davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

I was about to purchase a XXXX XXXX XXXX through a company called XXXX XXXX XXXX . They offered financing through their company and I thought ok I can do that instead of using my savings. I filled out the credit report which came back approved then started filling out the application on his XXXX when he informed me that the financing was really through Wells Fargo, not his actual company. I do not like nor do I trust Wells Fargo so I said no just forget it and cancel it. He tore up the paper contract and I thought we were done. I told him I would use another method to pay this. A week later I get a credit card in the mail with XXXX XXXX XXXX  on the card, not my name, and I was XXXX. I told them to cancel this card and I KNOW that there is a three day contract cancellation law. I called Wells Fargo and told them to not only cancel this card but have it REMOVED from my credit reports as it affects my scores. They sent me a letter XXXX XXXX telling me that they had research my account and found they were accurate and have now placed a " Compliance Condition Code '' on all my credit reporting agencies. I am furious. I have called them several times now to have this removed but the only way they will do that is if I agree their information is accurate. I am livid. This has impacted my credit rating that I work tirelessly to protect. They refuse to remove this code or even tell me what exactly the impact this can have on my future credit. I WANT THIS REMOVED.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-25
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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-25
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. (IL)

This afternoon, I was stunned to see inaccurate accounts appear on my credit report, completely out of the blue. I review my report regularly, and Ive never encountered such errors until now. I even refreshed my browser, hoping it might be a glitch, but nothing changedthe incorrect accounts were still there. I urgently need my documents reviewed thoroughly so I can put this issue behind me once and for all.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (VT)

On XX/XX/, I opened an Apple-Goldman Sachs savings acct XXXX using the apple wallet. I transferred money from my apple cash. 

In the agreement, and even written in big letters on the app, is that the money is available for withdrawal at anytime. 

However, when I tried to withdrawal funds on XX/XX/XXXX - back to my apple cash it was repeated declined. 

When I called to inquire, I was told that they money was subject to " transfer delays '' and that these " transfer delays '' may last for up to 90 days. When I asked her to define " transfer delays '' she couldn't. I objected, '' and stated that this was in violation of the contract, and also in violation of what is explicitly written on the app.. the XXXX  agent told me that they could always return the money immediately to where it was deposited from. When I said, that is what I was trying to do, she blamed the delay on apple, and would not provide further explanations. 

In the end, they would not make the funds available as the advertising promised. So I simply initiated a 100 % withdrawal of funds with instruction to wire transfer to my physical bank. Then, several days later, the money was at last deposited into my funds. 

I told XXXX that I would be reporting this fraudulent activity on their part. As well I told them that this may include joining a class action suit - as it seems that many persons were complaining online of a similar negative experience of GS not allowing withdrawals, despite the clear adverising of " funds available for withdrawal anytime. '' Then, today XX/XX/XXXX, I received an email informing me of an " Update to our Account Terms '' that now has a clause that says " We reserve the right to require you to notify us in writing seven days before a withdrawal is made from your Account. '' It also now says, " We may restrict your access or use of your Account, or close your Account, at any time and for any reason, without notice or consent '' It also now states, " Claims may be submitted to arbitration on an individual basis ONLY. Claims subject to this arbitration provision may NOT be joined or consolidated in arbitration with any Claim of any other person or be arbitrated on a class basis ... '' As well as, the updated account agreement says, " We may use the funds in your Account to cover any : XXXX '' and " You agree that we may respond to any such legal process in our own discretion without regard to jurisdiction. '' And " Regardless of the terms of any legal process, we have first claim to any funds in your Account '' and " We are not required to accept or execute any Apple Cash Transfer instruction. '' It is crystal clear that they could not abide by the original terms of their advertised services that were in place when the account was opened. So they have now gone back and modified them with absolutely unacceptable terms. 

