davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

All credit bureaus have me as excellent!! they all took off my bankruptcy that was from XXXX last year. Trans Union also took it off last year!! but last week they put it back on and deducted XXXX points from my credit score with no explanation. 
total misinformation about my years of credit cards, the amount of credit that I even had and why they put the bankruptcy back on after a year when no other credit bureau has done that. They did not give me any points for having XXXX XXXX years of XXXX XXXX on time payments and having a much higher credit limit than they originally thought. 
They acted unprofessional because I have worked so hard to build my credit and all the other of the bureaus had me as excellent so instead of giving me more points for correct information they put the bankruptcy back on and took away those XXXX points
Consumer complaint received 2023-04-12
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-01-26
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: EQUIFAX, INC. (NJ)

I do not recognize these inquiries and request that they be removed. 

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
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

We Need A Lawyer as soon as possible. Wells Fargo did not answer our questions. Wells Fargo sent us all the information from you all and still blaming us for the money. How in the world can you get money out when no one gave it to you? How can you get money inside the bank if no one gave it to you? Please Consumers Financial Protection Bureau help us to get this resolved? They should not use people accounts and say that it is the customers fault. Please advise us in this matter? As of today, XXXX XXXX. Their feedback was that they have closed the account and refuse to answer our three questions Wells Fargo said that someone used XXXX XXXX 's card because Wells Fargo can not find nothing. On XX/XX/year>, we asked for this information from XXXX XXXX he said can not provide it to us, and to see it on camera had to get a court order. I tried to go and get a court order they said I needed an attorney. We went to the attorney, and he said pay because his fee was more than the {$220.00}. We asked him would he pay for something without a receipt? We asked did we have Stupid written across our face, I know to get attorney you have to have money. If I did not have the money, I would never have came to you. As you can read this you know we need an attorney to clear XXXX XXXX and XXXX XXXX XXXX names from Wells Fargo. Thank you. Have a Blessed evening. What type of manager would say can not provide the information to you?
Consumer complaint received 2024-08-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OR)

On XX/XX/2024, I submitted a dispute with the three major credit agencies, clearly stating that I have never had any contract with Jefferson Capital Systems for any debt. I am requesting that you provide proof from the original creditor confirming that Jefferson Capital Systems owns this debt and has the legal authority to collect it. If you can not provide this proof, the account must be deleted. 

To date, I have not received any verification of the debt. I have never changed my cellphone number since I was XXXX, and it has always been with XXXX under my fathers phone plan, for which I can provide payment records. I have never had another phone, and it is erroneous that this debt has been allowed to persist for so long. Despite my attempts to settle with you out of goodwill, even though I owe nothing as this debt is not mine, your refusal to resolve this matter leaves me no choice but to prepare for legal action.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo is sending us letters every other day, phone calls every day. Enough is Enough. Please advise me on what attorney you all have used. I would appreciate it very much. Wells Fargo always say they are still working on it and no results yet. Please help me to sue Wells Fargo? XXXX XXXX filed Bankruptcy because XXXX can not continue to be harassed by Wells Fargo for something she did do. XXXX is under XXXX doctors now. All we need now is to clear XXXX XXXX XXXX name. XXXX XXXX, XXXX did not do it either. We know Wells Fargo is not going to do anything. Wells Fargo is proving it to us and to you all. Thank you.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo is sending letters every other day, phone calls every day. Enough is Enough. Please advise me on what attorney you all have used. I would appreciate it very much. Wells Fargo always say they are still working on it and no results yet. Please help me to sue Wells Fargo? XXXX XXXX filed Bankruptcy because XXXX can not continue to be harassed by Wells Fargo for something she did not do. XXXX is under XXXX XXXX now. All we need now is to clear XXXX XXXX XXXX name. XXXX XXXX XXXX did not do it either. We know Wells Fargo is not going to do anything. Wells Fargo is proving it to us and to you all. Thank you.
Consumer complaint received 2024-08-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC (AL)

