davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

Subject : Complaint Regarding Payment Handling by Wells Fargo Bank Dear CFPB, I am writing to file a continued complaint against Wells Fargo Bank for their handling of payment irregularities. 

I made a repayment on XX/XX/2023, and after the funds were successfully received, I encountered a second payment, causing an overdraft in my XXXX checking account. Consequently, I contacted XXXX to dispute the duplicate transfer made on XX/XX/2023. 

However, Wells Fargo 's actions are concerning ; they have erroneously classified my XX/XX/2023 payment as an adjustment, technically delaying my repayment by XXXX days and insisting on interest payment. 

I urge the authorities to monitor such rogue practices by Wells Fargo. 

Sincerely, XXXX
Consumer complaint received 2023-12-24
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Data Mortgage Inc. (NV)

i complained before that i was told by my mortgage company to file a complaint here when they refused to remove information from my credit report that shouldn't be there... .they answered here making a series of false statements regarding why they did this ... .you informed me and closed the case... ..fine whatever we move on ... .now the issue is that the mortgage company continuously is reporting this account as XXXX days past due when this is not the case at all ... .XXXX XXXX XXXX XXXX XXXXs as well as additional money for a few extra months which should show the account as ahead as of XX/XX/XXXX or XXXX ... ..why they would go and report the account again as XXXX  days past due after the money has been disbursed a month later is beyond me... XXXX XXXX i received a credit alert that they did this and i have put in several disputes through the credit bureaus and which each time they have still persisted with the credit bureaus that as of XXXX my account is XXXX days past due when its not ... ..i reached out to them through email as i have been told time and time again to do and noone ever bothers answering any emails to address this issue... ..being frustrated i reached out to XXXX XXXXXXXX just to make sure that in fact they did disburse the money to the mortgage company in which they told me they did so and that the mortgage company receives the money immediately after disbursement .... but it can sometimes take them awhile to apply the money to the account... that is all fine and good however continually reporting the account when you have the money is not ok ... if it takes them awhile to apply the funds that is a problem with that company and not me ... ... and the account should not be reported as delinquent when they are already in possession of those funds... .how is this ok? ... .please see attached conversations with XXXX XXXX
Consumer complaint received 2023-12-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a debt collection notice from Midland Credit Management XXXX XXXXXX/XX/2023. 

I called MCM XXXX XXXXXX/XX/2023. Spoke to XXXX and he would not let me speak while he kept interrupting me. I then asked to speak to a supervisor. XXXX kept being rude and I said this an alleged debt and I would like to dispute the claim. XXXX said there was no supervisor to speak to. I said please let me know when I could call back to talk to the supervisor? XXXX then said " I will make a note that you ae refusing to pay '' then proceeded to hang up on me. I did record the entire call. 

I then sent a certified validation letter on XX/XX/2023. 

XXXX XXXX XXXX XXXX XXXX I have not received a response to my request.
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (GA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2017-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc (OH)

XXXX   XXXX  failed to record a tool rental return. They have now billed me an amount, far in excess of the tool in question, and handed that debt to a collection agency without contacting me and despite my repeated calls and emails to  XXXX   XXXX .   I am now being harassed in writing by  Vengroff Williams Inc .     I should be removed from this list and not contacted again.
Consumer complaint received 2022-12-30
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. (GA)

There is fraudulent, inaccurate as well as unverifiable information being reported on my credit report that is damaging my credit worthiness according to Section 609 ( d ) of the Fair Credit Reporting Act they must be removed immediately. 

Experian : 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 DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 2023-12-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Early Warning Services, LLC (PA)

I received a call on XXXX XXXX it said from XXXX XXXX XXXX XXXX XXXX XXXX. They said they were from the fraud dept. I was asked if I made purchases from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I told them No i didn't make those purchases. They sent me a text unusual activity on debit card XXXX for XXXX from XXXX XXXX, XXXX XXXX, Florida. I was instructed to click Yes and they would dispute these charges and get my money back into my accounts. They read my ss number to me. They also said they had my PIN numbers. Then they said as a courtesy they would contact XXXX fraud dept. for me. Then someone got on the phone saying they was with XXXX  fraud dept. I was told someone made a request for payment through Zelle. A male posing as a supervisor. They instructed me to sign up for Zelle and say Yes to the payment request. I was told that XXXX was the supervisor. He would freeze my checking account and set up a new checking account and he would put the money back in the new account. He said someone would phone me on Friday morning. I went to XXXX XXXX XXXX. They said they didn't phone me and there was no employee named XXXX XXXX ( the name I was given when they called me Thursday. They closed all my accounts and gave me a new account number and new debit cards. I then went to XXXX  bank and disputed the Zelle payments. XXXX  closed my account and gave me a new account number and debit card
Consumer complaint received 2023-07-02
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: EQUIFAX, INC. (TX)

this account XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (OK)