Account closed.
Consumer complaint received 2024-11-02
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (LA)

I went to purchase a XXXX two years ago and applied for this card, The APR was not what they told me it would be so we paid cash and told them int he store to close the card. They said it was closed. Months later we find out we were charged for the merchandise anyway. We then went through a lengthy dispute process and asked them then to close the account, they agreed. A year later we get charged a late fee on a annual fee charge on a card we closed. Again a long lengthy dispute process. they send us notification the account was closed but refused to show where they removed the fraudulent fees.
Consumer complaint received 2024-10-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PLANET HOME LENDING, LLC (FL)

We recently lost our home to flooding from Hurricane Helene. Due to FEMA restrictions we are unable to repair the home and can not afford to raise it and bring it up to FEMA code. We therefore sold the property " as is '' and want to use the sale and the insurance payout to pay off the mortgage. We were able to secure a cash buyer and a quick close. The mortgage company, Planet Home Lending, says their corporate policy is to only apply insurance pay outs to close the loan. The payoff amount they provided to the title company is about {$560000.00}. We have sold the home for {$360000.00} and have an insurance payout of {$220000.00}. We have already endorsed the insurance check and had it delivered overnight to the address they provided and it has been delivered to them. The issue is, for title insurance purposes, the title company can not send the mortgage company less money than what is on the pay off document provided. We have asked Planet Home Lending to provide a new pay off amount that deducts the insurance money. This new amount would be entirely covered by the sale of the property and match the amount the title company has to send them. They refuse to do this. We have talked to a few different customer service representatives who have given different answers about whether this can happen or not ; we have also been told it has to go through corporate, who then has to reach out to the investor, who will decide whether they will accept the insurance money before the money from the sale. Instead they suggested we the borrowers bring over {$220000.00} to the closing to cover the difference and they will then send the insurance money back to us after the account is closed. They have {$220000.00} in their possession. They are creating an unnecessary roadblock to the sale of this property.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (MD)

The account in question is listed as XXXX  XXXX account # XXXX routing # XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX, XXXX XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX, XXXX XXXX ( XXXX/XXXX ) account # XXXX routing # XXXX, XXXX  XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX, XXXX  XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX, XXXX & XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX and is reported to have been opened on dates above. This account does not belong to me. Please provide proof by way of a signed agreement that this account is mine. This discrepancy is causing harm to my credit score and overall financial well-being. 
Per the FCRA, I am entitled to have incorrect information removed or corrected promptly. 

Therefore, I am requesting that XXXX XXXX XXXX conduct a thorough investigation into this matter and provide me with documentation proving the validity of this alleged account. There's no such documentation that exists. I request that this inaccurate information be removed from my consumer report immediately : Please be advised that failure to comply with my request within XXXX days may result in further legal action being taken. 
Thank you for your prompt attention to this matter. I look forward to your swift resolution of this dispute.
Consumer complaint received 2024-10-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Center, LLC (PA)

A company is trying to destroy my credit and has never disclosed this debt to me. I never signed anything saying I would pay this amount and have not had a fair chance to dispute this debt, this company just buys debt from whoever they can without properly Verifying it. I worked hard to clear up my debt on my credit report and if you view my report I have paid everyone I owed fairly. I NEVER CALLED OR Signed anything requested an ambulance. I will be seeking legal action and will be contacting my lawyer over this debt buyer trying to ruin my hard earned credit reputation.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2023, Wells Fargo ( XXXX ) added {$70.00} interest in error to my Wells Fargo credit card. On XX/XX/2023, I called XXXX and spoke to a representative, she identified this {$70.00} interest as an error and promised a refund of the {$70.00} interest- she also gave me a case number. Furthermore, XXXX mailed me a letter dated XX/XX/2023, stating that on XX/XX/2023 XXXX credited {$51.00} back to my credit card, and on XX/XX/2023 XXXX credited {$19.00} back to my credit card. This did not happen as XXXX explained! 

On XX/XX/2023, XXXX did credit {$51.00} back to mt credit card. However, on XX/XX/2023 XXXX added a {$19.00} charge to my credit card. On XX/XX/2023 I called XXXX and questioned this charge. The representative explained that it was supposed to be processed as a credit so the two credits ( {$51.00} and {$19.00} ) would sum to a credit of {$70.00}. Basically, the charge should have been a credit, and I will be receiving two {$19.00} credits now on my next statement in XX/XX/2023- she apologized for this mistake and gave me a second case number. 

