davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

US Bank closed my account 2 months ago. Had to do with a bad check and it was never deposited. I just want the remaining funds in my account which after two months they haven't released. They said they are concerned about {$3200.00} XXXX cashier 's checks ( about {$2400.00} currently in US Dollars ) and said it could be recalled up to a year. My response was fine, so release the rest of the funds. They won't so I'm filing a complaint. 

My name on the account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX US Bank XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MORGAN STANLEY & CO. LLC (OR)

After 7 weeks of stonewalling my stolen check matter ; etrade is showing they've restored the {$1000.00}. 

However : they've cut off access to any means for me to utilize my money! Atm & Debit cards are frozen and my bill pay isn't active!! 

I'm absolutely fed up with etrade and their creative 'fraud BS policy '! The only fraud occurring right now ~ IS DIRECTLY PROVIDED BY ETRADE FRAUD PREVENTION!

This MUST STOP.

I've redirected my future SSDI Income into my Providers debit card. I'm totally fed up with Etrade 's abuse of myself. They're dangerous & highly arrogant in their business practices. I'm done! Leaving as a 12 - 15 year customer. I simply CAN NOT TRUST ETRADE WITH MY MONEY.

Etrade must restore my account, with it's current ID & Password ( which hasn't been breached- except by them ) and STOP HARASSING A XXXX XXXX XXXX PATIENT who deserves to have access to my XXXX money!!!
Consumer complaint received 2022-04-09
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. (PR)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit XXXX {$2000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CA)

The institution is Navy Federal Credit Union the time is XXXX of 2008. An amount of {$1300.00} dollars not authorized by me was taken out of my Navy federal credit union account to pay for my lodging without my consent, It was stolen and they know it. I did email the last CEO last year and even though hes a retired admiral he said too bad so he can eat a bag of XXXX. I heard they have a new CEO maybe she can fix this. I know it is old but it is stolen money and I have put in requests talked to people on the phone and just get the run around will someone please help me. I am passionate about this because my mom takes XXXX meds and doesnt have alot of money so I help her out as much as possible. The account number is XXXX.
Consumer complaint received 2024-06-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

Since this card switch to Barclays it has been a total nightmare. I never make late payments and I actually pay my XXXX card in full each month. Yet with this card I have set-up my account for auto payments several times since XXXX. Each time my scheduled auto debit payment somehow gets totally removed from their system and then I get a late fee notice. This account rarely has charges and when I do have charges and I schedule the payments, those scheduled payments disappear and Barclays says I never scheduled them. 

XX/XX/XXXX charged me a late fee of {$29.00} XX/XX/XXXX charged me a late fee of {$30.00} XX/XX/XXXX charged me a late fee of {$41.00}
Consumer complaint received 2024-05-14
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: Experian Information Solutions Inc. (CA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (PA)

I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with XXXX, and XXXX. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. XXXX XXXX was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact XXXXXXXX XXXX  who referred me back to XXXX and XXXX to resolve. When I called XXXX and XXXX they referred me back to XXXX. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. Mariner finance was also never included in a bankruptcy. Those accounts were paid off. Both XXXX and XXXX are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted mariner finance who confirmed it was never in a bankruptcy and I was referred back to XXXX and XXXX, who again failed to resolve the issue. These are just two of many examples of errors XXXX and XXXX have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from XXXX or XXXX. I even asked Marinier Finance written proof that it was paid and it was denied to me.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NY)

Dear Consumer Financial Protection Bureau, I am writing to express my concerns and frustrations regarding my experience with Wells Fargo, specifically in relation to my credit card account. Despite closing my checking account with them, I decided to maintain my credit card. I anticipated that making payments would be as straightforward as with my other credit cards, but unfortunately, this has not been the case. I have encountered numerous obstacles that have resulted in unjust late fees. 

Firstly, on the day before my due date of XX/XX/year>, I attempted to link a bank account from another institution to my Wells Fargo account to facilitate payment. Unexpectedly, I was informed that this process would require three business days to complete, during which verification codes would be sent to my checking account. This seemed unusual to me, as Wells Fargo was the recipient of the payment, not the sender. As a result of this delay, I was charged a late fee of {$39.00} for XXXX. 

Secondly, after successfully setting up my checking account with my Wells Fargo credit card, I made payments for XXXX and XXXX. However, when I set up an automatic payment, it failed to process, resulting in another late payment fee of {$39.00} for XXXX. 

Thirdly, my credit card payment is due on the XXXX of each month. On XX/XX/XXXX, I noticed that the automatic payment had not been processed. I promptly set up another automatic payment. However, when I checked my account on XX/XX/XXXX to ensure that the automatic payment was scheduled for the XX/XX/XXXX payment, I discovered that it was instead scheduled for XX/XX/XXXX. This was surprising and concerning, as I had specifically set it up to take effect immediately on XX/XX/XXXX. 

