davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I had direct deposit into my checking on XX/XX/XXXX. I also had two pre authorized payments of {$300.00} each held against my available balance, which is fine, I was expecting these two transactions. Over the weekend, I could see that my available balance was just over {$160.00}. I made three online transfers to my son 's account against that balance, leaving me with a little over {$110.00} in my available balance ( as it showed in my mobile banking application ) on XXXX. 
On XXXX, my account suddenly shows as overdrawn by over {$120.00}. In the morning, my mobile app did not really show me much of a reason. In the afternoon, I can see that I was charged three NSF fees for a total of {$100.00} in fees. 
I called Customer Service and after 20 minutes I reached an individual that agreed that this did not sound right and said he was putting me on hold while he researched it. I was on hold for a while and then disconnected. 
This is not the first time I have seen something similar happen. 
I believe this is an unfair accounting practice which ends up charging consumers more in fees than should be charged. 
Also, the bank has stated in the past that this problem is on the merchant side and not the banks. The merchant sends the debit, and it did disappears the next day, which leads the bank to put it back into the clients ' available balance when in fact, the item is still out for clearance. In any case, it is misleading and confusing for clients who think the debit has already cleared. In my particular case, there were two debits and if both had been subtracted from the available balance and the online transfers still made, there would have been enough funds to cover everything except ONE debit of {$300.00}. The result of that would have been one fee charged of {$35.00} and not three fees totaling {$100.00}
Consumer complaint received 2021-11-02
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Bank of America continues to report inaccurate information on my credit report regarding payment history for a mortgage account that is no longer with them. This information has been challenge via dispute and they have yet to remedy the situation. I am aware this is a violation of my rights via FCRA and I request your assistance regarding this matter. Thank you
Consumer complaint received 2021-11-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

I have had PoA for my parents IRA and stock accounts at Wells Fargo. Quarterly statements arrive to my address. Both parents have now passed on and I am executor for the estate. I called Wells Fargo XXXX to close the accounts and send checks to the estate. After one hour, and three different people in their Estate group, no one can find the accounts using the account numbers, names or SSNs. They say maybe the money has been turned over to the state. 
I have had the PoA, I review each quarterly statement including the one through XX/XX/2021. And just received a notice from them about transferring management of the accounts to another firm. 
Other than telling me to go to a branch office and talk with someone there, they have no answers for where the accounts or money are. 
Ive never encountered or heard of anything like thiswhat can be done? I have also alerted my lawyer for the estate about this situation. Help?
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (CA)

Your organization closed this response with the company responded. They responded with giving me a list of dates and amounts not addressing who, what or where.They list an account opened one year past with no activity until a year later whereas within one month there were transactions that were not in chronological order and all within one month amounting to {$2600.00} with no identity as to what was purchased. There is an email address that is not my email and a secondary email address that appears to belong to whoever opened this account. There are ARC activities with no account number or routing number that could identify the bank and individual. All activity occurred a year after the account was opened and was within one month. None of my original questions where addressed regarding this account. Now the two companies XXXX and SIMM Associates XXXX Inc have double their calls and insistance I pay an account that is not mine.
Consumer complaint received 2021-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (WA)

On XX/XX/2021 at approximately XXXX XXXX  PST, I received a call from a collections person stating that it was an attempt to collect a debt. She said my account was 13 days past due and I disagreed because I made two payments and canceled the second one. 

After asking questions I found out that TD Bank ( XXXX  ) had canceled my first payment set up on XX/XX/XXXX because I had two payments for the same month making it appear that I hadn't made a payment. 

They later told me that I didn't have to pay the {$29.00} late fee but it would be taken off at the end of the payback time. This is a tactic often used by banks attempting to leave on the additional fees without the consumer noticing it. When they set up the account back in XXXX I also noticed that they added on additional money.
Consumer complaint received 2021-11-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Harris & Zide (CA)

Hi Please people I guess there are collection agency by attorneys office trying to sue me and using the language yeah just trying to sue me Be half off I believe XXXX and this is an old account I really contacted them so many times A normal response with me and help me during the pandemic is it weird I am suffering so bad me and my family we can sit for the pandemic COVID-19 And suffering so bad and have very bad They did not help me and now they want to soon take me to court for this whole accounts which is a try to address and inform them that iMessage ration they dont care can you please help me an address in this marriage between them please I will be appreciate
Consumer complaint received 2021-11-02
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. (FL)

I HAVE FILED A DISPUTE IN REGRADS TO THE IMCORRECT ITEMS ON MY CREDIT REPORT ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY IVESTIGATION RESULTS.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (CA)

