davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-24
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (SC)

I contacted Wells Fargo in XX/XX/XXXX to file for hardship and lock transactions on an account with a large balance and high-interest feethe hardship plan fixed interest to 1 % and fee and set payment amounts per month. Wells Fargo agreed and locked the version with the payments set at one amount ( XXXX XXXX XXXX XXXX ) All payments were made promptly and on time. XX/XX/XXXX Wells Fargo let the hardship plan expire, and the payments went to XXXX XXXX XXXX {$310.00} ( 10 % ) without notice, effectively doubling the monthly payment plan to {$680.00}. XX/XX/XXXX I Called WF to speak with a representative XXXXXXXX XXXX XXXXXXXX and was told that the plans expired and I was on a short-term plan. The agent stated there is a " long-term plan '' as well that I was not made aware of. I asked for any documentation showing the difference between the two plans and XXXXXXXX XXXX XXXXXXXX on a recorded line, stated there is no documentation only that there is a phone call where the agent would decide to place you on a short-term or long-term plan. I enquired how to be put on the long-term plan, and XXXXXXXX XXXX XXXXXXXX stated I would have to wait 12 months to file for hardship again. The balance of the account would then with the new interest rate be ballooned back up to XXXX amounts. This is anti-consumer behavior. Wells Fargo will not produce any documentation on a recorded line stating there is no documentation, and it's up to an agent to decide which plan to place you in. If Wells Fargo can choose unilaterally to which plan to put you on without notifying the consumer this is anti-consumer behavior and they can reinstate the plan. Again I have made all payments on time while on this plan 100 % in full and on time. 


I filed a previous CFPB complaint ( XXXX XXXX ) with this company when asking for any documentation they " We respectfully decline your request to provide documentation showing the differences between the short-term and long-term plans or place you on the short-term or long-term plan. " Never was I provided any documentation that there needs to be a 12 month period between plans or that there were two plans to be placed on.

Furthermore when asking Wells Fargo for the documentation they " decline '' to provide any. If this is not anti-consumer then I don't know what is.
Consumer complaint received 2023-11-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

on XXXX XXXX   a unknown collection was placed on my credit report. I have no idea and this collection is not mine. MIDLAND CREDIT MANAG has posted of collection of the amount of {$1500.00} that is not mine and is misleading false report.
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

