davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (TX)

I deposited a XXXX XXXX XXXX claim check through an ATM. My mistake was I forgot to endorse it. Deposited XX/XX/year> for {$9700.00}. When trying to get a cashiers check to pay the shop and pick up my car, wells fargo says they can not give me those funds due to the check being unendorsed. I run the risk up to 3 years that XXXX XXXX  can pull it back. 

I reached out to XXXX XXXX so they can pull the check back but are unable too due to the funds being deposited in my account. 
XXXX XXXX to help with the situation sent over a letter stating how Wells Fargo can return the money so they can resend another check. 

I am on my 2nd escalation case as the first one was closed on XX/XX/XXXX with no resolution. 

My car has been ready for pickup since XXXX and I am still waiting for support from Wells Fargo. They told me I should hear something by XXXX XXXX. This is impacting me financially. I have never felt so helpless. Ive been to XXXX different banks, called various support numbers and filed XXXX cases and I am still without an update. Is legal action required for an unendorsed check?! 

FYI the check was named out to me, not Wells Fargo.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (CA)

Dear Atlantic Recovery Solutions LLC, I am writing to formally address the numerous phone calls and text messages I have received from your company regarding an alleged debt to XXXX XXXX XXXX. I want to bring to your attention that these communications are not only unwarranted but also threaten legal action, which is illegal under California law. 

I am demanding that you immediately cease and desist all communication regarding this matter. The debt in question has been disputed with XXXX XXXX XXXX due to services that were promised but not delivered. As a result, I consider your attempts to collect this alleged debt to be both misleading and unethical. 

Furthermore, I have come across numerous complaints from other individuals regarding similar practices employed by your company. This pattern of behavior raises serious concerns about the ethical standards you uphold in your debt collection practices. 

If communication does not cease immediately, I will not hesitate to seek legal remedies available under the Fair Debt Collection Practices Act ( FDCPA ). 

Please acknowledge this request and ensure that all future communications regarding this matter are halted. I expect a prompt response confirming that my demand has been received and acted upon. 

Thank you for your attention to this matter.
Consumer complaint received 2017-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (CA)

-New mortgage loan with Stearns/  XXXX     XXXX , insurance was paid through my escrow account.    XXXX  I paid my mortgage insurance in full directly to my insurance provider for a full year for the dates  XXXX . I provided  Stearns  with the information and a copy of the receipt showing the mortgage insurance was paid in full and requested the insurance to be removed from escrow and to stop billing me for insurance.   -I have emailed, submitted to their website, mailed through the  USPS , had my insurance provider contact Stearns and I have called 10 tim es submitting proof that the insurance was paid in full. Each time I speak to someone they say it 's being researched and has been escalated for resolution and each time they give me a resolution date which passes with no change to my bill.    XXXX   Stearns sent me  a paper bill, Annual Escrow Account Disclosure Statement, stating that I have an escrow shortage of {$1000.00} due on  XXXX / XXXX /  XXXX   in addition to my regular mortgage payment due  XXXX / XXXX /  XXXX   and yet still including a portion to go to the escrow account to cover my insurance payment ( which they acknowledge on the phone that they see I 've paid ). I can not get an explanation on why there is an escrow shortage nor have they fixed the escrow issue. I paid {$870.00} directly to the insurance provider which should change the escrow shortage or overage.    XXXX / XXXX /  XXXX   - The customer service rep I spoke to said complete resolution by  XXXX / XXXX /  XXXX  .    XXXX / XXXX /  XXXX   - I checked the website and my account has still not been updated. The customer service rep said he sees all the times I 've called and said someone will call me next week " maybe Monday or Tuesday ''. He has " reescalated the escalation ''.   -As of today, they are still billing me for insurance. It has been  two  months since I paid the insurance in full and Stearns is still billing me for it and they are also billing me for an escrow shortage of {$1000.00} for a loan I have only had about 8 months.   -My monthly bill has been {$1900.00}. The statement sent to me says if I do n't pay the {$1000.00} shortage my new bill will be {$2100.00} and they have not taken into account the {$870.00} payment directly to my insurance company.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I had a late fee charged to my account XX/XX/24 in the amount of {$30.00} and interest in the amount of {$3.00}. I requested the fee be waived via a secure message to Citicard 's customer service. I thought that had been taken care of but realized it was not when I was charged another late fee of {$33.00} on XX/XX/24 and interest in the amount of {$.00}. I contacted Citicards on XX/XX/24 to again request one of the fees be waived. That request was again denied but I was given a number to call to speak with a XXXX. On XX/XX/24, I called XXXX and requested a XXXX. I rep said he would look into it for me after which he said again, he couldn't do anything for me and that I needed to pay the entire balance of {$68.00}. I told him I am willing to pay one of the fees but it feels like getting a late fee charged for a previous late fee is both unethical and illegal. He said sorry but nothing he can do. I unfortunately was not given the opportunity to speak to a XXXX. I also find it odd that the late fee for the month of XXXX was exactly the same amount as my balance from XXXX.
Consumer complaint received 2017-07-17
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. (CA)