On XX/XX/2021, my home burnt down in the XXXXXXXX XXXX. I contacted my mortgage company and filed a forbearance on my loan due to this. My forbearance was approved as of XX/XX/2021. A few weeks later, I got a notice stating my forbearance was canceled. I called back and told them of this error, they then stated they re opened my forbearance and it was all in effect again. I continued to get past due notices in the mail from them so I again called back in XXXX of 2021 to confirm my loan was still in forbearance and I was told it was. I called again on XX/XX/2021 to verify my account standing for a new mortgage I am trying to obtain. During this call I was told I was removed from forbearance again and my account is showing past due. They re submitted my forbearance to a manager to get it reinstated, however it still reported to my credit companies I was past due on my mortgage. I was in contract for another home already and this error from them ruined my family from being able to buy a new home and has made us remain homeless until this is corrected.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2021 I received an alert from XXXX XXXX that a hard inquiry was attempted from XXXX XXXX from Bank of America but was blocked due to my having a freeze on my credit bureaus. I called Bank of America at XXXX and spoke to XXXX who took my ss # and then transferred me to the Fraud department where I spoke to XXXX who said he was in the XXXX TX region. their address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I explained what happened and he said " hold on '' and then transferred me back the customer service line again where I waited and no one picked up. I was unsuccessful in my attempt to stop Bank of America from attempting anymore credit inquiries and therefore perpetrating fraud against me. I was denied any attempt to explain this was not my actions and I have never attempted to open any account anywhere.
Consumer complaint received 2021-11-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (GA)

I do not recognize the creditor JPMCB Auto at XXXX XXXX XXXX XXXX XXXX TX XXXX. They have been sending me collection notices in about the collection account reporting that this is past due. I do not know this company and they do not have a contract bearing my signature. I have never done business with this company.
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (KS)

Selene Finance took over service of my loan in XXXX. Loan # XXXX. I was previously in Chapter XXXX Bankruptcy that was discharged in XXXX. Selene Finance refuses to acknowledge the bankruptcy discharge despite my sending documentation from the courts. They have refused to communicate with me regarding details of my loan without hiring an attorney post discharge of the bankruptcy. I was required to pay an attorney to get a payoff amount. I have paid off the mortgage and now have not received the mortgage lien release. I have been advised by customer service that I need to hire the attorney again. I have not been represented by an attorney since XXXX. I fully consider their actions to be predatory. I I have to hire an attorney again, it will be to file suit.
Consumer complaint received 2021-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Portfolio Services, Inc. (MD)

On XX/XX/2021 and XX/XX/2021 I enter a contract with XXXX XXXX XXXX XXXX that when they cash my check for payment that they will remove all derogatory items from my credit report from all the credit bureaus that they report to. As of XX/XX/2021, they are still reporting derogatory items on my report. I sent them a certified letter on XX/XX/2021 of breach of contract and they have not responded to my request to remove these negative items from my report.
Consumer complaint received 2021-11-02
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX I received a cashiers check in the mail for a company they had applied for to work at home and when I went to cash the cashiers check it was cashed at Wells Fargo and when I went to deposit cash in my account for days later my account was At a freeze. It showed available balance XXXX or five days later XXXX put it in as a deposit a check of the amount of XXXX. When I went to the bank to find out what was going on because I had paid bills with the money that was in the account they put a stop payment to all of those and told me I was a fraud
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have spoken to a couple of agents at Capital1 regarding 2 " cash advance fees '' of {$10.00} each. However, I have not cashed any money from my account, nor used any service authorized to access my cash advance limit. and I have an available credit limit so no need for any company to use a cash advance limit. They were unable to explain where those fees came from, did not offer to credit the fees back, and were not willing at all to try to find a good explanation. XXXX from XXXX center was not willing to work on the issue and hang up the call when I asked her several questions that she was not able to answer as she did not have done enough research on the issue. This card is not having unauthorized transactions from my side but is just being charged those fees directly from the bank without any reason. 
I have not done any cash advance transactions at all. XXXX from XXXX, FL center as well does not seem to help and was very rude in trying to work this issue. XXXX, XXXX, FL. XXXX, a fraud supervisor, has been asked to open a fraud ticket, and she also did not open XXXX, and have not suspended the wrong fees for investigation. I've been very clear to all of them that there were no cash advance transactions ( they then stated an app named XXXX was used for this purpose, and it was used to refill a pre-paid cell phone of mine. Never using cash advance limits but regular limiits, and any fees related to credit avance are unauthorized and fraudulent. Even the {$10.00} ( total {$20.00} ) charged by Capital 1 are fraudulent, illegal, a scam, and I hereby request a refund. XXXX states they do not charge any fees and do not use credit card cash advance limits, but regular credit card limit available specially to refill pre-paid phone services. 
This is not the 1st time I have problems with C1, but this time, this is too much. I demand redress.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2023-07-02
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. (IL)

