davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Dobberstein Law Firm, LLC (WI)

I got sued after Dobberstein Law firm purposely tried to have it served at wrong address to get the judgement in their favor than after it was in their favor sent me a copy of the complaint. Never once have I received the original amount of what the loan was where all the interest came from. I have just like others as there is a laundry list of people they have done this too. Than I sent a letter to the court regarding this along with a garnishment statement filled out and shocker under the federal poverty level. Now with ZERO contact from these people they have successfully had my check garnished by sending the garnishment paperwork to the wrong address. The amounts are above the 4 % yearly allowed post judgement interest. The original judgement amount was {$2900.00} somehow now is {$3600.00} plus dollars and I still dont even know how its {$2900.00} cause I have never gotten any paperwork I asked about including original loan paperwork. They know where I work they know where to send letters to my actual address not a prior address just so they can get a garnishment to go through. This law firm if you can even call that keeps to this to so many people and everyone complains files complaints and nothing happens to them and the keep getting away with unlawful collection practices repeatedly
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OR)

We have a business checking account with Fifth Third Bank in XXXX, XXXX Their minimum balance for service fee waiver was {$25000.00}, which we maintained easily. However, in XX/XX/2022, they raised this minimum balance requirement to {$50000.00} ( a 100 % increase ) and the service fee was also increased to $ XXXX ( from a previous $ XXXX ). We did not receive proper notification of such action. While checking year end status of our business account, I noticed that there had been a monthly service fee of {$50.00} applied since XX/XX/2022 with a foot note stating the reason of us not having a $ XXXX average balance. We went through our XXXX mails and emails and could not find a notification of this change by the bank. So, we called the bank 's business customer service line and talked with XXXX and explained our situation. He insisted that a mail had been sent, we stated that we hadn't received such a mail and perhaps this could have been misplaced by the post-office or bank 's mail room. He only agreed to waive one month charge, leaving us with a {$100.00} service charge on our account. 

following this we went through bank 's statements on their web portal. The first page of XX/XX/2022 statement was regular as before, but on the second page there was a notification of their intent to increase the minimum balance requirement by 100 % in XXXX. 

My contention is that this was not a proper notification of such a monumental change in their business practice, where customers ' minimum balance requirement was to be increased by 100 %. There should have been an email or a regular mail in addition to notification to the customer during the first month of implementation that the customer is now being charge and should consider corrective action or move the account to another bank. 

I consider it poor banking and business practice to sneak in a monumental change in minimum balance requirements by adding a page to monthly statements.
Consumer complaint received 2024-01-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO Bank, N.A. (MI)

When BMO bought by bank, Bank of the West, my loan was in default. Because it was in default, the HELOC was never put into my online banking profile ( this was confirmed by HELOC servicing personnel ). I was told that when my loan was current it would display. I confirmed today when I called BMO that my loan is current. However I still do not have access to it in online banking.

While this may seem trivial, it is not. When I call in to get service for my loan, I am bombarded by a litany of questions about my loan. Today, XX/XX/XXXX, I was asked what my current interest rate is. I have my statement dated XX/XX/23 that says it is 10.0000 % but apparently between this statement and my call the rate has changed. I told the representative that I had only received my XXXX statement so she suggested I look up the information online. But obviously I can't do that ( see above ). 

Since I could not look up the information online, she could not further help me with the call because I did not pass all of the security questions. This includes not being able to transfer me to a supervisor. 

At this point I am unable to manage my loan. I do not have online access and representatives at BMO will refuse to help me. 

This is no way to treat a customer who is trying to service their loan.
Consumer complaint received 2024-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MD)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. Iam attaching proof that Equifax has admitted that XXXX was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX. XXXX I sent my FTC report and PA license to XXXX, Equifax, and XXXX. I did not authorize these fraudulent accounts. I will be filing a civil suit for the reporting of fraudulent accounts on my consumer report.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

one fine Morning of JXX/XX/XXXX, I found my Checking A/c abruptly closed without citing any reasons. 
The account balance was overdrawn and I had a provision to do so by the dint of contract with the Bank, Wells Fargo. 
Upon taking up with them it was informed after a lot of push that a low balance did not warrant the Bank to assign any cause ( this is untrue ). 
I had written to the Bank that I am in Financial distress and that I would make it good soon. 
They simply ignored it. 
I have been Banking with them Since XX/XX/XXXX. 
I am not able to pay mu school fees as my payments are linked to it. 
XXXX requests and correspondence did not help.
Consumer complaint received 2024-01-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Arivo Acceptance, LLC (AR)

I purchased the vehicle in XX/XX/2023. The lender reported the purchase. They have not reported a single payment since then, which is negatively impacting my credit. They told me in XX/XX/2023 that they were working on it, and should have it resolved in 60 days. It is now XXXX and I'm being told the exact same thing. I made this purchase NINE MONTHS ago. They should have this resolved by now. I am trying to purchase a home, and this is preventing that! 

