davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (GA)

On XXXX XX/XX/2023 I made two payments in the amount of {$110.00} and {$200.00} to my XXXX XXXX cards. The funds were to be withdrawn from my Navy Fed checking account. On XX/XX/2023 when the funds were presented I didnt have enough to cover both transactions so I was charged {$29.00} for Insufficient Funds twice. Once I discovered I didnt have enough to cover on XX/XX/2023 I immediately deposited {$300.00} into my account. which brought my acct to {$290.00}. XX/XX/2023 The {$110.00} was represented. on XX/XX/2023 When I looked at my account again I realize I didnt have enough to cover the {$200.00} so I deposited {$45.00} which brought my account to {$220.00} on that same day Navy Fed charged me with another {$29.00} Insufficient Funds fee however my account had enough money to cover the charge. On XX/XX/2023 I deposited another {$100.00} in my account which brought my account to {$290.00}. On XX/XX/2023 Navy Fed yet again charged my another {$29.00} Insufficient Funds. 

I accept that at first I didnt have enough to cover my transaction, however I attempted to correct the issue by making deposits. As a consumer who have limited funds and attempting to pay my bills on time, it was disheartening to see {$110.00} being deducted from my account. How am I able to have enough if the bank continues to charge multiple Insufficient Funds for the same transaction? I believe this unfair to the consumer and its really causing me mental distress and other emotional issues.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Kikoff Inc. (MI)

after meeting all the requirements to obtain kikoff 's advertised {$200.00} cash bonus promotion several months passed and the company still hasn't honored the advertised promotion. i contacted their customer service number at least 20 times and i received the same answer each time. they say that they have no access to any of my information and that id have to contact kikoff through XXXX to which i have done dozens of times and with the exception of the automated email saying " we got your message '' kikofff has only responded 1 time saying that they needed to escalate the issues. that was months ago. since then I've contacted customer support who just tell me they have no info and to email them so i do and they never respond. below are the disputed amounts and dates that Kikoff owes me the money for, has an obligation to and a fiduciary duty to honor and has still not paid me for. I find it very hard to believe that there's not a federal regulation requiring financial intuitions the maintain deposit accounts, checking accounts, loans and credit cards somehow have no way to realistically contact the company and effect a resolution. i'm sick and tired of kikoff just passing the buck or kicking the can down the road by telling me to email some bs address that never replys. now im sure {$720.00} means next to nothing to them, but for a person afflicted with a total and XXXX XXXX who's only income is a ssa monthly benefit {$720.00} to me can be the difference between life and death 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 2023-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I received an alert on my credit file that a company had reported false information that I owed a debt to the company ENHANCED RECOVERY CO L XXXX XXXX XXXX, XXXX, FL XXXX, had reported that I owed a debt they had not contacted me by mail phone, or email when I tried to contact them the phone number listed just ran and hung up. This is not my account nor do I know anything about it they are violating the Fair Collection Act and need to be fine!
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (UT)

I purchased my home on XX/XX/XXXX and on XX/XX/XXXX of XXXX my loan was transferred to Mr. Cooper for servicing. On XX/XX/XXXX a letter was sent informing me that my insurance coverage was insufficient and that a policy would be purchased on my behalf. Beings that Mr. Cooper is impossible to reach by phone I submitted a inquiry online, through the insurance web site provided and e-mailed a copy of my declaration page. According to their record my insurance policy term was from XX/XX/XXXX to XX/XX/XXXX of XXXX and my insurance was expired. I didn't even own the home during this period and my insurance coverage actually began 7 days prior to actually closing on the home. I have sent in the information on several occasions and have now received notice that forced placed insurance will be purchased due to compliance. I haven't even made my first payment on this loan to Mr. Cooper and they already can't keep accurate records. I also haven't owned the home even 30 days nor has my insurance coverage changed or been cancelled. This also includes that my first year premium was paid on my homeowners policy at closing.
Consumer complaint received 2018-08-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KS)