On Monday XX/XX/XXXX I cancelled my service ( a cellphone line ) with XXXX. I requested that the cancellation be effective immediately, which I believe did not happen. I also asked whether I would be receiving a bill and was assured that I would not. Weeks later I received a XXXX bill in the mail stating that I have a past due balance of {$100.00}. I have tried calling customer service to dispute this bill but they have refused to help me because I do not have a pin code that they need in order to access my account. I asked to speak with a supervisor and the sales associate refused to get a supervisor on the line. I have been repeatedly failed by XXXX over several years, as my brother has continuously accessed my account and made changes on my account despite all the security protocols XXXX assured me they would put in place to avoid this issue. In XX/XX/XXXX I cancelled 2 lines ( I had a total of 3 lines ) and XXXX convinced me to not cancel the 3rd line so that my brother could take ownership of his line. He never did so the responsibility fell on me. Since XX/XX/XXXX the phone bill has fluctuated every month and XXXX has not even allowed me to see what they are charging me for because I do not have the pin code. This whole experience has been extremely stressful and I refuse to give XXXX any more of my time and money. I do not want to go the legal route and I am hoping that this can be a helpful means to avoid this issue going any further. I have excellent credit, have always paid my bills on time, and have never had any bill go to collections. I need XXXX to take accountability for their lack of security protocols and poor customer service.
Consumer complaint received 2018-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo Dealer Service has charged me an interest rate of 15.999 % on a used vehicle that was purchased in XX/XX/XXXX. When asked to refinance in XX/XX/XXXX, I was denied. I asked for the money to go towards the loan and not the interest rate, in attempt to make my {$290.00} payment of a XXXX XXXX XXXX base a little lower since I was also a XXXX XXXX XXXX XXXX, I was denied the option to put the money towards the base and not the interest. When I spoke to a representative about six months ago from Wells Fargo, I was told I would be able to pay it off with a settlement of about {$6000.00}. When I called back today, I was told that there was not settlement option and then that information was changed to a little of {$7000.00} for a settlement. The numbers provided to me during my phone conversation today were not accurate. When stated the previous conversation and the numbers were wrong, I was put on hold and nobody came back to the line. I will be calling again tomorrow but it is ridiculous how they have handled this situation, the ridiculously high interest rate, the fact they would not let me refinance after a year, and the confusion with numbers and data of my account is astonishing and crook like.
Consumer complaint received 2017-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Chase failed to protect me as a consumer and gave incorrect information in how it relates to filing a claim for a purchase on my account. I made a purchase which I was told by the company had not gone thru due to a verification issue on the bank 's end. They indicated that the initial charge was just temporary and would be released in a few days and that my order was cancelled. After a few days I called back and was told that it needed a few more days for fall off the system and that it was based on the issuing bank for specific time frame. When i contacted my bank I was told by chase that I was required to wait until the merchant issued a credit for a cancelled order which was according to XXXX guidelines. I explained that information is only correct when the cancellation is requested by the customer, when the merchant cancels the order the consumer is NOT required to wait any period of time to file a claim and all that of information can be found in XXXX guidelines. Regardless of this Chase was adamant that I had to wait, per XXXX guidelines, I asked them to send me this documentation that said this which they refused to do. I was forced to wait weeks beyond what I already waited to have the claim filed. When the claim was filed I asked if I needed to provide any documentation or any affidavit/statement of facts to which they said they would contact me if any additional info was required. Many weeks later i checked my account to find that it was over drawn the amount that was credited back for the order I never got and when I called chase they said that they sent me two letters once stipulating that the merchant disputed the claim saying that they showed it was delivered and also that they sent a letter saying the credit would be reversed. I have the letter that they sent about the reversal but nothing about the merchant response. The letter about the reversal came AFTER they had already overdrawn my account despite notice is required to be given at least 10 business days prior to debit account, thus another violation. I asked the rep to check my signature that is on file and easily compared to the one that i supposedly signed and she indicated that they did n't match. This is utter nonsense. Chase failed to comply with the guidelines set in place for handling claims and I am not out almost {$3500.00} because of it. I want this rectified immediately and my funds returned otherwise a legal suit will follow.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I am writing to formally report retaliation by Columbia Debt Recovery aka Genesis Credit Management in response to my initial complaint filed against them. It appears that they have manipulated my credit balance negatively as a form of reprisal. This has also decreased my credit score. They claim they are working on this issue but clearly are not.

I urge the Consumer Financial Protection Bureau to investigate this matter promptly, as it not only undermines the accuracy of my credit report but also raises concerns about the fair treatment of consumers in this process. 

Attached, please find supporting documents for your reference. 

Also, this company has reported the same debt under different " doing business as '' ( DBA ) names on my credit reports. This practice creates confusion and inaccuracies, violating fair credit reporting rules. 

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address this retaliation by Columbia Debt Recovery aka Genesis Credit Management.
Consumer complaint received 2018-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX, Bank of America froze my account of over {$10000.00} and sent most of it to my client who accused me of forging her checks. However, in XX/XX/XXXX I obtained a document from the District Attorney, proving that I am not guilty. The institution stated that I would be unable to re-open an account anywhere for 10 years. Therefore, my business has failed and gaining employment has been difficulty without the means of accommodating their direct deposit method.
Consumer complaint received 2022-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX {$160.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT KOHLS/CAPONE {$1500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$780.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (WI)

Pre XXXX my emails and financial accounts were hacked. Money spent, accounts made, debts caused. Thought it was closed. Learned today multiple accounts made and charged / identity theft still occurring as of XX/XX/XXXX, PayPal refuses to send records police said they can't call or help
Consumer complaint received 2023-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

After filing my dispute with TransUnion verifying this account was accurate and complete after the reinvestigation, I found several inconsistency reporting on this account : XXXX XXXX XXXX Acct. XXXX It is your duty to ensure that all information reported is consistent, fair, and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item immediately. Below are a list and pictures of inaccurate and incomplete information. 

XX/XX/XXXX has XXXX  days late but XXXX show paid. Fix or remove it. TransUnion has XXXX XXXX XXXX days late, XXXX has paid. Fix it or delete it. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX show incomplete data fix it or delete it. TransUnion date last active XX/XX/XXXX. This account was re- age and needs to be deleted for violations because the other XXXX consumer reporting agencies report date last as, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. All XXXX  can't be accurate. 