account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 Section 602 A section 2 : It also the state a consumer reporting agency can not furnish a account without written Instructions 15 USC 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 items of information othe than records of convictions of crimes which antedates the report by more than seven years 15 USC 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 2021-11-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I came across a bankruptcy on my credit report that was not fully verified. I disputed this information to Experian and they claimed that it was verified. I asked for a description of procedures along with the source who provided them the information. They refused to provide the source other than stating that the courts verified the Information. I reached out to the court house and they responded to me in writing stating that they don't provide any information to credit reporting agency. I also provided to the courts an Affidavit of facts because I didn't authorize the release of any personal information. I then went on Experian 's website and came across XXXX is the vendor for public records in which Experian records. Problem is, if Experian did a proper investigation from XX/XX/2021 dispute then they would have realized that XX/XX/2021 XXXX removed the alleged bankruptcy because it was unverifiable. Im trying to understand why the bankruptcy is still on my report. I want to make Experian aware that they must fully understand by law that they must fully identify that anything they get from a reseller or vendor. This not only includes the name and address but it must include date of birth and full 9 dight social security number. the FCRA also states that a bankruptcy may be on a consumers report up to 10 years but it never stated that it must be on a consumers report. Lastly I pulled a PACER report with the docket number provided on the consumer report and it lists incomplete information which makes the report unverifiable by not listing all XXXX dights of the social security number and does not have any report of a birthdate making it unverifiable. In this complaint is attached of all the evidence that Experian should have investigated but they failed to do so because they would have to delete the bankruptcy that they erroneously reported.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (TX)

On XX/XX/2021 My Cash App card was charged by XXXX XXXXXXXX both for {$310.00} and {$350.00} for airline travel without my knowledge or consent. I've tried multiple times since to dispute the charges formally with VisaXXXX XXXX XXXX  XXXXCash App/Square Inc all of each who say I can only dispute with Cash App. Cash App never answers the phone, it refers you to chat. Chat refers you to email, email refers you to chat or to dispute it on the app. There's is no such dispute function on the app. No human ever is inlvolved and now over 3 weeks no formal dispute is filed for transactions I didn't authorize. Visa nor XXXX  nor XXXXXXXX XXXX care whatsoever of the viloation in cardholder agreement, XXXX also doesn't care it was the merchant who charged my card without consent, it all referes back to Cash App with XXXX XXXX in XXXX  but no customer support to resolve any issue. How is this not a class action lawsuit already?
Consumer complaint received 2021-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

I was contacted by XXXX from " XXXX XXXX XXXX '' regarding something against me in XXXX XXXX XXXX. They also called my sister-in-law ( that I know of ). They said I needed to settle a debt with XXXX XXXX XXXX  ( I've never heard of it ) and when I said I believed it to be a scam because of that fact, the representative said it was not a scam and I can try and tell the judge that ( threatening litigation ). She proceeded to say that it was for a Best Buy card ( I have never had one ). I told her to not call me or my family again and that I would sue. She began saying an old address of mine before I hung up. This company obviously had my name, phone number, birthday, and last 4 of my social security number, so it is frightening to think how they came upon that information. I consistently check my credit score which reflects 100 % on-time payments and no Best Buy card, so I firmly believe this to be a scam. The call I got was from phone number XXXX and I was asked to return the call at XXXX.
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

I received a letter dated XX/XX/2021 in which a company known as " AFNI '' stated they were a collection agency for XXXX XXXX XXXX. They were seeking {$270.00} but would " accept a discounted amount of {$150.00}. '' My telephone bill has not exceeded {$30.00} in the last 10 years. I also spoke to customer service with XXXX XXXX XXXX and they assured me I have no outstanding balance whatsoever. 


This is clearly a fraud aimed at extracting funds from people -- -- -most like Senior Citizens, which I am. 
Here is information on their letter : Phone : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX XXXX, XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2021 {$870.00} was deposited into my capital one capital one was reviewing it was supposed to be released XX/XX/XXXX first payment of {$200.00} second payment for {$670.00} was supposed to be released on XX/XX/XXXX. I spoke to a senior advisor he let me know he is short me they had my funds and it would be released on the days now Captial One says they sent my money back to the financial institution how do you send money back to a financial institution that Ive close down and unlinked from my external account the external account is XXXX XXXX and at XXXX XXXX  you cant talk to human XXXX XXXX  wont give me my money back and it was never deposited so now Im sitting here out of {$870.00} in the middle of a pandemic. With nothing.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I recently visited my doctor for a surgical procedure that I need to live. I was directed to the finance department to weigh my payment options. I was refused the funding I need because of an error on my Equifax credit report. I was advised to resolve all errors before I could have my XXXX. I am under extreme stress as I can't eat without this XXXX. The error is as follows, US DEPT OF EDU account # XXXX. This account is reporting twice as a duplicate.