Lastly, I called customer service on XX/XX/XXXX to inquire about the late fee charged in XXXX, despite having set up an automatic payment. I also questioned whether I would be charged another late fee of {$39.00} in XXXX, even though I had an automatic payment scheduled. I expressed my concerns about the numerous obstacles I faced when trying to make payments, which seemed to create a cycle of late fees. The customer service representative I spoke with was combative and suggested that if I manually paid my XXXX bill on XX/XX/XXXX, there would be no late charge. This response was unacceptable, as I was not informed of any delay in the commencement of my automatic payments. Had I not remembered the previous late fee, I would have been charged yet again. 

I am seeking your assistance in resolving these issues. I believe that the obstacles I have encountered in making payments and the resulting cycle of late fees are unjust. I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one is reporting teo different payments and it's causing almy score to decrease, i was told that it would be resolved three months ago and it's still hasn't and now i can get the interest rate that i should be entitled to, i m asking to please remove this incorrect report on my report or correct these. Payment so i can move forward with my business thank you
Consumer complaint received 2023-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (PA)

On XX/XX/XXXX, I was notified by my student loan servicer, Edfinancial, that my grace period for my student loans was ending and that I would start to make repayments on XX/XX/2023. The problem with all this is that I am enrolled as a university student. Ever since that notification, I was back and forth with my university financial aid office and they gave me information and advice to contact my servicer directly and explain my situation. My financial aid office added that most likely my servicer would want me to fill out an XXXX XXXX XXXX XXXX to then take to my universitys registrar office but it was most important to contact them directly so they know of the error. I have tried via email, phone, and even live service chat over the course of the past several days but no one ever responded. The wait times for phone were astronomically long, going over XXXX hours. At XXXX point I was waiting for XXXX hours to see if an agent would pickup. Email was ignored for the most part and I didnt get a response in roughly XXXX days. Live service had no agents and multiple attempts of getting chat tickets would lead to the same result of there being no agents. XXXX still trying to get in contact with my servicer to tell them of my situation that is most likely a mistake on my servicers end but it has always ended in no contact ever being made.
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Consumer Financial Protection Bureau Subject : Dispute of Collection Account Under 12 CFR 1006.34 ( b ) ( 5 ) Dear CFPB, I am writing to formally dispute the collection account listed on my credit report by Portfolio Recovery Associates. This account is associated with account number XXXX XXXX XXXX and is negatively affecting my credit score. 

Upon reviewing the collection account, I have identified that Portfolio Recovery Associates has not complied with the requirements outlined in 12 CFR 1006.34 ( b ) ( 5 ), which mandates that the debt collector provide specific information related to the debt, including : Itemization of the Debt : Under 12 CFR 1006.34 ( b ) ( 5 ), the debt collector is required to provide a clear itemization of the debt, including the amount of the debt at charge-off, any payments made, and any interest or fees added after charge-off. In this case, Portfolio Recovery Associates has failed to provide this necessary itemization, making it impossible for me to verify the accuracy of the debt.

Due to the failure of Portfolio Recovery Associates to provide the required itemization and detailed information as stipulated by law, I am disputing the accuracy and validity of this collection account. As such, I respectfully request the following actions : Immediate Removal of the Collection Account : Since the collection agency has not complied with the legal requirements under 12 CFR 1006.34 ( b ) ( 5 ), I request that the account be removed from my credit report.

Notification of All Relevant Parties : I request that you notify all relevant credit reporting agencies of this dispute and the subsequent removal of this collection account.

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please inform me of the results of your investigation at your earliest convenience. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (LA)

These inaccuracies have been disputed consistently for XXXX years and XXXX refusing to correct them. It is very clear that a proper reinvestigation is not taking place. It is also very clear that the CFPB is not doing it's job and ensuring the CRA 's are providing the consumer with accurate report. 
My dispute letters will be attached containing the incompleteness and inaccuracies listed on my report. These letters have also been sent to XXXX and I C Systems via certified mail. I can only assume that I will get the same response I have for the past to XXXX years so I legal proceedings will began as well. 


This is my final XXXX attempt to correct my consumer report. If you don't fix my XXXX this time, get ready to cut me a XXXX check because I'm suing your XXXX XXXX.
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

I have been trying to resolve this issue with affirm for so long. I noticed the delinquent account when I was viewing my credit and saw that it was from a company that I did not recognize. I then reached out to them and was told that the back office ( people I was not allowed to directly speak with ) would resolve the issue. I continuously called and was told the same thing. I requested information from them and all they told me was the name of the store where the purchases were made. Also on the original account was an address I have never been associated with either.The purchases came from a store that I have never even shopped at. I tried to resolve the issue with them numerous times and they have never resolved the issue. Then I get served by XXXX XXXX to appear in court. They had given it to a debt collections after I had already explained everything to them. I reached out to XXXX and explained my situation so they sent me to this website. This account/purchases/loan or whatever it is is not mine. I have had my purse stolen in the past which had my CA ID, passport, wallet, and cellphone in it. I'm not sure if this is how someone opened an account or credit card/loan in my name but I would like to get this resolved as soon as I can. Thank you.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I am writing as a former Wells Fargo account holder regarding the recent settlement in which Wells Fargo was ordered to compensate account holders due to their admission of wrongdoing in business practices. As part of this settlement, Wells Fargo was supposed to notify and compensate affected account holders, including myself.

