davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I pumped gas at a gas station and the card got stuck in the pump. I believe that the card information and pin were stolen using a card skimmer. I filed a claim right away but it was denied. First I was told that it was because the chip was used and the chip was impossible to use. Then I was told that it was because I didnt report the issue at the gas pump, which I did with my initial claim. Then I was told that it was denied because the pin was used and it is impossible for a pin to be stolen according to Wells Fargo.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I sent a letter to Equifax requesting a correction on my credit report. I mailed it via certified mail on XX/XX/XXXX and was received on XX/XX/XXXX. I waited 30 days for a response and did not get one. I sent a follow up letter on XX/XX/XXXX also via certified mail which they received on XX/XX/XXXX. Both letters included a copy of my driver license and my social security card for identification. Today, I received a letter saying that they can not verify my identity and to mail in a copy of my driver license and my social security card to verify it is me. I have sent the same information twice, but Equifax is not complying with my request.
Consumer complaint received 2023-09-20
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (IL)

Subject : Inquiry Regarding Finance Charges and Fees I am writing to document my phone call on XXXX, XXXX XXXX, XXXX, regarding a {$280.00} finance charge, a {$100.00} purchase, and a {$92.00} fee on my account. 

Here is the timeline and details of my transactions : XXXX. XX/XX/XXXX : Purchased furniture from XXXXXXXX XXXX XXXXXXXX XXXX using Fortiva Retail Credit. 
XXXX. XX/XX/XXXX : Returned the furniture and repurchased new items. 
XXXX. XX/XX/XXXX : Received the new furniture. 

The original purchase included a one-year interest deferment. Since there were two separate purchases, they should have two distinct interest accrual periods. 

During my call, I spoke with : - XXXX XXXX Customer Service Representative, ID XXXX ) - XXXX ( Customer Service Elevation Manager, ID XXXX ) - XXXX ( Escalation Supervisor, ID XXXX ) FOR OVER AN HOUR The representatives from Fortiva stated they did not receive information from XXXX XXXX XXXX confirming the return of the furniture, leaving the account balance at XXXX. They also mentioned that they could not obtain this information. Despite my request for them to contact XXXX XXXX directly, they refused. 

I am seeking assistance in resolving this issue as the charges on my account are incorrect due to the lack of communication between XXXXXXXX XXXX XXXX XXXXXXXX and Fortiva Retail Credit. 

Thank you for your attention to this matter. I look forward to a resolution. NO INTEREST UNTIL XX/XX/XXXX, REMOVAL OF FEES AND FRAUDULENT CHARGES. NO HELP WAS RECEIVED FOR THE XXXX  FRAUDULENT PURCHASE OR THE XXXX FEE. 

XXXX XXXX @ XXXX ON XXXX IN REGARDS TO A FEE OF XXXX DOLLARS AND XXXX FEE. 
XXXX XXXX SUPERVISOR
Consumer complaint received 2024-07-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

A deposit in the amount of {$2300.00} on XX/XX/XXXX was made to a Wells Fargo Bank Stand Alone ATM on XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX Two checks in the amount of {$69.00} and {$2200.00} were a part of this transaction. 

The ATM miscalculated the deposit, and I was credited {$91.00}, instead of the full {$2300.00}. Wells Fargo was immediately notified, and the representative was dismissive of the events I described. The customer service representative took no details for the claim and stated that the machine will be serviced as soon as possible. 

Claim # XXXX was opened, and no provisional credits were issued. Today, XX/XX/XXXX, I followed up regarding the claim, only to be told by the ATM division of Wells Fargo Bank that since there were no details obtained at the original phone call that it would take an additional 10 business days to investigate and return the difference of {$2200.00} back to my account. 

I contacted an escalated complaint division of Wells Fargo Bank, and spoke with a gentleman named XXXX, only to be dismissed once again and told that I needed to wait 5-10 business days to have the matter investigated and my money returned. XXXX provided me with the following complaint number : XXXX Additionally, I contacted the executive office as well as the Claims Department to see if there was any way to rectify this matter expeditiously. Both departments were dismissive and refused to take responsibility or provide any assistance to correct their errors. 

I am in the process of relocating my business. This money was earmarked for an essential piece of equipment required to reopen my dental practice. If this is not immediately resolved, Wells Fargo will paralyze my business and cause financial harm as a result of an ATM machine that was not properly working,
Consumer complaint received 2024-07-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc. (IL)

In XX/XX/year>, BSI took over my mortgage from XXXX. 
My original escrow payment was {$700.00}, but as soon as BSI took over my escrow payment increased to {$1300.00}. 

I called, and emailed. I was told there was an issue during the onboarding process. I called back 5 days later, then I was told an escrow analysis needed to be completed and told to call back in 5 days. I called again and told there was an issue and it needed to go to the research department, and that my previous request was not supposed to go to the onboarding department. I called back 5 days later ( this was about XX/XX/XXXX ), and was told there was a problem with the insurance. I submitted the homeowners insurance information, but my escrow payment is still reflecting the higher amount.
Consumer complaint received 2023-06-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST MERCHANTS CORPORATION (MI)

We started a construction loan/mortgage with XXXX XXXX ( now First Merchants ) in XX/XX/2022. The loan officer ( XXXX XXXX ) strung us along with false information and promised closing dates that did not happen.

We escalated this issue at the bank and eventually the loan was closed but : * It closed several months after promised closing * We were forced by the bank to pay off some current loans which took away cash we had saved for the house build, made us lose cash discounts and increased the amount of money we had to finance with the bank * We were forced to pay off our son 's student loan ( we were co-signers ) and he may now lose out on {$10000.00} of forgiveness.