My name is XXXX XXXX. I had a loan from Wells Fargo Loan # XXXX for property address XXXX XXXX, XXXX, KS. It has come to my attention that Wells Fargo has a foreclosure settlement. In 2007 I missed one payment and was working on a loan modification for the loan. Wells Fargo used unfair practices when I was working on the loan modification. I ended up losing my home in XXXX of 2007 and lost my family, my job and of course a home to live. I like to pursue some type of restitution My current address XXXX XXXX XXXX, XXXX, KS XXXX phone XXXX. 
email - XXXX XXXX
Consumer complaint received 2023-04-25
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 have disputed Account Name : XXXX Account Number : XXXX Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to Experian : XX/XX/XXXX Credit Bureaus, XXXX, XXXX XXXX and Experian, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate and was not verified as I did not get any proper paperwork to show that the account belonged to me at all. The date opened, the date last active and the date last reported are all inaccurate still as well as high credit. The payment history is incorrect and also not reporting correctly and XXXX and Experian does not report any payment history at all and XXXX only reports good payment history with no late payments at all listed. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 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. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2023-04-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Upstart Holdings, Inc. (CA)

A loan was taken out in my name. I'm a victim of identity theft. My email was accessed, from there my bank accounts. 

Loan Company : Upstart Loan amount : {$1200.00} Loan date : XX/XX/XXXX Loan # xxxxxxxx Signed : Electronically Wired to my account {$1000.00} ( XX/XX/XXXX - XX/XX/XXXX? Don't have record of the exact date ) Bank return to Upstart on XX/XX/XXXX as unauthorized. 

I filled an identity theft report on identify theft.gov. I've sent a copy to Upstart, along with a copy of my ID as requested. Upstart has asked for a letter from my bank stating my account was subject to fraud ; however, my bank will not provide such a letter. It's against their policies. What they did provide, and I sent to Upstart was a paper I filled out on XX/XX/XXXX my claim of fraudulent activity when a $ XXXX check was cashed from one of my accounts. According to Upstart that was not sufficient for them the consider the loan fraudulent and they still consider the loan valid. Upstart has sent me to collections. Upstart does not acknowledge the return of the {$1000.00}. Despite filing disputes with the credit agency, Better Business Bureau and many emails and phone calls, Upstart refuses to acknowledge the loan as fraudulent. Upstart will not provide copies of any information that was provided to them for this loan.
Consumer complaint received 2023-04-06
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. (CA)

I checked my credit reports and realized a 30-day late payment was placed on their XX/XX/2022. I reached out to the creditor and credit bureaus about deleting this negative mark on my credit reports. They both only responded that the mark was accurately reported in which is was not. This has caused my credit score to drop XXXX points. 

The following account/late payment should not be reported late without my written instructions or consent. The credit bureaus are in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( I ) THE LAW CLEARLY STATES : A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

This means the late payment should be deleted from my credit reports.
Consumer complaint received 2023-11-01
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. (IN)

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 XXXX Account Number:XXXX has violated my rights. Or a 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 2023-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CT)

we had to move from an apartment complex because of racism, property of ours damage etc. we got permission from XXXX properties. we left the XXXX XXXX great condition and the XXXX said certain things needed repairs and i know that is not true. i disputed XXXX ( the debt colector they hired ) and they illegally without permission tried charging my bank card but i had the card locked. my bank gave me a notification it was declined. i asked for debt verfication and they gave me an itemized list and one reciept. i told them that reciept for carpet repair was a month after we left ( the borden had their matience worker XXXX who drinks and parties living in that and other empty units. i left the carpet shampooed and clean when we left. the other charges were made up and i told XXXX give me the reciepts and photos of the claimed damage and they provided nothing. the continued to try and collect and pug it on myself and my husbands credit. if we owed the amount then i would not mind paying it however its fraudulent. i will be also following up with a law suit for damages and lawyer fees and also damages that occurred from having to abruptly move from the borden because of the unprofessional workers and damage to my XXXX XXXX crack pipes and homelessness at a luxury property threating XXXX in front of my toddler mold in the unit and illegally not having proper ventilation and non working windows they may have fixed it now but i have videos of when we lived there, heating issues during winter and it took so long to finally fix it when we had out toddler in the cold unit from matience not changing out the thermostat till weeks later and my son occurring doctors fees i have documentation of that as well etc. i have property management im on film acting out aggressively way to often ( briel ) she cant keep a stable personality. i have the paper trail of everything in writing, police reports videos and photos and nakita knows this very well.
Consumer complaint received 2023-10-19
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX  XXXX XXXX XXXX {$480.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX$480.00} 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 2024-08-12
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. (MD)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I deposited a cashiers check for {$15000.00} into my Wells Fargo checking account on XX/XX/23. At the time of deposit, the teller called XXXX ( the institution that issued the cashiers check ) I was told that it was above their limit of {$5500.00} so they would have to put a 24 hour hold on it, and that after 24 hours ( on XX/XX/23 ) {$5500.00} would be released, and the remainder would be released around 4 days later ( on XX/XX/23 ). 

On XX/XX/23 I went in to make a small withdrawal and they said that the deposit was now on hold until XX/XX/23. They said they didn't have a reason other than that I needed to contact the bank who issued the cashiers check. 

I contacted the issuing bank and they confirmed there was no issue on their end, and the funds had been sent to WF.

WF refuses to release the funds and their only explanation ( that there is a problem on the side of the issuing bank ) is demonstrably false.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. XXXX. 
XXXX : XXXX SECURITY FREEZE
Consumer complaint received 2023-04-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Despite repeated attempts to comply with a request from Union Bank to name a Business Contracting Officer prior to their merger with XXXX XXXX, and despite our final, in-person attempt to satisfy this request with XXXX XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX Friday, XX/XX/XXXX, Union Bank still refuses to acknowledge that our account is in good standing and that our money will be moved over successfully through the intended merger. 

XXXX XXXX said he doesn't have access to any of our paperwork, but we've had a business account with this bank for more than 20 years. He asked us to fill out multiple forms, which we did, and is still unable to confirm that we have a Business Contracting Officer named on our account.

Please investigate and DELAY this merger until the parties can get their records in proper, working order! Union Bank branches are poorly staffed. Employees have one leg out the door and are simply unwilling to accept responsibility for serving customers at this point.
Consumer complaint received 2023-04-07
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-25
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. (TX)

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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX 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 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 2023-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tesla, Inc. (RI)

Retail Installment Contract was signed on XX/XX/XXXX for {$30000.00}. Project coordinator asked if we wanted to finance the battery portion of the loan separately at 0 % interest using the HEAT loan program. We agreed, went to a local credit union from the list provided from XXXX and secured the 0 % interest loan for {$11000.00}. The solar installation was completed in XX/XX/XXXX and we were instructed to mail the check to XXXX XXXX ( attached is copy of full email conversation between project advisor and us ). 

We received confirmation check was received, however we never received an updated Retail Installment Contract with the financed amount being {$19000.00} even though in the email it said we would. Since the {$11000.00} was now financed separately at 0 %, it should have been removed from the amount financed and we shouldnt have to pay interest on that amount. 

We made phone call after phone call to try to get resolution on this matter and each time we were told different things. First they told us the {$11000.00} was applied as a regular payment ( which was not how that should have been applied ). Then we were told it wasnt applied at all and they needed to send us the {$11000.00} back to us. We requested they correct the loan and provide a new Retail Installment Contract to no avail. 

XXXX deposited the check for {$11000.00} on XX/XX/XXXX ( copy of deposited check attached ) yet they did not apply it to our loan in any way or correct the contract. Our first payment for our original contract was due on XX/XX/XXXX and since the amount of the loan was never corrected we decided to pay it off, which we did. We sent XXXX a wire transfer on XX/XX/XXXX for {$30000.00} as this was the payoff amount given to us. We could see on the portal that wire transfer was received. 

Every step of the financing process has been a disaster and it seems there is not one person who works for XXXX that actually follows up with their customers. Our project coordinator, XXXX XXXX, stopped responding to emails ; we talked to at least 5 different representatives and not one got back to us as promised ; the only manager we actually got on the phone was XXXX XXXX and she had not responded to our emails or called us back. 

XXXX has had our {$11000.00} for 11 weeks and have made zero effort to get it corrected.