I have repeatedly asked for an update to credit report with all   XXXX   credit bureaus in regards to  XXXX  reporting on my credit report. It is now  XXXX  2017 and the account is not reporting as " Included in bankruptcy '' This is an ongoing issue. I do not understand why I have   XXXX     XXXX    accounts reporting on my credit report anyhow. They are all the same account, I only had  XXXX  loan with them but because I refinanced with them for the same account they listed another account. The account was sent to collections after my bankruptcy was filed, However, the collections account removed item from my credit report, stating they did not have knowledge of my bankruptcy before the account was sent, their resolution was to remove it.   XXXX   sent my account to collections after I filed for bankruptcy, knowingly aware of the status yet they violated my rights nonetheless. This is very frustrating and regardless of the attempts with the credit bureaus and CFPB also investigating, I am not getting any results. I have several investigations into this matter filed and saved and will have to pursue a different avenue if the issue is not fixed.   XXXX   is in violation of the bankruptcy laws and no one seems to care. They reported my account late with a balance up until the past 2 months as " OPEN ''?????
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (IN)

I am writing to ask if you could verify the debt you claim I owed, as I am entitled to under the Fair Debt Collection Practices Act. 

Please provide me with the following information : 1. The amount of debt.

2. The name of the original creditor.

3. Verification of the debt, including any relevant account numbers.

4. A copy of any judgment, if applicable.

Please send me this information within 30 days. Until I receive this validation, I would like to ask you to stop all collection activities.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (AK)

I moved out of XXXX XXXX XXXX around XX/XX/XXXX. I cleared everything out, I gave them my XXXX XXXX XXXX XXXX and told them I was leaving due to those orders. I was paid up on my rent. I moved out and they sent me another bill because they said I needed 30 days advance when I gave them a copy of orders. I refuse to pay that rent because I was not living there, I had nothing there, no utilities there. As a result based on what I have been told and it has been almost 2 years now and I have no proof of the debt. A debt that apparently includes multiple late fees, a rent charge, damages, and an early termination fee. Knowing how I left that apartment the only charge for that final bill should have been for the carpet damage that I do acknowledge that my cats at the time had damaged. This is all been handled in my opinion very illegally and violated my rights as a service member and broke a clause in my lease for the " early termination '' due to orders. I have asked for a debt validation letter from the first company they sent to me and I never received it and as XX/XX/XXXX another collection company called me about the same debt and said I had one day to pay the full debt of around {$2100.00}. I'm not touching this debt until they fix their mistakes and I will be more than happy to court over this situation if that is needed.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/year> I received a notice on my Wells Fargo online account that my checking account is going to become dormant with a {$19.00} balance and was informed that I have to stop into a local branch to close my account and recover my funds and if I wanted to collect the funds before it became dormant, or I had the option of reaffirming my account and keeping it. I went to the local branch to close my account and collect my funds only to be informed that I had to file a form that would be mailed to me. I never received such form. Now Wells Fargo has closed this account and made it dormant and is asking me to go to a branch AGAIN to repeat what I have already done! I am being given the run around, I want my cash! It's mine, give it back!
Consumer complaint received 2023-05-22
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. (TX)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

A week ago ( XX/XX/2024 ) I tried to send my XXXX on coinbase to my other wallet and Coinbase immediately locked my account saying they need time to review and blocked me from doing anything with my own money which is worth around $ XXXX saved on Coinbase. I've been patiently waiting for a week and today ( XX/XX/XXXX ) I called their customer service and was told that they don't have a timeline regarding the review.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (CA)

I recently review copy of my credit report and notice i had fraudulents account on my credit report.Please remove these accounts from my credit report. they are hurting my ability obtain credit. 