In XX/XX/XXXX, we purchase a house and applied to assume the sellers current VA mortgage. In the sales contract, it stated that the sellers would pay for all property taxes and assessments up to and including the day of closing. We closed XX/XX/XXXX. We signed all the documents, XXXX was the Initial Escrow Account XXXX XXXX which showed our beginning balance to be {$730.00}. Fast forward to XX/XX/XXXX and we received a letter from XXXX showing that our initial escrow balance started with a negative {$4100.00}. The previous owners escrow did not have enough money to pay XXXX XXXX taxes that were due ( and paid by XXXX ) in XXXX. Taxes that represent a period of time that we were not the owners. At no point did XXXX indicate to us that the escrow account was in arrears. We were under the impression that we had started with a balance of {$730.00} ( as per their own closing document ), NOT a negative balance of over $ XXXX. I called XXXX thinking that it was just a simple mistake that they would correct, but was told that we had signed an assumption agreement and we assumed the account with the negative balance. I made multiple calls over a XXXX month period to point out that the mistake was on their end ( sales contract, initial escrow disclosure ) but their attitude has been " so sad too bad '' every time I contacted customer service. After XXXX days, I put together a package with all the pertinent documents ( included here as well ) and a detailed explanation of what our issue is with escrow at the time of closing. Instead of addressing our issue, they have transferred our account to loss mitigation and I had a call from them about a short sale. We truly feel that they are trying to scare us by having us think our account is in foreclosure- we are not! We pay on time and have overpaid our mortgage every single payment since the first payment. I have tried to work with them to get this corrected and the longer it goes, the harder this is going to be to fix. Currently my husband is 100 % XXXX and starting this XX/XX/XXXX will not have to XXXX XXXX taxes at all. All I want is for XXXX ( now XXXX since they have coded our account as loss mitigation account ) is to correct their mistake they made in providing the closing figures to our closing agent ( and I tried going back to the closing agent but they said they only used the figures provided to them by XXXX ). We feel as if we have been defrauded by XXXX as they never disclosed to us the current escrow balance and waited until after we closed to let us know the true situation ( which- per the purchase contract we signed - the previous owners were responsible for those taxes ).
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2024-07-26
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: EQUIFAX, INC. (GA)

I discovered unauthorized inquiries on my credit report this morning and Im unsure of the reason. When I reviewed my credit report as usual, I found unexpected discrepancies. I refreshed my browser, thinking it might be a glitch, but the unauthorized inquiries remained. Due to this issue, I request a thorough review of the documents I have sent to ensure I won't have to worry about this again.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

XXXX banned 3 of my accounts saying I was committing fraud by trying to open more than 1 XXXX XXXX account. When I tried to explain their AI system automatically banned my account. So in response as I told XXXX I would do I disputed all charges for last 60 days. Now cash app is refusing to refund my money saying I committed fraud which Ive asked for proof and have gotten none. They say I was refunded by XXXX which I asked for proof considering I cant see the transactions because my XXXX XXXX was banned they have provided nothing. On top of which they banned my accounts cash app that is then when I attached my debit card to my sons account they banned both of his accounts which means they are tracking my financial information and then to top it off a complaint I filed with this government agency over the EFT transactions which they stated at the time can not be refunded due to the fact it was a P2P transaction. Theyre new TOS says otherwise which is the same laws and guidelines that the CFPB states should be followed when I asked for a refund they stated it would have to be disputed again. Attached you will find a copy of theyre response to original complaint also the police report that found that the money in question was not authorized as they said in original dispute but a violation of Texas penal code 32.51. Also you will find theyre TOS as it is now in regards to transactions and also disputes and since my account is more then 2 years old theyre 2 months of delays and no one giving me any documents stating what was wrong in my case violates theyre own tos.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (GA)

In XXXX I used a Chase credit card promo balance transfer of {$15000.00}. In XXXX I contatced because the online login didnt specify the amount I needed to pay without incurring interest. The representative said it would probably take another business cycle before this would show. But she said that if I pay the statement balance that was above the balance transfer amount each month I would be fine in not incurring interest. I contacted them today, because I had been charged these past XXXX months interest, even though I had paid like she told me. I spent over XXXX mins talking with another woman that was as confused as I and had to calculate the payment and agreed that I should not have been charged the interest. I asked her to remove those interest charges and she said she could do XXXX of them but wasnt sure why she wasnt able to do the other. So, I asked for someone that could help me fix this. I got a supervisor that ended up waiving both, BUT told me that going forward I would be charged interest on any new purchase, even if I pay that amount when I receive the statement - because I have a balance transfer balance. She basically said that I can not use the credit card without an interest charge until the balance transfer balance is paid off. Which by the way I paid a fee for the balance transfer too. I have been a Chase customer for many many years and this is unprofessional and unexceptable. XXXX
Consumer complaint received 2024-08-01
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: Resurgent Capital Services L.P. (MN)

