davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

RFC XXXX {$2000.00} and XXXX Amount {$1500.00} are reporting on my account and both are the same thing. I have no knowledge of this debt and Equifax continues to say they verified but will not tell me what evidence they based this on. I have contacted XXXX and they stated the account is listed with the debt collection CRA. The company has no agreement of signature binding me to this alleged debt. They state that a live check was sent to an address that I did n't live at. Equifax did n't follow guidelines as specified by XXXX or else they would 've removed this account from reporting on my credit profile.
Consumer complaint received 2016-12-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

This complaint refers to the checking account with Wells Fargo opened on XX/XX/2016. This account was opened with the understanding that it is eligible to receive {$100.00} bonus after all qualifying transactions were made ( please see scans for details ). 
As pr requirement of this bonus offer terms and conditions, all qualifying transactions were made shortly after the account was opened. As of XX/XX/2016, no bonus offer was received despite the fact that I have tried to discuss this problem with various customer service representatives including from online department. 
Thank you for your help
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

The Equifax credit bureau continually reports old, outdated information on my credit file, particularly 1 account which was paid off over 1 year ago in XXXX 2014 is still being reported as an active collection account even though the collection agency indicated in writing that they have been reporting a paid in full status and XXXX balance. 
Also, I have tried disputing old, outdated information online, however, Equifax stops the online reporting process indicating they can not verify my identity and who I am. 
Which entity or agency XXXX credit bureaus which make their living by publishing old, outdated information, so credit grantors can make more money and profit because bad information is being reported on consumers?
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

Please see attached for additional documents re : previously deleted and reinserted judgment on my credit file. The item was previously disputed, investigated and deleted. Equifax chose to reinsert the judgement at their discretion and subsequently ruining my credit score. I sent a document on a letterhead from the creditor asking that this judgment not be reported as the left the judgment in efforts to pursue other party on account and not me. I have verbalized this to every employee that has answered the phone in consumer division at Equifax in XXXX. I have sent faxes and disputed relentlessly to get this judgment off my credit. They have now blocked me from monitoring my credit to determine if other errors exist and identity protection. Additionally, they have reinserted late payments that were removed by the credit grantor ( XXXX XXXX XXXX ) last year. The credit grantor is not reporting late payments on my lease that started on XX/XX/XXXX. There is no issue with XX/XX/XXXX lease and it is not being disputed. I want to be clear about which lease as Equifax has deleted other accounts with pristine credit history and subsequently lowered my car buying FICO by almost XXXX points. I have financed and paid off XXXX other vehicles in the past 7 years. I only have XXXX paid car reporting with this CRA as Equifax at their discretion deleted the other XXXX paid in full accounts. They have further gone and deleted years of pristine credit card payment history in the last 30 days as retaliation to complaints filed Maryland OAG, XXXX, and other regulatory bodies of the government.
Consumer complaint received 2016-03-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (FL)

The bank we are operating with, has giving us checkbooks with an error in the account number. We have made payments with some of those checks and all of them were not cleared for that reason. As a result of such those mispayments XXXX of our cars hase been repossessed and so far the bank has done little to nothing to resolve this situation.
Consumer complaint received 2017-01-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

My partner and I had removed our overdraft protection from our Wells Fargo checking account. The removal is supposed to prevent the approval of transactions if there is n't enough funds to cover a transaction. However Wells Fargo allowed 12 transactions to clear @ {$35.00} per instance totaling {$450.00}.
Consumer complaint received 2016-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (IL)

I took classes via a method I did n't understand in 2014. It was a vet difficult, online college program prepared by XXXX XXXX University. When classes were dropped, loans were not rebuked by financial aid and I think this is wrong. I am {$5000.00} in debt and I only passed XXXX classes -- I also only saw XXXX classes through. I do n't understand why I am not merely paying for those XXXX classes and the loans granted for them. What is the reason I have to pay for student loans for classes I did not complete? Loan is financed by Great Lakes. I had no understanding of loans and no family I could discuss them with but I believe that if I quick the class in time it is n't fair that I was still charged for loans that I never saw the light on.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY (CA)

I signed up for a credit card through Wells Fargo, who I have been a long term member. Well. I have noticed that I have been charged around XXXX dollars per month again because approximately 5 years ago, I called XXXX XXXX and have talked to my local bank who tell me that I must contact XXXX XXXX myself as XXXX XXXX is a third party member not affiliated with the bank. they said at that time they will canceled but they added to my account again, because I never ask for that type of services, let me know if there is any way I can get refund for all this years they are been taking money from my account.
Consumer complaint received 2016-06-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo employee XXXX, a Market Support Consultant violated my financial privacy when she provided account history for my home equity account to a third party and testified to the fact in open court without receiving consent from the account holder or acting on behalf of court subpoena. This occurrence took place XXXX XXXX, 2013 in the XXXX, Maryland. Room XXXX.
Consumer complaint received 2023-07-04
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. (GA)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2016-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Revenue Corporation (KS)

UNITED REVENUE CORPORATION IS REPORTING XXXX ACCOUNTS LISTED FOR A XXXX WHICH IS NOT ME. YET THEY KEEP REPORTING ON MY CREDIT REPORT WITH XXXX. I HAVE FILED A POLICE REPORT AND NEED THIS INFORMATION CORRECTED IMMEDIATELY. 