I have attached screenshots showing my payments, and that my account is in perfect standing.
Consumer complaint received 2024-01-12
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: Consolidated Management Group, LLC (MI)

I received credit card I made my first payment early for XXXX dollars. And then I received notice I authorized a payment of XXXX to pay on credit card ( of which I did Not ) I authorized a payment of XXXX to be paid for my credit card on XXXX XXXX I had about {$9.00} in my bank account my account is now overdrawn by XXXX taking this amount of which was not in my checking account has me overdrawn I haven't received my SS check and now my XXXX scores have dropped XXXX points over drawn bank account for which they said I authorized I DID Not AUTHORIZE A Payment
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One charged me late fee and interest fee even though I tried to make the payment. This is because of their system restriction with the autopay, which prohibited me from making manual payments. 

I had a payment due on XX/XX/17. It was paid on autopay on XX/XX/17. I realized that same day that the payment was not going to go through in that autopay account and the payment was going to be rejected. I tried to make the payment via another bank account on the same day. However, Capital One 's system refused to allow me to make a payment on XX/XX/17, stating " you can not schedule a payment for this account ''. I made a payment as soon as I realize Capital One 's restriction lifted. However, capital one had already charged me an interest fee and a late fee despite their restriction for me to pay. I called and was unable to waive the fees.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2023 : I received several letters from the Wells Fargo Bank Customer Care Department requesting a phone call. I executed the calls for each letter attached and made notes on whom and at what time I spoke. The resolution, as promised, for all the inconveniences was provided on a recorded line 30 days ago. So I called back towards the end of XXXX once again and still got the same response. Someone needs to do their duties and provide the appropriate final results within the promised delivery date. We are now heading 60 days and still waiting for results.
Consumer complaint received 2023-04-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I recently spoke with a representative regarding the reason for denial stating Wells Fargo made a credit post decision from XX/XX/XXXX when I didnt open my loan until XX/XX/XXXX. Also Wells Fargo discussed Mortgage assistance options with someone that I didnt authorize to speak on my behalf and who never was on the mortgage or the note. I personally never received payment options and I have the income to afford payments
Consumer complaint received 2024-01-12
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

I used the Synchrony Amazon Store Card. When it was time to make payments, I would go on the website and the website said " we are having technical difficulties and can not not access your account. Try again later. '' This happened 90 % of the time. It wouldn't let me access my account or look at statements. I incurred late fees, and each time I tried to pay, I would incur interest because it wouldn't let me pay them. CRAZZY.

I cancelled the account, and paid interest for the late fees.

This is an awful credit card, and the only time in my life ( I am XXXX ) that I have had this kind of trouble paying a card. I have an XXXX credit rating. 

I do not recommend this card to anyone. Avoid it!
Consumer complaint received 2018-07-24
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. (PA)

XXXX XXXX is fraud. Im an resident here in XXXX. How can i get this money. This is alot of money. I never had this loan I told them agian now they say its the credit bureau. They feel like im a fool. i spoke to someone they said I can get a ftc and file a suit against them, This is illegal
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (FL)

This is the second issue I have with this company stating that my balances were not paid this is a company that my bank account is linked too and the payments are on auto pay I have no idea how I had a late payment on my credit file if I did not pay late I did not receive an email any notification my bank account has always been linked not disconnected and my account was charged every month on time I dont understand how I have a late payment for {$20.00} when it makes no sense o. All my payment history each month seems to be paid and now I have a late payment on my credit profile and I have been paying on time this bank issue is not my fault if they dont contact me how am I supposed to know what is going on with my account. I can not have a late payment on my credit file if its not my fault at all I have big projects coming up and this is really inconvenient for me over a company that seems to have issues with their system
Consumer complaint received 2023-11-20
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. (NV)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

