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a name on my credit report that is not mine nor has it ever been mine. Not sure how long it 's been there because I just noticed it and I do n't check my credit report as regularly as I 'm sure I should. I attached a picture only one of those names is correct. Thanks in advance.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently removed a name, addresses, phone numbers, an account, and a hard inquiry from my account that belonged to someone else with the same first name and a similar SSN. There are XXXX more hard inquiries from XXXX XXXX ( XXXX XXXX 2015 and XXXX XXXX 2015 ) that do not belong to me. These are the last XXXX hard inquiries that need to be removed from my Transunion report that do not belong to me. Just like the first time, Transunion claims they can not remove them without letters from the creditor, while the creditor says they can not send me any letters since I am not a customer of theirs ( which is true- since I do not have an account with them ).
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Hi, I have duplicate credit reports on my report. it increases the number of my open accounts which affects my report. This duplicate loans are for my Students Loans. I 'm still a students and have graduated so my payment wo n't start till i graduate. I have attached a screenshot of all accounts. my student loan servicer is one agency as far as know. it should be XXXX account and not XXXX different account. Thank you so much
Consumer complaint received 2023-08-30
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-09
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 signed up for 2 month deferral and they granted it to me mid XX/XX/2023 after i lost my job but they did not complete the paper work in their system ... so around mid XXXX they sent me a letter i was in default and in a few days would repo mycar ... so they approved me again for the 2 month deferral and I saved my car from being taken and they still ruined my credit in 2 areas on my XXXX XXXX  for all bureaus .. and will not fix it.. i took a huge dip in my scores because of them and this one area still says i was late in hte 30 to 60 day area and that is ruining my good name of years of on time good payments with all creditors and i am trying ot buy a house very soon.. I demand they fix all areas that show any thing negative about me and reverse the comments back to never late etc..
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

A few days ago I received an alert from my credit monitoring system that an update had been added to my credit report and I contacted the transunion credit bureau to alert them of my situation. They did not comply due to my not completely confirming my identity. I decided to allow an attorney to submit the pertinent information of proof of identity. I also contacted the Consumer Financial Protection Agency to have a further investigation to remove this disqualified request of an overcharge on my XXXX account. The breakdown the charges of the bill and continued to submit different charges with each billing statement that was submitted.
Consumer complaint received 2016-11-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

last week recieved information the transunion has deleted incorrect information on my credit files from CFPB case number XXXX response from complaint, Relief We received your complaint about the XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. This item identified in your complaint has been deleted. it was not deleted from all files
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: ALLY FINANCIAL INC. (PA)

I have XXXX finance loans on my account for auto loans from XXXX XXXX that I never applied for or authorized. I never needed an auto loan because I purchased a used vehicle with cash. I have an inquiry from Ally Financial Inc that I never authorized. I have an inquiry from XXXX XXXX. I have an inquiry from XXXX XXXX that I did n't authorize. I have an inquiry from XXXX XXXX XXXX XXXX that I did n't authorize. I have an inquiry from XXXX XXXX XXXX that I never authorized. I have an inquiry from XXXX XXXX XXXX that I did n't authorize. I would like to dispute all the above names from these credit agencies as I did n't give any of them the permission to access my credit therefore putting these hard inquiries on my credit report which will damage my credit.