ACCOUNT # XXXX
Consumer complaint received 2016-07-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo, Home preservation ; To XXXX XXXX, and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) Fax : XXXX XXXX XXXX at XXXX extension XXXX To home it may concern at Wells Fargo , this is from XXXX XXXX Address is XXXX XXXX XXXX XXXX PA XXXX XXXX Partial account number is XXXX As I stated in my phone confirmation, I have done all that was asked of me and still being ignored in reference to my concern and request. The stress level concerning this matter continue to rise and affect my health. Know you tell me after I have proved your finding and your praises findings to be incorrect, You now want me to jump through more hoops to be able to get this matter corrected. When all it would take is to have your appraiser to go back and redo the appraisal the correct way, knowing full well that once he does this that the value of this property will not be as it was when done with the incorrect square footage. I am trying to work alongside of you to get this matter taken care of so that we all can move forward in this situation, But I guess you are choosing to drag it out so that you could move further along in the foreclosure process before you make another decision and have the necessary documents to be able to just force me out. 
This situation has caused me great level of stress which has also affected my health and my capability to be able to live a normal life.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

I 've tried multiple times to get a free credit report using XXXX and annual credit report and got the same problems for both saying that my information didnt match any records or any bureau records. I 've never signed up before and Iv'e never used my credit either.
Consumer complaint received 2023-10-09
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. (NY)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

My husband and I, who were separated at the time, were expecting a XX/XX/XXXX tax refund check of {$XXXX}. My husband received the check in the mail, which was addressed to XXXX XXXX ( myself ) and XXXX XXXX ( husband ) on XX/XX/XXXX, took it to Wells Fargo bank in XXXX, CA, and deposited it into his independent account. Above my husband 's XXXX ethics in this situation, the bank violated national regulations since it deposited the check without my signature. Wells Fargo even violated their own policy that stipulates that XXXX payees be physically present to sign when the check is cashed. The bank 's response was that they were sorry, but they could not stop the check and that I should call the IRS to have the check stopped. I was unable to get through to the IRS to stop the check.
Consumer complaint received 2016-12-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NJ)

Discover Card calls me up to 6 - 8 times a day. I always return the call when they leave a voice mail. I advised them I had an arrangement that I could afford and they told me I had to pay more. My other credit card companies accepted this arrangement but Discover keeps harassing me. I had to have my phone # changed already and I 'm thinking about changing it again. They found me this time but I will be more careful if I have to do it again. I almost claimed bankruptcy but would rather try on my own. However, I got ta do what I got ta do! Please advise.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo solicited an application for a Home Rebate credit card. The employee who solicited the additional business from us misrepresented the terms of the card. 

He clearly and repeatedly said that the card came with a {$0.00} balance transfer fee, and confirmed it in response to my written question. Here is a chronology of his contact with us. I have the complete records in my files. 

Wells Fargo credit card offer timeline XXXX XXXX, 2013 - Husband receives a call from employee in the XXXX office. [ We had never heard of him and had not been in contact with anyone about the matters he wanted to discuss. ] He reviews our current business and says he has a good offer that will save us money : Among an assortment of several other dubious offers, he said that we could transfer a portion of our HELOC to a new " Home Rebate Credit Card, '' for which we are prequalified because we are " such great customers. '' The credit card will be 0 % interest for 12 months. 

Husband says to call me ( wife ). 

XXXX XXXX, 2013 - After I turned down the other offers the employee offered a " Home Rebate Credit Card '' that will rebate a certain amount of cash against our home mortgage. The interest rate on the card would be 0 % for twelve months. I asked about the balance transfer fee. He said it is {$0.00}. 

He then asks about our retirement fund assets and proposes that we bring our statements in for a review. 

I ask to see the credit card terms in writing. He says he will email them. 

He sends an email requesting certain documentation for the credit card application ( which I donot send but he finds the information within Wells Fargo 's own records ) and including a credit card disclosure statement. The disclosure says that there is a balance transfer fee of 3 %. I emailed XXXX questioning the discrepancy between the {$0.00} fee he represented and the 3 % balance transfer fee in the disclosure statement. 

XXXX XXXX, 2013 - He emails back that the fee is {$0.00}, which he writes, " was in the offer and will be in the disclosures that are being mailed to you. '' I still did n't see the XXXX balance transfer fee in what he sent, but decided to wait and see what the disclosure that comes with the card will say. 

A week or so later - The card arrives. Not only is the balance transfer fee not {$0.00}, it is 4 % -- higher than the 3 % in the disclosure that was sent. I made several calls to Wells Fargo to inquire about the discrepancy and was informed that there were no 0 % balance transfer fee offers and that I must have misunderstood. 