*15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse tem of information, other than records of convictions of crimes which antedates the report by mote than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
DELETE THE ACCOUNTS BELOW
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXX/XX/XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX IN XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX, IL XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Reach Financial LLC (PA)

What Happened- I took advantage of an offer from XXXX for debt consolidation. I applied and was matched with Liberty Lending. On XX/XX/2022, I was sent an email that stated that my load had been approved and this was the final review. I have this email, both saved and printed out. On Tuesday XX/XX/2022, I received a voice mail from Liberty Lending asking me to call back in because they had an update on my loan. I called back in and was told that my loan was being denied, but Liberty Lending has this awesome partner agency, that could help me and if I would like Liberty Lending could put me in touch with them. I thanked the representative for their time. 

I called back and asked for an adverse action letter, and to make sure that I would not be charged the {$440.00} payment due to come out on XX/XX/2022 printed on the XXXX statement. I was unable to get a straight answer and I was refused an adverse action letter. It appears that Liberty Lendings original offer was not genuine and that my application was always meant for this partner agency which was not mentioned in the XXXX statement. I feel that I am the victim of bait and switch. 

I also reached out to Liberty Lending via email to state my displeasure. 

I just checked the website today XXXX and their dash board is set up like I am receiving this loan. This is after I was told that I was denied. 



Thank you
Consumer complaint received 2024-01-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MD)

First, they make it known the calls are recorded. The week of XX/XX/2024, I called Ally bank to ask for payment assistance. I could not work full time when I was in XXXX XXXX  so it set me back with some bills as I am the only one financially supporting my family. Ally stated they could help if I made a full car payment by the end of the week as well as an additional {$65.00} and some change by this past Tuesday. I did exactly that and tried to call them soon after for the extension. My calls were picked up and then I was hung up on. I was finally able to get someone today and they told me sorry they told you that but I didnt qualify for the extension. Why lie to me and then as I mentioned to them the calls are recorded. The agent even said he was notating the account for the payment arrangement and they are no honoring what was told to me.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WA)

I just filed CFPB Complaint # XXXX, which, thank you, had been promptly forwarded to Citi Cards. On XX/XX/2017 I received a phone call/ voice mail message from XXXX , Citi Cards Executive Branch, XXXX, saying she would be investigating, and if I wanted to provide additional comment/questions. Well, although I appreciated the call, I did n't think it would be necessary to call her back, until this morning XX/XX/2017. 
When I received email notification of a new e-communication regarding the billing dispute. the e-communication when I opened the link to what is a closed account as of XX/XX/2017 was dated XX/XX/2017 and starts making reference to " credit slip '' which that was the first I heard about that. So out of curiosity, since something felt very odd about this new communication, clearly done in response to the CFPB complaint, I re-opened Citi 's XX/XX/2017 e-communication, and it 's a completely gone, and instead has been replaced with completely new language, with the original XX/XX/2017 date, and conveniently referencing " credit slip ''. Absolutely incredulous. 
I do n't know how this can be independently reviewed by Citi, since the four days of filing the complaint, they 've just been scurrying around creating documentation, instead of handling the original dispute of XX/XX/2017. Citi 's doing exactly what the vendor in the original dispute did, creating materials fraudulently to support their agenda.
Consumer complaint received 2024-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a credit card with Bank of America. I paid it off directly with them and they were supposed to remove 30 days later. Its been over a year and it is still reporting on my account after u paid it off. Can this please get removed as I do not owe them anything at all.
Consumer complaint received 2024-01-12
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. (MO)

It's unacceptable but now my research tells this happens by the hundreds of thousands of complaints on this company that this is still happening to me show the insane manner in which the fraudulent company treats people
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2022-12-21
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. (IL)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/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  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (SC)

IVE APPLIED NUMEROUS TIMES AT WELLS FARGO BANK TO OPEN AN ACCOUNT, TO GET TOLD I CANT, THEY ARE A SECOND CHANCE BANK, IVE NEVER HAD AN ACCOUNT WITH THEM, NOR DO I OWE THEM ANYTHING. I WOULD LIKE TO OPEN AN ACCOUNT WITH THEM, PLEASE HELP. THE INFORMATION I TRYED TO OPEN THE ACCOUNT IN IS AS FOLLOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX