davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (AZ)

I have a complaint against Wells Fargo Bank. 

I gave XXXX my bank account number and routing number to withdraw money on a certain day. 

When that day came, I did not have money in my account. Wellsfargo charged me {$35.00} for not having money. XXXX tried to take money from my accoutn continuoisly every day. It has caused XXXX to XXXX times {$35.00}. When I called Wells Fargo, they refused to refund the whole fee. I earn $ XXXX as a XXXX. Paying {$140.00} out of my meager income in Wells fargo fees is over whelming. 

The bank is practicing lack of compassion and poor judgement in this punitive act. 

Please have Wells Fargo refund the {$140.00} to me. Thank you. 

XXXX
Consumer complaint received 2023-08-03
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 (PA)

We have tried multiple means of rectifying this issue with Wells Fargo ( WF ) First with direct contract with them, then hiring an attorney to no avail. Now via this Organization which was assigned complaint XXXX. WF supposedly responded via contacting me, there was no contact between me and them. Again WF is not being totally truthful like they have been with this entire process. Due to fraudulent activities more then {$22000.00} was stolen from our accounts. Again WF is not honoring their proper business practices This is evident because this site has been developed and judges order for them to repay consumers money fraudulently taken from them.
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I applied for the new REPAYE/SAVE plan for my Federal Student Loans. 

According to my calculations and those from a trusted site using their calculator, the payment amount that was given to me is not correct. I was told my new monthly amount would be {$250.00} but according to my XXXX the payment should be $ XXXX. 

I understand that there have been miscalculations so I want to get mine corrected. I will also be reaching out to Mohela.
Consumer complaint received 2023-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

Dear Consumer Financial Protection Bureau Representative, I received an alert from XXXX and XXXX credit monitoring that Medical Data Systems INC has reported a negative item regarding an alleged debt. I have reason to believe I do not owe this debt to this company. 
Under The Disputed Debts clause of the Fair Debt Collection Practices Act, I am allotted XXXX to dispute any alleged debt in writing. Also, request that the collector provide more detailed information about the debt and documentation showing that they have verified that they are in fact owe the alleged debt. It also states, until the collector provides this written verification, it may not continue to collect on the debt or seek judgment in court or report any negative items to the credit bureaus ( i.e. XXXX, XXXX, and XXXX. 
However, my rights have been violated since Medical Data Systems INC did not notify me of this alleged debt nor allow me, as the consumer, the opportunity to gain knowledge, investigate, or dispute this item I am unaware of.

I am seeking your assistance in immediately having Medical Data Systems remove the negative reporting from the credit bureaus and discontinue any adverse and negative reporting on this item until the following are provided : I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgement ; 4. Documentation showing you are licensed to collect debts in GA.

Because I am writing in assistance to help enforce my rights within the Fair Debt Collection Practices Act, please have the company cease attempting to collect this alleged debt until after they have provided the requested information. Upon receipt of any of requested information, I request 30 days to respond. Also, please ensure the creditor and the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-10-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to address a pressing concern regarding my credit report and its accurate representation of my credit history. 

In response to a previous complaint lodged with the Consumer Financial Protection Bureau ( CFPB ), XXXX conveyed that Capital One, the creditor in question, verified the correctness of the current and prior payment history. Despite this verification, my XXXX credit report is conspicuously missing this critical revolving account and the associated credit history. ( " CAPITAL ONE THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY '' taken directly from XXXX 's response ) I took the initiative to provide a comprehensive history of this account, from its inception in XX/XX/XXXX to XX/XX/XXXX, furnishing all the necessary documentation. However, I was disheartened when XXXX declined to update my payment history and, to my disbelief, purportedly removed the file, despite acknowledging their communication with Capital One regarding the payment history. 

I am compelled to resubmit a complaint containing every monthly statement from the account 's initiation until XX/XX/XXXX. This marks the second instance of presenting XXXX with the indispensable information needed to accurately update my credit report. 

The distress caused by this ongoing ordeal is palpable, affecting not only my health but also my creditworthiness, amplifying financial strain by hindering the growth of my financial profile. 

I urgently seek a thorough review of this matter, prompt rectification of my credit report to reflect the accurate credit history, and swift confirmation of the resolution. 

To ensure transparency and collaborative resolution, I am including Capital One in this communication. I have diligently furnished every monthly statement from the account 's inception in XX/XX/XXXX up to XX/XX/XXXX, as evidence of the accuracy of the payment history. It is perplexing and concerning that my efforts to rectify this issue have not resulted in the anticipated update of my credit report. 

I kindly urge both XXXX and Capital One to collaboratively review this matter comprehensively. Accurate credit reporting is paramount to my financial standing. 

Thank you for your immediate attention and cooperation.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. I hereby CONTEST THESE CLAIMS DUE TO THE ABSENCE OF SUBSTANTIAL FACTUAL EVIDENCE TO SUBSTANTIATE YOUR ALLEGATIONS. Therefore, I strongly urge you to promptly COMMENCE A COMPREHENSIVE INVESTIGATION INTO THESE MATTERS WITHOUT DELAY. XXXX XXXX XXXX XXXX. Please remove this account ASAP.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (CA)

Unresolved Identity Theft Incident Resulting in Fraudulent Charges and Credit Report Discrepancies Dear CFPB Agents I hope this message finds you well. I am writing to express my deep concern and frustration over fraudulent activity that has adversely impacted my credit report. 

A few months ago, I fell victim to an identity theft incident wherein my XXXX login credentials were stolen and subsequently disseminated on dark web markets. This breach led to unauthorized charges on all the cards linked to my Apple XXXX, including a particularly significant fraudulent charge on my Apple Credit Card issued by Goldman Sachs. 