TransUnion had an opportunity to correct the my consumer report after conducting their investigation but choose to keep these inaccurate and incomplete information on my consumer report, so please delete it from consumer report. If you can't fix all inaccurate and incomplete information you must delete this account.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (LA)

For the last XXXX years or so my address has been : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXXXXXX. Before that as of XX/XX/2012 it was XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, and before that I cant remember the specifics but i believe it was : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Those have been my addresses for approximately the last 15 years. My phone number has been the same since 2012. I think I'm being discriminated against for some reason because I have contacted XXXX, XXXX, and EQUIFAX repeatedly and they refuse to provide me with a copy of my credit reports! All of my info has been the same for years! All of my banking, financial, legal, residential, government, and ALL OTHER info is the same and basically has been since XXXX 

Please investigate the persons in charge of these awful companies and I suspect terminations are in order ( the only question is : who exactly needs to be terminated for not doing their job )! 

THESE COMPANIES HAVE GIVEN ME MULTIPLE PROBLEMS FROM NOT PROVIDING MY REPORTS, CLAIMING NOT TO HAVE MY INFO ( ALTHOUGH I HAVE PAID OFF A NEW VEHICLE, HAVE A LABOR REPORT WITH THE SAME INFO, AND THEY HAVE ABUSED Y REPORTS EVERY POSSIBLE WAY THAT I HAVE WITNESSED! SPEAK TO THE PERSON WHO SIGNS THEIR PAYCHECKS AND MAYBE THAT WILL MAKE THEM DO THEIR JOBS! ( YES I'M UPSET! )
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, 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. (IL)

hard inquiries where not authorized and are impacting my credit report severely.. 
XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Please help. I have a suspicion that My SSN is easily stolen due to the simplicity of the numerals
Consumer complaint received 2018-12-17
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I've recently went through a significant reduction in income due to a re-organization at my employer that resulted in me having to accept a position with lower pay. This has put me in a tough position financially and I am unable to make ends meet. 
On XX/XX/2018 I called USAA to ask for help with regards to a financial hardship program. They stated I did not qualify because I was not past due, and to call back when the account was past due. on XX/XX/2018 I called back as the account was now past due but they advised me that I still did not qualify and were unable to tell me why. I am extremely frustrated as I am trying to not let my finances spiral out of control but without a little bit of cooperation from my creditors I will not be able to continue to hold it together and make my basic living expenses. I have cut down drastically on my unnecessary financial expenses and I am still barely getting by.
Consumer complaint received 2023-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2020 XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXXXXXX I. The amount of {$680.00} its showing XX/XX/XXXX was fraudulently open by my ex-wife, Ive tried numerous times to dispute accuracy with all three credit reporting bureaus and it remains on my credit reports for all three bureaus.after the investigation. 

XXXX XXXX in the amount of {$1100.00} showing XX/XX/XXXX had been on my credit bureaus in excess of 10 years or more, and they refuse to remove it after several attempts and disputes about the accuracy of the account to be removed they will not remove XXXX XXXX in the amount of {$1900.00} showing XX/XX/XXXX Was fraudulently open by my ex-wife another account I have had XXXX XXXX XXXX for the last 11 years Ive never had XXXX before nor have I ever had XXXX  I have always had XXXX XXXX XXXX I dispute it with all three bureaus, and yet they still remain on my credit bureaus
Consumer complaint received 2023-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was looking at my credit reports and notice that There were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting in me for getting approved. I have already reached out to the credit bureau about these inquiries multiple times and they keep violating my rights under 15 USC 1681b right.I have attached hard inquiries That don't have no purpose to be on my credit reports.
Consumer complaint received 2023-11-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK (TX)

I am currently behind in my mortgage and I am trying to sell the home. But it is liens on the home. The house was in foreclosure so to stop the foreclosure I had to sign some papers that added XXXX more to my mortgage. I had no choice. Now I have a offer but the offer does not cover the new amount and the liens. I have asked for a short sale once before and the liens would not accept less. Here we are in the same position. I feel the mortgage company is trying to make this house go into foreclosure again so they can take the house. I have tried everything I can to sell this house. But they refuse to go down on the price of the house. Or at least honor the original price so the house can be sold. I will not get a dime out of this house. And I am okay with this. I just want the house sold. But no one wants to work with me. This house has ruined my credit since covid. It's almost year later and I can not get any assistance with selling this home