In the end I made a huge fuss, wrote to the manager and cc 'd XXXX XXXX, among others and received " an exception '' to allow me a 0 % balance transfer. My problem was solved, but I wonder if similar misrepresentations were made to others.
Consumer complaint received 2017-02-12
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (GA)

I SAW PROMOTION FOR CREDIT CARD ON XXXX FOR WELLS FARGO CASH WISE CREDIT CARD ON XX/XX/2017. THIS PROMOTION WAS SHOWING THAT CUSTOMER WOULD SPENT {$1000.00} IN FIRST 3 MONTHS OF OPENING ACCOUNT GET {$150.00} & ALSO 1.5 % BONUS ON TOTAL PURCHASE. I SPENT {$1000.00} IN FIRST MONTH STATEMENT. I RECEIVED MY FIRST STATEMENT RECENTLY, BUT I DID NOT FIND ANY BONUS OF BOTH AS PER PROMISE BY WELLS FARGO. I FEELS THAT IT IS A SCAM BY THIS BANK. ALTHOUGH I FULFILL ALL REQUIRED CONDITIONS TO GET BOTH BONUS. THIS BANK WAS KNOW FOR LOT OF FRAUD IN MEDIA IN PAST. CEO OF THIS BANK APOLOGIES IN PAST IN SENATE AND MEDIA FOR THOSE FRAUDS.I DO NOT TRUST THIS BANK FOR MY BONUS.CUSTOMER SERVICE OF THIS BANK IS VERY BAD & RUDE.
Consumer complaint received 2016-09-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Miller, Stark, Klein and Associates (OH)

I contacted you three months ago regarding this company and their tactics. They have called my daughter and myself and left message threatening to send the police to my job and home with a subpoena. I do not owe this money. They are claiming this is in reference to XXXX debt. This is a debt likely purchased from XXXX but I filed bankruptcy year ago and do not owe this.I called and they called me names and have continued to harass me. They left multiple messages on my and my daughters phone claiming a complaint has been filed against me.I actually just received a check from a class action suit against XXXX. They also refuse to send written documentation of the debt
Consumer complaint received 2017-02-09
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Mark A. Leachman P.C. (CO)

I called up the collection attorney that has my file asked them to let me set up a payment plan. they told me I have to send over my pay stub that they will take 20 % of my wages I told them I am a single mother of XXXX I can not afford to do that I can pay them XXXX on the XX/XX/XXXX and the XX/XX/XXXX. they said that is not acceptable they just will get a judgment against me and see how I like it when they garn my paycheck. I really do n't believe this is fair the debt turn form owing XXXX to XXXX. I was told that they do not care how many kids I have of who I have to pay in bills. they just need there money. I told them im willing to pay how come they can not work with me on my terms. XXXX said because we do n't have to we do not care about your terms only to get out money.
Consumer complaint received 2016-12-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (TX)

XXXX separate Wells Fargo Banks in XXXX, Texas refused to cash a check written on a Wells Fargo account and I have an account at Wells Fargo since 1996. The XXXX at Wells Fargo Bank located at XXXX refused to cash this check from XXXX, XXXX which was written from their WF account to me and I have a history of depositing and cashing those checks. I also had available funds in my XXXX account to cover said check. I strongly feel this is fraudulent on the bank 's part. The XXXX stated that he could not verify the funds but I know for a fact that the check had already posted as " verified '' from XXXX because the accounts payable department does that automatically when the check is written and I spoke directly to that department when the XXXX stated no one could verify the funds. The XXXX stated my only option was to deposit the check and wait for the funds to be verified.
Consumer complaint received 2015-05-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO. (CA)

I had XXXX credit card accounts with Chase banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported XXXX accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, Chase bank has been given the tax write off but they are still reporting a full balance for XXXX account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for Chase bank, getting the tax write off and then still collecting the cancelled amount on XXXX accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.
Consumer complaint received 2015-07-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Meridian Financial Services, Inc. (CA)

It 's for a time share annual dues. The time share gave the debt because I forgot to pay back in XXXX when my credit card was stolen, which I reported. When IO finally got a reminder letter it had already been sent to collections around XXXX. Meridian Financial is the company collecting. The original debt was for about {$680.00}, Meridian wants me to pay {$1100.00}. The same person calls me, during working hours which I have asked him not to call during those times, and he states that he can not call me any other time to work out a payment plan or settlement. When I aske him not to call me during working hours he argues with me, that I should be able to take personal calls at work, and asked why I answered. I answered so that I could let him know that i need a call back after XXXX I believe my rights are being violated on XXXX fronts, I believe I 'm being overcharged for this {$680.00} debt, and calling during working hours, and harassing me at work. I have phone records for verification upon request.
Consumer complaint received 2015-12-20
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (AE)

Chase contacted me to apply for a credit card and promised that if I spent {$3000.00} within 3 months that I would receive XXXX XXXX miles as a bonus. Several months after I had fulfilled that spending requirement, they sent me a postcard that said I did not qualify for the promotion and would n't receive the promised points.