However, I have never received any communication or compensation regarding this matter. I am seeking your assistance in obtaining the compensation I am entitled to under the terms of the settlement.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American First Finance, Inc. (IL)

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFBP THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN TRAFFICKING DEBT BONDAGE, WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC (TX)

This company repossessed my truck after being XXXX  days. I advised you them that hurricane beryl happened on XX/XX/XXXX and left the states tore up. 

Also being charged late fees also XXXX u.s.c XXXX ( a )
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (TX)

The Company states i owe credit card balance from a Credit Card I DID NOT apply for. I report this as Identity Theft. The Company was asked to send me proof of my signature of the application and did not send any information to support the accusations.
Consumer complaint received 2024-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Unauthorized Add-Ons and Deceptive Practices in Auto Financing by XXXX  XXXX XXXX I am filing this complaint against XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, regarding unauthorized charges added to my auto financing agreement. On XX/XX/2024, I purchased a XXXX  XXXX XXXX XXXX XXXX from this dealership. Upon reviewing my purchase documents, I discovered a charge for XXXX XXXX XXXX XXXX ( TMIS-PPM ) that was added without my authorization or consent. 

During the sales process, this add-on was never disclosed, discussed, or agreed upon, and I did not sign any documentation approving this additional cost. I believe this constitutes a deceptive practice, as the charge was included in my financing agreement without my knowledge or approval. 

The unauthorized charge has affected the total cost of my financing, potentially increasing the amount I owe and altering the agreed-upon terms of my loan. This practice is not only misleading but also appears to violate consumer protection laws by altering the terms of my auto loan without proper disclosure and consent. 

Thank you for your assistance in this matter.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NM)

I began receiving emails from Chime that referred to a bank account. I ignored them thinking it was typical spam. Then I received a debit card in the mail. I never opened the account with them. Trying to get a hold of someone in their company to block the account has been almost impossible. The options on their phone tree do not have anything for regular fraud. The closest thing was to dispute a charge on the card. I finally spoke to someone and they supposedly created a case and said I would receive an email follow up. That email follow up never came. So I emailed XXXX and received an auto reply that said click this link to live chat. I did that and that personal named " XXXX '' went round and round ultimately telling me I had to call. I told them I had already done that unsuccessfully and was very frustrated and wanted a more direct number or options to push on to get a person. They could not provide me with this information... I called the number and after getting hung up on because I presumably selected the wrong option, I finally was able to get a human named XXXX who took some info from and then proceeded to state that he would forward the information the " specialized '' department that would handle it. I feel like every minute that goes by gives the criminals more time to commit fraud. Supposedly I will receive an answer within 24 hours but they said that last week too.
Consumer complaint received 2024-08-31
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Recovery Solutions, LLC (VA)

Last year I saw XXXX ad about reenforcing my XXXX XXXX major with them. I was promised a " one to one '' communication with an instructor to learn how to code XXXX  Apps. Through them, I applied to a loan on XXXX. 

On XX/XX/XXXX, I uploaded my first assignment to be graded by the instructor. It has not been graded yet ( XX/XX/XXXX ). I have been restlessly calling, emailing, sending texts to them, without any answers. 

I believed that by now, I would be working as an Android developer with their help. Instead, I ended up in debt, with constant calls from collection agencies, and with the lowest credit score.
Consumer complaint received 2024-08-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect (GA)

I went to XXXX XXXX XXXX here in XXXX Georgia around XX/XX/year> to have my XXXX XXXX XXXX after a XXXXXXXX XXXX  frozen turkey fell on my foot at the local XXXX. I may have received written notification about this bill from XXXX XXXX XXXX I am not sure about that. I started receiving constant calls and messages from Americollect stating that were debt collectors and to call back. I finally called back to find out whats going on why were they calling. I was told about the XXXX bill with XXXX  XXXX XXXX made payment arrangements. Two days later I got another call from Americollect asking the same questions I just answered 2 days prior. Since that time I have gotten 5 or 6 more calls from Americollect asking me about payment arrangements I told them I have already made arrangements then they said I dont see any payment arrangements thats not my fault that your company has such a outdated system. I have yelled at the collectors to stop calling me the calls have continued.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reached out to XXXX XXXX XXXX multiple times by letter trying to settle this debt and have received no response. In the meantime they are continuing to report this account as closed/delinquent on my credit.