AMERICAN EXPRESS XXXX on XX/XX/2024
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I disagree with the account listed below which still appears on my credit report, even after Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2017-05-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

I 've been having trouble with false information and negative interactions with Navient phone operators. I set up a payment to be made  in  XX/XX/XXXX and for some reason it was never taken out. I did my part and yet it was still never taken out. Then my cosigner started getting threatening calls even though I was told that she would not be contacted anymore since I had started a payment plan back in  XX/XX/XXXX . She  paid some towards the loan and yet the phone calls did not stop. Yesterday I received a call while at work so I was n't able to answer it and it went to voicemail. On the voicemail that I have saved on my phone, the operator did n't realize she was leaving a message and can be heard mocking my lack of payment with a co worker. Also yesterday I spoke with a woman who gave me good, but confusing, information and said that I would need to call back to make a payment since I could n't make one within the next two weeks but that the phone calls would stop for a week. This morning I received a call from a very rude man who would n't acknowledge the fact that I had spoken with someone yesterday about this very topic and that she said the calls would stop.     Needless to say, this is a very stressful situation and I 'm becoming very annoyed with the treatment I 've received.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IN)

Regarding the account, ending in XXXX. On XX/XX/2022, I wrote Citi about the referenced account, ( a copy is attached ). I asked them to put into dispute two charges from XXXX XXXX totaling {$540.00}. I did not receive a reply and Citi continues to bill me. On XX/XX/2022, at XXXX XXXX  I called Citi. I spoke with Customer Service. The lady I spoke with assured me credit for the two charges, interest, and late charges would be credited within 2 or 3 business days. I wrote Citi again on XX/XX/2022 ( copy attached ). In the XX/XX/XXXX letter I pointed out the time limits in the Fair Credit Billing Act, and they had exceeded those time limits. Again I received no response to my letters other than collection efforts, which I continue to receive. XXXX XXXX  XX/XX/2022, received as collection call from Citi. I read to her my letter of XX/XX/2022,. She referred me to the Fraud department, they referred me to Customer Service. Customer Service referred me to Billing Disputes I spoke with XXXX. XXXX in Billing Disputes said the problem was I had disputed the charges in a letter. The correct way to dispute charges was by phone. On XX/XX/2022, I received a collection call from Citi. They transferred me to the dispute department. The Gentleman I spoke with said the dispute was closed because they had not received the requested documentation. I assured him I'd never gotten a request for further documentation. He said he would reopen the dispute. I told him I had never received an acknowledgment of the dispute. At XXXX XXXX  on XX/XX/2022. I receive a collection call from Citi stating the account was 2 months past due. I talked to collections and I told them I had disputed the charges. Collections transferred me to Citi 's Fraud Department. Fraud attempted to transfer me to the Billing Disputes department. Fraud Department came back on the phone and said Billing disputes were closed today. XX/XX/2022, at XXXX XXXX  I phoned Citi. I automatically was transferred to collections. Collections transferred me to Security where I spoke with XXXX. XXXX XXXX XXXX said she would check with billing disputes. She transferred me to XXXX in billing disputes. XXXX in billing disputes said she is going to resubmit to get the charges under investigation. I continue to receive collection efforts and past due notices I continue to receive collection calls, emails, and text messages from Citi attempting to collect. To the best of my knowledge, these items have not been put into dispute and investigated by Citi. 

I've scanned most correspondence, but I'm unable to scan and submit the frequent collection o text messages I've received from Citi.
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (FL)

I applied for and received a  Barclay Cash Master Card i n or around   XXXX   XXXX  . I have a {$20000.00} credit balance approval. On   XXXX   XXXX   XXXX   I purchased a new automobile and charged {$5000.00} of this purchase on my  Barclay Cash Master Card. It was rejected. I called immedia tely from the dealership to  Barclay Master Card ... .... Barclay Master Card stated that I have been issued a new   card and the  one th at I attempted to use is not valid. I have only had this card for approximatel y five mon ths. I informed the  Barclay Master Card pho ne representative that I have never received a new card nor have I been notified that a new card had been issued to me. I was told by this Representative that the card I have in my possession was not valid. That terminated our conversation. I then used another credit card and my {$5000.00} was accepted The following day I called to make a complaint at  Barclay Cash Master Card.  My phone call was transmitted to a representative regarding my complaint. I explained the above situation to her. She informed me that when I placed my credit card from  Barclay Cash Master Card into the machine to charge my account,, the dealership did   not " follow through '' correctly.. I informed her that I did call on Friday   XXXX   XXXX   and I received a different explanation.. Her only response was that they have a record that I called.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Permission to use my identity and to report any of my personal information was not granted to any of the following companies. 

Hard Inquiries : 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 Account : XXXX XXXX XXXX {$320.00} Account : XXXX XXXX  Bank XXXX Total fraudulent amount : {$130.00} Account : XXXX XXXX Bank XXXX Total fraudulent amount : {$93.00} Account : XXXX XXXX Total fraudulent amount : {$600.00} These fraudulent accounts are a violation of my rights according to 18 U.S. Code 1028A - Aggravated identity theft which states ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Despite numerous attempts to get XXXX, XXXX and Transunion to clear them from my consumer report, my rights continue to be violated and my life negatively impacted. I demand for these items to be removed from my report immediately and updated reports mailed to my current address.