davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (MA)

I called Wells Fargo on XX/XX/XXXX to make a credit card payment before my due date using the company 's phone/IVR system . The phone system indicated that my payment was processed, Wells Fargo sent me a letter confirming my transaction and Wells Fargo updated my credit card account online showing that my balance had been paid. 

I noticed a few days later that my payment had not been pulled from my XXXX account. I proactively called Wells Fargo on XX/XX/XXXX to ask why they had not taken my payment. Wells Fargo indicated that my payment failed due to a lack of funds. I did a bridge phone call with XXXX and Wells Fargo and my XXXX agent confirmed to the Wells Fargo agent that my funds were available the entire time. The Wells Fargo agent requested my bank account info again and proceeded to process the payment again. I was again provided a letter dated XX/XX/XXXX that my payment transaction was processed. 

On XX/XX/XXXX, I noticed that Wells Fargo still had not pulled my payment from my XXXX account. I again proactively called Wells Fargo and the banker indicated on a recorded line that the XX/XX/XXXX payment attempt had not gone through because the prior Wells Fargo baker had missed a digit in my bank account number. I gave this banker my XXXX account info again and that banker processed my payment. I received another letter from Wells Fargo dated XX/XX/XXXX that my payment had been processed. 

At no point during this process did Wells Fargo communicate to me that my payments had not been processed successfully or on time. In fact, via written letter and via WellFargos website they indicated to me that my payment had been paid on time. 

Wells Fargo has assessed an interest charge of {$560.00} to our account. I have filed a formal complaint with the Executive Office of Wells Fargo and they have closed the complaint and left me with this interest charge even though Wells Fargo themselves failed to process the payment correctly. 

I would like the interest charge of {$560.00} to be credited to me. I proactively attempted to make my payment before its due date, I proactively followed up with Wells Fargo to make sure they received my payment on multiple occasions and I had XXXX confirm that funds were available.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (WA)

Misleading information on title loans. Predatory Loans provided in a state " WA '' that has laws that prohibited 800loanmart terms and interest percentage caps. Reported a different larger amount barrowed and loan month terms to credit bureaus at 36 months. When. Was told it was 30 day loan. Disputed with credit bureau 's and was awarded it to be closed and removed. Then they reopened it and reported it to the credit bureau 's That I made payment. And it was delinquent or late and owed {$20000.00} plus to the credit report. Shortly after closing account.
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

XX/XX/2023 around XXXXXXXX XXXX XXXX Time, Paypal Inc. permanently limited my account with the violation against their terms and condition. I already emailed them to review my account as I did not use paypal on illegal services/activities but as of the time now my account is still limited and can not make transaction. Still can not withdraw funds and make transaction online. Could you please email paypal - XXXX to review and restore my account.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

The FBI MUST BE NOTIFIED!! 
AND POLICE DEPARTMENT!! 
M and T bank won't credit account!! 
XXXX. XXXX. XXXX. And XXXX. To landlord. And airline!! And XXXX. To owner!! Was STOLEN. Was under Threat duress and cohorsion. 
XXXXXXXX XXXX XXXXXXXX XXXX Going to court if nothing is done soon.
Consumer complaint received 2023-08-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MORTGAGE SOLUTIONS OF COLORADO (AL)