Ive sent numerous letters asking for these items and they only send the information Im attaching. There miss Original contract with my signature, complete payment history, proof that they can receive payment also if any claims has been submitted by original creditor
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO Bank, N.A. (CO)

In XXXX, my Diner 's Club card was closed with a credit due to me of {$2000.00} USD. They sent me a physical letter telling me to contact them to get the money, and I have attempted to contact them every year to get my money, but they are refusing to close the loop on this. The money is seemingly stuck in limbo and their customer service representatives have no clue how to navigate their system to find the information. I have been attempting to contact them via phone, email, and their own secure message system and spent countless hours on this problem. 

Sometimes the more knowledgeable representatives have been able to see my information, but they don't know how to get that money to me. 

In XXXX, they sent me an affidavit to get the money but mandated that I had to get it notarized and send it back to them by a certain date or the funds would be escheated to the state of Colorado. Unfortunately, I didn't receive that letter until too late based on their deadline. They never escheated the funds to the state. 

So in effect, it seems like Diner 's Club/Bank of Montreal have decided to keep my money.
Consumer complaint received 2023-10-26
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. (AZ)

I respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (NJ)

I booked a vacation package from XXXX XXXX on XX/XX/XXXX that included a hotel and a rental car for my vacation from XX/XX/XXXX to XX/XX/XXXX. This vacation package included a nine-day rental of a full-sized car from XXXX. My flight was delayed and the flight number is even included on the itinerary of my XXXX XXXX vacation package. So I decided to modify only the pickup time. The rental car reservation number is XXXX. 

When I went to pick up the car, XXXX said that they couldn't find my reservation number in their system, but I had already paid for the rental car through XXXX. 

They forced me to pay for the same car again using my American Express XXXX XXXX. 

I tried to dispute this transaction with American Express, but the merchant and the bank refused to recognize that I paid for the rental car twice. American Express even alleged that the transaction dates didn't match. I planned my vacation ahead of time and paid for the vacation package on XX/XX/XXXX. The vacation package is for my vacation from XX/XX/XXXX to XX/XX/XXXX. I am attaching the full invoice and itinerary to this complaint.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

A car loan was taken out with XXXX XXXX in XX/XX/year>. I was the co signer of a ex partner he got into a accident a month after getting the vehicle. When he had took the vehicle out from the dealership he had no drivers license and they let him take the vehicle out and also did fake insurance the man that did the fake insurance for my ex partner was later down the line fired for this. XXXX XXXX knew that no one had a drivers license and still lend him money for a loan. I looked into Credit acceptance and they are being sued for giving out car loan to minors to ruin their credit report. The car got total and a police tow truck towed the car and took it to a mechanic collision spot. Its on record at the XXXX police station. I reached out to XXXX XXXX and told them this is affecting my credit report and me and my ex partner are no longer together and that the vehicle is not in anyones possession due to the accident that was had. They said that the last location they see of the vehicle was in 2019 at the collision spot. The main owner couldnt afford the vehicle so he left it at the shop. XXXX XXXX knew this and did not come for their and have the vehicle on our credit report as if we still have the vehicle and they are collecting interest. The car was a XXXX and now the amount is at XXXX. I have explained to them various of times that if they knew no payments were being made and they knew where the vehicle was why didnt they go get their vehicle. No information was provided after i stated this and they still have yet to remove it off my credit report and look for the vehicle. I contacted the last place the vehicle was at the man said he junked the vehicle and refused to give us proof. I honestly think XXXX XXXX got their vehicle and refusing to admit it because it doesnt make no sense of why after all these year the car was never repossessed and are having it on file as we still have the vehicle.
Consumer complaint received 2024-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (OK)

My checking account was closed due to Fraud. I had to reopen another checking account. My payment was going to be late. I logged onto the Wells Fargo website to make my payment. They will not allow a checking account to be added. They have to send out small deposits to verify because it is a NON-Wells account. I could not make the payment. They get to charge me additional interest and a late fee now. Then they finally did the deposition XXXX. I went online to verify it to add my account. Again, it failed. I called into the Wells and told them they were making adding accounts difficult intentionally to collect late fees and charges. They said they would make a payment for me but NOT add my account. 

This is a scam by their company to charge consumers late fees and make it hard for them to make a payment. The CFPB should be protecting us against this company. They are taking advantage of this and making it so people can not make their payments.