Once the loan was closed, it was nearly impossible for me to pay. I requested online access several times and was told they could not authorize our online account. I went into a physical XXXX XXXX ( now First Merchant 's ) branch and three different bank employees told me they could not figure out how to take my payment because they were not sure if it was a construction loan or mortgage. I did have loan statement with me including the account number. 

It took the bank multiple requests to pay out the final draw our builder which out us in a bad situation. Our builder is a client of mine and this incompetence put my business at risk. 

XXXX XX/XX/XXXX, we received an email from the bank ( XXXX XXXX ) stating our loan was rolling over from a construction loan to a mortgage and we needed to submit {$11000.00} immediately to roll over the loan. We were told no payment was due for XXXX or XXXX and our first payment of {$3300.00} would be due XX/XX/XXXX. 

We jumped through hoops to come up with {$11000.00} with about 48 hours ' notice and sent it to the bank. 

Last week, my husband and I did a conference call with XXXX XXXX XXXX ) who stated we did not make our XXXX payment. We explained the situation to her and sent her XXXX XXXXXXXX XXXX  contact information. XXXX stated she would get this figured out, put it in a holding pattern so it was not reported to the credit bureaus, and she stated she would " do what she promised '' and call us back with an update. We have never heard back from her. We also just received notice that this was turned into the credit union.
Consumer complaint received 2023-02-24
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. (CA)

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 XXXX XXXX XXXX. 


XXXX & XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX  keeps reporting that I had a credit card account with them until 2017 that I left unpaid or delinqent. It is different on every credit reporting agency report, so it's hard to explain, but I have never had a credit card or any revolving credit with them. Also, I have not done any business with them whatsoever in the past 10+ years. The only thing I can think of is that it could be overdraft fees on an old checking account that was closed over 10 years ago. 

They will not provide records to me unless I take off work and come to them in person, which I can't do without incurring even more adverse effects. It's too old for them to find records online but not too old for them to keep reporting it negatively. I don't have any records because it is such an old account, which I believed was closed without issue.
Consumer complaint received 2024-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I called in XXXX of 2024 to change my payment due date to the beginning of the month. XXXX of the month. They said they processed my request and that it would take 2-3 months. I called back in XXXX to be told that I need to wait 10 more business days. I called back last week to be told the request did not get processed and that I need to wait another 2-3 months. I am going to lose my house. I get paid once a month. Budgeting my money is impossible with this payment being due in the XXXX of each month. How hard is it to process a due date change. Never in my life with any credit card has it been this difficult. They are playing games at my expense. Please help me
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-18
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: EQUIFAX, INC. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

talked to different people and received different answers. First ( XXXX opened an issue to be investigated ) thought it was a mistake and second ( Supervisor ) said it was valid and must be agreed to to continue use of BillGo ( BillPay ) service CapitalOne is migrating to new Bill Pay service ( BillGo ) and requiring agreement to a new Terms and conditions. This T & C and some questionable sentenaces. Highlights below followed by Complete T & C as go XXXX ==T & C Snipets ( Highlights surrounded by **** >The Service is currently being provided as ****a " pilot '' or experimental version intended only for testing purposes ****. The pilot is being done to provide us with feedback on the quality and usability of the Service.< ... > Be aware that the pilot might have errors or inaccuracies that could cause failures, corruption or loss of data and/or information from your Mobile Device or other devices and from connected peripherals. You should back-up all data and information on your Mobile Device prior to using our pilot Service. **** We may, but are not obligated to provide any maintenance, technical or other support for the pilot.V > and mini NDA sentence >Use of all pilot software and related information **** is considered confidential information until released to the public by us. **** < ===== The full T & C Terms and Conditions for the BillGo/BillPay service in attached TXT file
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-09-20
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. (MD)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX, I entered into an agreement with American Express to pay off the balance of my account. The schedule that AmEx created included payments automatically drafted from my checking account on the XXXX of each month, with payments beginning on XX/XX/XXXX. Since that time, the payments have been applied to my account on the XXXX of each month, but a {$40.00} late fee was also assessed on my account XXXX days later. According to recent notices from AmEx, my account has been reported as 150 days past due and the balance is now almost {$200.00} higher than it was in XX/XX/XXXX when the payment plan was confirmed. 

I have talked with Customer Service reps at AmEx and have asked how my account balance can be higher due to late fees when the payments were automatically drafted according to the schedule created by AmEx. Every company representative has attempted to push the blame on me and questioned if I just forgot to make the payments, when my account clearly shows the payments applied to my account of the dates of the payment plan. 

I have made several requests to have the issues escalated to higher management and to have my account reconciled manually to remove the illegal late fees and bring the balance of my account to the true amount based on the payments that have been made. 

I have yet to talk with someone at American Express that can give me a valid answer for way the late fees were assessed and correct my account. At this point, they are threatening to write-off my account and further damage my credit rating, beyond inaccurately claiming my account to be 150 days past due, because I refuse to agree to a new payment plan using the higher balance that they are claiming. 

I have attached the PDF of the email confirmation of the payment agreement that was sent to me on XX/XX/XXXX, as well as the payment record from my account summary on the AmEx XXXX.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc. (FL)

XXXX XXXX  pulled my rental history. They said I had a collection from an old apartment I had it collection agency is called National Credit system in the amount of {$4800.00}. I checked my credit report. The apartment are trying to collect from a collection agency when they filed a claim with my renters insurance company XXXX. They have paid them in full the amount of {$4800.00} on XX/XX/23. I have all the supporting documents and XXXX XXXX will not accept them. I ran my own renter background check and it came back XXXX XXXX clean. I do not nor have I ever been evicted .This is causing my not to be able to rent an apartment.