I refinanced my home in XX/XX/XXXXXXXX   and everything was perfect. XX/XX/XXXX, I received a letter stating that my Escrow account was low and that my mortgage would go up about {$400.00} per month for the next year to put money back into my Escrow account. I was not able to pay that so I called several times trying to find out what happened to the money. Finally, in XXXX, someone from Escrow told me that they had sent my insurance company over {$3700.00} in XX/XX/XXXXXXXX  and {$1900.00} in XX/XX/XXXX. I asked why but they could not tell me. I called the insurance company and they said that they had sent the {$3700.00} back to them in XXXX. The mortgage company said that they did not receive it. I went back to the insurance company and they said that they would have to check to see if it had been cashed and that would take some time. If it had not, then they would send it to me and I could get it to the mortgage company. During all of this time, I can not pay my mortgage because they do not accept partial payments and I do not have an extra {$400.00} dollars to put with the payment. I had never been late nor missed a payment until now. They told me that I could put in for a hardship and they would do something to help me with the payments. I put it in and gave them all of the forms they requested and they used the date of XX/XX/XXXX as the completion date. They called me twice a week giving me updates. I received a package from them about XX/XX/XXXX and I called them to see what did it mean. I was told that my hardship was denied and there was nothing that they could do. I needed to pay all the money owed asap. I was also informed that my mortgage payment was now only {$27.00} more and that was put in effect in XXXX, after they received the money from the insurance company! No one told me any of this before! I could have been paying my mortgage.I was the one who went back an forth between them and the insurance to rectify the situation, no one else at the company cared to do their job and investigate. I used to pay online and each month, I would go online to pay but I was not permitted. None of this would have happened if someone had done their job. I had to go back and forth with them and the insurance company to find out the problem. They did nothing but add more money to my payment and mess my credit report up. I could not even borrow money to pay them nor get a new HVAC unit because of the lates on my credit report. My a/c needs to be replaced but all I can do is pay several hundreds of dollars twice a month for freon because no one will give me a loan now that I have all of these late payments from my mortgage company. Can someone please help me. The mortgage company is Mortgage Solutions. I know that I owe for all of these months but I need time to pay it back and I don't think that these lates on my credit report is my fault. Please help me. Thank you and have a great day.
Consumer complaint received 2024-04-10
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. (CA)

XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

this is a formal complaint against transunion, the XXXX account charged me for a services i never received, and when i went to pay it they told me that they were going to removed it from my credit, something they never did
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, 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: LEXISNEXIS (WA)

Lexis Nexis I received a url to use to obtain my credit report. XXXX. This url containing my credit report never came up. I emptied my cache for my IPad and used XXXX different computers and the url never came up. So I was unable to get my credit report. I contacted Lexis Nexis twice and they were very un helpful. I believe Lexis Nexis is acting in bad faith by not activating the url given.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

Hello so my issue is I paid my bill on XX/XX/XXXX I been waiting for a manager to contact me regarding my problem and nobody has I call the automated system it says a payment isnt due but when I see online it says a payment is pass due nobody seems to know whats going on and nobody has given me any explanation from comenity bank regarding that my payment I made on XX/XX/XXXX I would like to see whats a proper solution because a customer service from telling me your payment isnt late when my credit report is at jeopardy and when another customer service rep told me that I paid it too early too many different stories being told and nobody has been able to help me I called days before the payment was due and nobody has contacted me back also I did pay on XX/XX/XXXX which was the right time according to the rep I just spoke to but nobody from corporate has been contacting me
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Pursuant to 15 USC 1681e ( b ) - A consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the circumstance Pursuant to 15 USC 1681i ( XXXX ) - If after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete the consumer reporting agency shall, ( i ) promplty delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation This said account has CHARGED OFF and i have received a XXXX from creditor and Im wanting to get this account removed from my credit report. 

THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (PA)

I applied for Hud Section 8 housing, and throughout the credit check, they informed me I had 3 accounts open with Wells Fargo Bank. 
I have never had any dealing with Wells Fargo ever. I signed a notarized affidavit saying this. 
Am interested do compensation? It hindered my application for Sec 8 housing. 
XXXX XXXX
Consumer complaint received 2023-04-25
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: I.C. System, Inc. (NJ)

I just pulled my credit report and found items that are not mine on my report. 

There is a XXXX account opened XX/XX/XXXX on my file. I was XXXX from XX/XX/XXXX till XX/XX/XXXX. There is no way I could have opened this account. It is fraud. I have tried to dispute this previously to no avail. 

There is an account with IC Systems that was a XXXX account. The service address is an address that I never lived at on XXXX XXXX in XXXX. I did not reside at this address. Again I have disputed the account with IC Systems and XXXX previously with no results.
Consumer complaint received 2023-03-26
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)

I am interested in processing disputes on my credit report with transunion. looking at data involved information is inaccurate. please review and delete all files to help clear my credit report.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2023 at XXXX, I was contacted by Wells Fargo via telephone call and email that there was a suspicious purchase on my credit card. My card was used at a XXXX XXXX Store in XXXX XXXX, New York in the amount of {$3900.00}. I confirmed it was unauthorized and was quite upset. I told them this is not possible because I still had possession of my card. I did not understand how this could happen. Wells Fargo told me to destroy the card and I would be receiving a new one in 10 business days. I received the new card and thought everything was resolved. Then on XX/XX/2023, I received a letter stating no fraud had occurred. I immediately contacted Wells Fargo and assured them it wasn't me that made the purchase. They claimed that because I was in possession of the card I am responsible. They then stated they would conduct another investigation. Again, on XX/XX/2023, I received another letter stating that I authorized the purchase and was therefore responsible. After receiving the letter, I called Wells Fargo again and was told I used my phone to pay with my credit card for the purchase. I told him I have never used or placed any credit card on my phone and they should have a record of that. Again, they told me they would conduct another investigation. At this point, I made a police report of the theft. I was advised from the police that Wells Fargo is now indicating that my card was physically used. I contacted XXXX XXXX and Wells Fargo trying to get help and asked them to look at the camera footage. I spoke with XXXX XXXX at XXXX XXXX and see told me they would conduct an investigation and I never heard back from them. I need help.
Consumer complaint received 2023-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICA FIRST FEDERAL CREDIT UNION (FL)

XX/XX/ i go into the credit union and ask what the total is too pay off my debt, they tell me that I owe {$600.00} and reassure me that my payment via wire transfer will be sufficient enough. 
XXXX XXXX XXXXXXXX i made a domestic wire transfer of {$600.00} to pay off my line of credit debt with America first. 
XX/XX/XXXX, XXXX America first credit union sends me a letter, it goes too my old address so then it gets sent too new address in a different state. it io saying that for some reason i still owe XXXX dollars with a XXXX dollar monthly fee. 
since i live paycheck too paycheck this is incredibly frustrating. i feel taken advantage of and scammed. regardless of what debt i owed, that shouldn't mean banks can just take advantage of me.. 

and now they put this on my credit history. ugh
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was laid off due to COVID-19 and contacted CAPITAL ONE for assistance on monthly payment. They closed the account and reported the account as delinquent. I contacted them to start pay for delete process. I paid off the collection and after waiting a few months I contacted them to see what other steps I needed to take to get the delinquency removed from my credit. Their representative advised that it would not be removed and it was never a pay to delete process. This is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, section ( F ) Reporting information during COVID19 pandemic.
Consumer complaint received 2018-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

In XXXX, through XXXX XXXX, I applied for credit at Citi and I was denied. I have never had a late payment. Again in XXXX, XXXX XXXX invites me to apply for a Citi card and I was again denied. Starting to think this is another case of racism. There is absolutely no reason to be denied with a credit score of XXXX and under 23 % usage.
Consumer complaint received 2023-12-14
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. (FL)

The following inquiries are showing up on my credit profile. These are inquiries that were not authorized by me and that I have no accounts with. These need to be deleted from my credit profile right away. 

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
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MS)

XX/XX/2023 XXXXXXXX XXXX ran my credit with ; XXXX XXXX, Equifax and XXXX XXXX XXXX, Equifax and XXXX then sold my information to mortgage lenders. Today, XX/XX/2023, I have already received 27 calls in 2 hours from individual mortgage lenders. I have asked them to stop calling and have blocked them. After contacting XXXXXXXX XXXX i was told that in all probability these groups probably sold off my personal information, which is interesting because these are supposed to be the safe organizations.