When I received my XX/XX/2023 statement, I discovered that no credits were processed and in fact the {$19.00} was debited from my WF checking account as an auto-pay transaction. On XX/XX/2023, I called XXXX and spoke to a third representative that provided a third case number, and apologized for the continued mistakes, and she explained she will request a new case to be opened for review. 

XXXX is continuing to add bogus interest charges to my credit card and erroneously taking money from my checking account as payment for those bogus interest charges. WF actions do not follow what the representatives and WF letters are promising. XXXX is wasting my time because I have to continuously contact them, and taking my money without a valid transaction. 

I am requesting help from CFPB for restitution of XXXX 's egregious actions that has caused me financial harm.
Consumer complaint received 2024-10-22
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: DISCOVER BANK (GA)

Sent a debt validation letter to XXXX XXXX for account # XXXX my report states that I owe a debt of {$220000.00}. I have no knowledge of this account and it needs to be removed
Consumer complaint received 2024-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXX/XX/XXXX Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Transworld System Inc., I am writing to formally dispute the following information on my credit report, which I believe is inaccurate and requires correction. 
Account Information : - Account Number : XXXX - Creditor XXXX XXXX XXXX XXXX XXXX Date of Reporting : XX/XX/XXXXXXXX XXXX XXXX XXXX  Amount : {$680.00} I discovered that the above-mentioned account is incorrectly reported as open account on my credit report. 
To support my dispute, I am requesting the Purchase Agreement dated between myself and XXXX XXXX which outlines the terms regarding the ownership and status of this debt. Also an original contract with signature. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. I request that you investigate this matter and correct my credit report accordingly. Please provide me with written confirmation of your findings and any actions taken in response to my dispute. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (CA)

My process that leaded me to this complaint I was getting harassing calls from these collections companies, and emails, plus mail that I was giving them payments when there was no payments done. What so ever by my part.

I explained the collection companies I was in the do not call list which I attached to this complaint and the calls went from 3 per day per account to Monday to Weekends very early in the morning to XXXX. 6 times per account and per day.

I printed my credit report.

I saw that this collection company.

Midland Credit Management has 1 account under open, under collection, and wrong information of the debts was in my credit report. Depts were closed by the original
creditor and mentioned to me that they were Charge off. Place of loss to the taxes and send 1099 's Midland Credit Management has ; Account Information : Midland Credit Management Creditor Name : XXXX XXXX  Account Number : XXXX Balance : {$540.00} I asked for the collection company to verify my information, the dept, to send me proof I did a contract with them, proof of my social security, my address last payment done, that they own the dept and could collect on the behalf of the creditor.

Base on Inaccurate Information Pursuant to 15 U.S.C.

In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the dispute information I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary.

If after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verify, I expect the prompt removal or correction of the disputed item from my credit report.

Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I have one Inquiry still showing on my credit report for XXXX that was open in XX/XX/XXXX it should have been closed in XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX was a settlement and should be removed from report XXXX, MI XXXX XXXX XXXX was a settlement and should have been removed from report open in XXXX. 
TARGET was a settlement and should been removed from report open in XXXX. XXXX XXXX XXXX was a settlement and should be removed from my report XXXX, oh XXXX
Consumer complaint received 2024-09-27
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. (WA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-10
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. (FL)

I have received your computer generated letter stating investigation of my credit reports because, in your opinion was sent by a third-party credit repair agency. Not only do I be this was strategy to grant you an additional 30 days. I also believe it to be a blatant violation of the FCRA. I provided my state issued ID, Social Security card as well proof of residence so that it would be no confusion. ThatI questioned the accuracy of a few items quest was written by me and mailed by me not third-party agency or anyone else. Please stop with thestall tactics. 

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 XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX
Consumer complaint received 2024-09-09
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. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-09
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. (GA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.