The account details for the fraudulent charges are as follows : Account Name : APPLE CARD/GS BANK USA Account XXXX : XXXX The total unauthorized charges on this account alone exceeded {$100000.00}. 

Upon discovering these fraudulent activities, I promptly filed reports with both the local police department and the Federal Trade Commission ( FTC ). Copies of these reports were forwarded to the major credit bureaus XXXX, XXXX, and XXXX as part of my dispute process. 

Despite my earnest efforts to resolve this issue and numerous disputes submitted, I regret to inform you that these credit bureaus have yet to adequately address my concerns. Not only has their response time significantly exceeded the 30-day period stipulated by law, but I also believe that a thorough investigation into my case has not been carried out. Consequently, the fraudulent Apple card is still unjustly affecting my credit report. 

Given the severity of this issue, I am now turning to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you can facilitate a proper investigation into this matter. I am keen to get this fraudulent Apple card removed from my credit report promptly to prevent further damage to my financial wellbeing. 

Thank you for your attention to this pressing issue. I am looking forward to your prompt response and assistance in resolving this matter. 

Yours sincerely, 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 2023-07-03
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: EQUIFAX, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 2023-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (TN)

We entered into an agreed judgement with XXXX XXXX in XX/XX/. I made my first payment via their website on XX/XX/XXXX. I emailed them on XX/XX/XXXX and they said that one of the payments bounced. We had enough funds in the account to cover the payment. I contacted our bank and they said that XXXX XXXX never attempted to withdraw the {$300.00} payment and that there was no XXXX history for the transaction. XXXX XXXX said that I would need to overnight cash, cashier 's check or money order. I didn't feel comfortable sending a payment this way. I attempted to make another payment on line on XX/XX/XXXX and XX/XX/XXXX and they told me those bounced as well. My bank once again said that they never attempted to run the payment. I've read several complaints on line that they have done this exact same thing to other people. They also sent no warning that they were going to begin wage garnishment. I've tried calling them and emailing them to work something out and I don't get an answer or a reply. I've also read that they work for loan sharks in New York. This company should not be allowed to practice law.
Consumer complaint received 2023-07-11
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-19
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. (DC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

Hi find it unethical that Chase Bank continues to charge a {$12.00} per month fee for the inability to carry at least {$1500.00} in a checking account with them. It is not ethical for the bank to profit each month through this, I am trying to save money, and they are assessing this monthly feel. I do not meet the waiver criteria ; as I am self-employed and do not have a check direct deposited into this account. I have had great customer care over the years and have maintained a good business relationship to this point ; however I do not feel this is fair practice.
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Happy Money, Inc. (CA)

I am writing to file a complaint against XXXX XXXX XXXX ( " HM '' ) for violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ) and 12 CFR 1006.14 ( h ) ( 1 ). 

HM is a credit services organization and as per their own admission, they act as an intermediary between a XXXX XXXX and the consumer, and do not extend credit directly or indirectly. This role, coupled with their admission of being a debt collector, brings them under the ambit of the FDCPA. 

On XX/XX/2022, I sent a certified cease and desist letter to XXXX  ( Certified Mail Tracking # : XXXX ), asserting my rights under 15 USC 1692c ( c ) and requesting that HM communicate with me solely through written mail and only when the communication pertains to my remedy. 

Despite my explicit request, HM has continued to breach the guidelines set by the FDCPA. They have recently sent me 3 emails concerning the alleged debt, which is a clear violation of 12 CFR 1006.14 ( h ) ( 1 ). Additionally, they continue to report to my credit report, which according to the definition of " communication '' under 15 USC 1692a ( 2 ), constitutes an indirect conveyance of information about the debt.

15 USC 1692a ( 2 ) as it states " The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' I believe these actions by HM are a clear violation of my rights under the FDCPA. According to 15 USC 1692c ( c ), a debt collector must cease communication upon the consumer 's request, except for specific circumstances which XXXX has not adhered to. In addition, per 12 CFR 1006.14 ( h ) ( 1 ), a debt collector must not communicate or attempt to communicate through a medium the person has requested not to be used.

I respectfully ask the CFPB to investigate these practices and take appropriate action to protect my rights as a consumer. I am ready to provide any additional information that may be necessary for the investigation.
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-19
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

I maid a payment to a credit card company, for XXXX XXXXXXXXthe payment was returned to wells fargo bank XXXX and the refused to give me my money back..I have proff that I made the payment, but wells fargo deleted the payment from my checking account, and my wells fargo bill payment, statement!!! .I reported this information to the XXXX  police department XXXX while the case was being investergated, by the police depart, the police department investergators allowed well fargo to go into my chenking account ending XXXX and the allowed wells fargo to back into my account, and post two payments back in XX/XX/XXXX for {$790000.00} and ater they sent the statement to the police department they delited those, I can prove that all these transaction, was done while the cased was investergated. i want to file this complaint aganst wells fargo and the XXXX police department.
Consumer complaint received 2023-09-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (CA)

I finally used XXXX to track down the debt collection agency. Turns out XXXX billed me AFTER I canceled my service and moved to a different state. 

They gave the collection agency the wrong phone number for me and never sent mail to my old address ( I had it forwarded ). 

All they did was throw a {$97.00} charge on my credit report, where it's now destroying my ability to get a mortgage. 

I tracked down the collection agency and PAID them. Attaching proof.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX XXXX, are verifying that I XXXX XXXX XXXX is mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed