davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CO)

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Wells Fargo regarding the imposition of XXXX {$35.00} overdraft fees, totaling {$70.00}, on my account, despite my adherence to the banks communicated grace period. I believe these fees are unfair and were applied due to inconsistent and misleading policies involving time zones and transaction posting practices. 

Details of the Incident : On XX/XX/year>, I received a notification from Wells Fargo at XXXX XXXX  XXXX, informing me of a XXXX grace period to bring my account to a positive balance. The bank indicated that the deadline for this grace period was XXXX XXXX XXXX on XX/XX/XXXX, which differs from my MST time zone by XXXX hours. 

To meet this deadline, I deposited funds at XXXX XXXX XXXX on XX/XX/XXXX, which is equivalent to XXXX XXXX XXXX, successfully bringing my account to a positive balance. Despite this, XXXX overdraft fees were charged at XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ) on XX/XX/XXXX. 

Key Points of the Complaint : XXXX. Inconsistent Time Zone Usage for Grace Period and Fee Posting : The bank communicated the grace period deadline using XXXX but used XXXX  for the overdraft fee posting. This inconsistency created confusion, resulting in my account being charged overdraft fees even though I deposited funds within what I believed to be an adequate timeframe. 


XXXX. Acknowledgment of Positive Balance : During a conversation with a second-level supervisor, they confirmed, Your transaction was posted at XXXX XXXX XXXXXXXX, verifying that my account was in positive standing before the overdraft fees were applied. 


XXXX. Contradictory Posting Policy : The same supervisor stated that Wells Fargo posts overdrafts at XXXX XXXX, suggesting that the XXXXXXXX XXXX XXXX grace period deadline could not realistically be applied consistently. Without an adjusted deadline to account for the banks posting practices, customers like myself risk being unfairly penalized even after taking corrective action. 
Please note, that I am not bringing up the second second-level supervisor, XXXX, who was not only rude but very codascinding and needs to be trained in customer service.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-11-02
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)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE XXXX XXXX XXXX XXXX XXXX XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT.NOR THEREFORE ANY SUCH DEBT IN THE FACT THEREFORE EXIST. ( PLEASE REMOVE THIS ACCOUNT BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) 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 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
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (DC)

The company closed my account in XX/XX/year> and I've never received my funds they closed all accounts checking and savings and Credit Card account I only received XXXX and the remaining is XXXX from my credit card account it was XXXX in my checking I used XXXX to purchase a car that's it and XXXX in my savings! Please send my money this was from my mom I was her XXXX when she pass!
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: FC HoldCo LLC (VA)

Mailing Address Correction For Case #: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been attempting to obtain my free TransUnion Credit Report via XXXX for over 9 months and it has not been available despite me calling XXXX and TransUnion Credit Reporting Agency. I spoke with TransUnion on XX/XX/year> and the Customer Service department told me that they would refer my account to the account maintenance department and that it would take 5 days to process my account and that it would be available after that. I called back after 5 days and they could still not figure out why my credit report was not available for free through TransUnion website or XXXX. They both told me that they would send me a copy of my report in the USPS mail ; however, I told them that I still needed to be able to access my credit report on a weekly basis as required per Federal Law through XXXX. They closed my account on 3 occasions and had me restart my account though TransUnion with new Usernames and new passwords. I still am unable to access my free credit report through TransUnion Online and unable to access my free weekly TransUnion credit report through XXXX.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery is attempting to illegally collect debt. They purchased years ago. They continue to reset debt from years ago, which is highly illegal. The statute of limitations for debt in XXXX  is XXXX years. The debt they state is owed has exceeded XXXX years. They need to stop contacting me and dismiss this debt that they are illegally attempting to collect. They are breaking the law in Texas and I will proceed with legal action if they do not dismiss this within a timely manner. They are negatively impacting my credit.
Consumer complaint received 2024-10-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (IN)

I need assistance to verify why my escrow account has XXXX balance. I was sent notification XXXX to send in funds for escrow since balance was XXXX. I sent in {$670.00} to cover this. After reviewing my statements there is no explanation for why my escrow balance is XXXX. I start with balance of {$1400.00} XXXX this year. I do understand taxes and insurance increased. However the amounts increased from insurance and property tax does not match what they are charging. Also all the funds in escrow have disappeared. I have never been late on any payments. My mortgage was brought out from them years ago and I have been having issues ever since. Need a real analysis as I feel my escrow account has been drained for years from them.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (OK)

I contacted the lender Exeter Finance in regards to auto sales fraud perpetrated on me by a local dealership called XXXX XXXX XXXX in XXXX Oklahoma. I made numerous calls in regards to the lender and made multiple requests to rectify the situation due to being sold a vehicle that had severe leaks they did not disclose to me prior to the purchase of the vehicle. When I notified them of the situation I asked if they could delay payment for a month. Then I asked and demanded to cancel the contract. They have offered me no relief in a situation beyond my control due to the actions of the dealership. So I forwarded them and the dealership a final demand letter with documentation that shows the dealership not only not disclose the defects that were major they then fabricated a report that claimed there were no leaks 7 days after purchase and a service appointment but that the vehicle sustained severe hail damage by a hailstorm on the XXXX of XXXX while it was on their lot again due to the leaks being discovered by a third party inspection after they reported no leaks were there on the service call on the XXXX of XXXX. 
The third party inspection was done three days later. They had the vehicle from XX/XX/year> to finally address the leaks that weren't disclosed during purchase. They kept the vehicle for 20 days before they returned it for repairs that only required several hours to do. But while in possession of the dealership while they procrastinated fixing the vehicle due to the undisclosed leaks and or perpetrated auto fraud. I had asked for assistance with my contract and was told it was reported I was retired. I told them I didn't report I was retired. I was denied my requests for any assistance on the loan be it modifying payments or even cancellation of the loan on the XXXX of XX/XX/year>. The dealership had parked the vehicle at a different unsecured location other than where I took it to them for service on the XXXX of XXXX. I removed my insurance while the vehicle was in their care at the XXXX service center XXXX blocks away. And that's where it sustained a full impact of a hailstorm on the XXXX of XX/XX/year>. Both the dealership and the finance company have refunded to have the vehicle assessed by their insurance companies and the dealership tried to get me to file a claim on the vehicle after I told them that I had removed my coverage while it was in their care. I have submitted documentation in a final demand letter fom both the dealership and the finance company and let them know I plan to file a claim. 
I may have left somethings out but I'm very exhausted from this and it's very stressful.
Consumer complaint received 2024-10-23
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (GA)

Ive reported RADIUS GLOBAL SOLUTIONS, on numerous occasions for their abusive and fraudulent means of attempting to collect debts. In the past Ive had them removed for an account that was not mine. When all proceedings should have ended. They resubmitted their alleged debt. Upon disputing, again, they forwarded myself as well as credit bureaus with fraudulent documents to support their verification of an alleged debt owed by me. When confronted via phone about fraudulent documents, they immediately removed the account, but as mandated and supported by the FCRA and FDCPA, in lieu of complying and compensating me for the injuries both my business and person sustained. They went about delays, and further malfeasance ; including but not limited to, veil threats of future attempts at illegal collection. I have documents I will be submitting from said company to further this complaint.
Consumer complaint received 2024-10-24
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)

This message is to highlight concerns with my credit report, such as incorrect account records, a collection I do not recognize, unauthorized inquiries, and inaccurate reporting. I am seeking your help to address these issues and protect my financial well-being.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (GA)

XXXX XXXX XXXX, a debt collection agency, was sent, received, and acknowledged the cease and desist order issued by the consumer. On XX/XX/scrub>XXXX XXXXXXXX XXXX XXXX, violated the cease and desist order and transferred/sold the consumer 's non public personal information to another third party debt collection agency, Credit Control , LLC.
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Company repetitively calls harassing over payment and refuses to take any information from me. Settlement is to be reached by co-signer, and the company uses threatening tones when I am trying to explain and work through the situation.
Consumer complaint received 2022-01-26
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: DISCOVER BANK (NC)

The company has violated my FCRA many times in which is a violation of my rights!!! I have reached out to the executive office and still did not get the proper resolution. I also sent proof of these FCRA violations, and the creditor still did not take proper action. I have reviewed different reports from XXXXpresent and there are multiple FCRA violations that the creditor has violated!!! Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of my credit information. Reporting a balance after the account is paid off in full is a FCRA violation. Reporting different account statuses, balance, and payment history among all 3 credit bureaus is a FCRA credit violation.

According to section 607. Compliance procedures [ 15 U.S.C. 1681e ] Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. 

This company has violated this FCRA section and is obligated to remove this account per my request! Not complying with the FCRA can subject this company to statutory damages of $ XXXX {$1000.00} per violation.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2022-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (CO)

I have had a Kabbage checking account since last year and earlier this year I saw an offer on their website that offered {$200.00} for applying for a business loan and getting approved. I applied and they declined the application due to some issue ( I can't remember ) but in XXXX I received an email from them stating that they were unable to determine if my credit reports were unfrozen ( email attached ) and that they were reinviting me to apply by XXXX XXXX. When I called today asking about not receiving the {$200.00} bonus, the rep told me that I had not linked my account by XXXX XXXX and she said that this was mentioned in my welcome email upon approval and there is no such thing in my email ( attached ). Upon reviewing further and the original offer sheet I had saved, I noticed that this specific condition is something that they have added to the terms after merger with American Express some time in XXXX ( it was not in the original terms - attached ). However, it still does not matter in my case because when I reapplied in XXXX, I could not proceed with the loan application without first linking my American Express XXXX XXXX account - I think my old linked accounts ( XXXX, XXXX XXXX  ) were inactive and had low balances and so I linked my American Express XXXX XXXX account during the application process - as I recall, the system wanted me to link a business checking account before proceeding with the application and it was stated somewhere that they review/analyze the history in the linked checking account before approving the application, and only after linking the Amex checking account, the application went through. So the Amex XXXX Checking account was and has been linked before the application was approved and and I have not made any changes since then.
Consumer complaint received 2024-10-23
Product: Credit 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: Paypal Holdings, Inc (FL)

On XXXX XXXX I was a victim of online fraud. As such, I submitted a payment via PayPal for {$400.00}. Immediately the same evening I contacted PayPal via phone and alerted them that this was a fraud. I heard nothing back from them despite alerting them. When I called in I received a recording that the transaction was under review, but no one acknowledged the telephonic report I made about this being fraudulent. I also filed an online dispute. Despite this, PayPImmediately after this transaction I reported to PayPal that this was a result of fraud. On subsequent conversations with PayPal customer service representatives I was told to have my bank decline the transaction, which they did, and PayPay would not be out any money and I would not owe anything. I followed the customer service advice and now they are showing a deficit on my account for the amount of the fraudulent transaction. Despite my warning they paid the fraudster the money on the XXXX of XXXX, a day after I alerted them to it. I can not understand how PayPal wouldn't have first contacted me for additional information before making a decision, especially since I alerted them right away and, on a recorded message to PayPal, I was notified the transaction was disputed. I have also reported this entire fraud incident to the FBI for investigation. This was clearly a fraud that should have never proceeded until a ) someone from PayPal contacted me ( which no one did ), and b ) until my bank approved the transaction, If PayPal approved the transaction given these circumstances then they are enabling fraudulent activities. Plus, the first customer service representative I spoke to was of no help, and she didn't seem to comprehend what I was saying. Today when I contacted customer service again, they just gave me rote answers on how to conduct future payments ( which I will never use PayPal again ). They were of no help and refused to answer my question why PayPal proceeded with the payment despite my timely warning.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-11-02
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. (GA)

These following accounts do not belong to me and reports were made already. My identity was stolen and I have tried several attempts to get these accounts removed as they do not belong to me. I have asked for proof that they belong to me and it was not given. I have attached an identity theft report with further details. The credit companies are also breaking several laws which I will include in here. Account XXXX XXXX XXXX, open date XX/XX/XXXX, XXXX. Account XXXX XXXX XXXX, open XX/XX/year>. These are two of the same account that dont belong to me. I would like proof that these accounts belong to me from the company reporting them. Account XXXX XXXX, open XX/XX/year>. These accounts do not belong to me and was involved in my identity being stolen. Laws, under 15 USC 1692g. validation of debts. under 15 USC 1681c-2. block of information resulting from identity theft.