I paid my card off in XX/XX/XXXX with American Express XXXX XXXX & had them close the account. I was assured account was closed & I wouldn't recieve anymore charges but in XX/XX/XXXX I was sent a message stating I owed {$40.00}, called the company & they verified that the account was closed but they wouldn't take off the fees that they caused. I was told in XXXX the amount I owed & paid it that day. There should have not been any other fees attached but still charged me fees. I tried to get the fees dismissed but they wouldn't which lead to a confortation due to my frustration with this company & their unwillling to remove the charges. I was forced to pay the amount because they ruined my credit.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXXXXXX XXXX XXXX is reporting my account 60 days late however it also states the balance is XXXX. My payment is XXXX so couldnt be 60 days late. They have for two months not posted my payments correctly and I am demanding this be corrected I should be having an up to date report. I should be listed as current and nothing past due. They need to update my account
Consumer complaint received 2023-12-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (VA)

XX/XX/ i moved from XXXX XXXX notified corp office i dropped the keys in the rent office box via email. Site manager XXXX XXXX emailed me and stated i can put keys in mailbox I do not owe XXXX  anything my rent was paid in full XXXX took my deposit I now have a collection agency on my credit report hunter warfield inc located in XXXX florida. XXXX XXXX XXXX it shows XXXX opened i wasnt there this is a scam and fraud
Consumer complaint received 2023-10-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: HOMESTAR FINANCIAL CORPORATION (GA)

Homestar Financial Services reported my mortgage as 120 days late even though I was working on a mortgage modification with them and they transferred my mortgage before the modification was complete. 

The company negligently transferred my mortgage to another lender without finishing the mortgage modification process, violated the law by reporting my mortgage as late AFTER transferring my mortgage less than 60 days ago, and refuses to fix the situation because 'they don't have my mortgage anymore '.
Consumer complaint received 2023-11-14
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: EQUIFAX, INC. (GA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

PROBLEM : MORTGAGE SERVICER MR. COOPER SHOWS AN ERROUNOUS XXXX XXXX ESCROW AMOUNT FOR YEAR XXXX IN DUPLICATE {$2800.00}. MR. COOPER HAS BEEN UNABLE TO SOLVE THIS DUPLICATE AMOUNT CITING THAT PARSELS AND AMOUNTS ARE CORRECT BASED ON TOWN WEBSITE. I HAVE BEEN IN CONTACT WITH MR. COOPER SINCE XX/XX/XXXX TO NO AVAIL. I AM CURRENT WITH MY MORTGAGE PAYMENTS. HOWEVER, THE SUBSTANTIAL AMOUNT OF ESCROW HAS INCREASED MY MORTGAGE PAYMENTS BY MORE THAN 10 % A MONTH CAUSING AN UNDUE HARDSHIP.
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I'm XXXX XXXX, a customer of HSBC Bank USA, N.A. I had a checking account : XXXX and a saving account : XXXX. 
On XX/XX/2023. HSBC Bank USA, N.A. sent a letter to my mailing address, saying that they are going to close my account by XX/XX/2023, due to the Rules of HSBC Bank USA. After I read the rules, I definitely confirmed that I didn't do anything not allowed by rules they provided. All I do is transfer my money from my own another account to the HSBC, and use debit card to shopping or ACH to XXXX. These are all standard use of a bank account in USA. I have asked their to provide the reason, but they said they have the right to close my account without any reason just like I agreed when I open this account. So they closed my account and didn't provide any reason. 
After that, they made another poor operation. They uploaded my information to HSBC Group and HSBC in other countries, they transfer my private information abroad without my agreement! Then, they use this information to ask HSBC in other countries also close my account, also without any reason, especially I didn't break any rule provided by HSBC USA.
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 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 2023-12-23
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: U.S. BANCORP (IL)

Well early this year about XX/XX/2023, I've had approximately {$10000.00} in Charges. I had another card with 7 % interest, so I sent approximately {$7000.00} from that card to USBank in order to get my monthly payment down to a comfortable level that I could afford. My balance was only approximately {$2500.00} at the time. I was happy with that because my minimum payment due was {$40.00}. It went from about $ XXXX {$40.00}. So naturally I wasn't going to use my USBank card anymore because of the 28 % interest. In the last 3 months I only used this card very little in the last 3 months and then my card was shut off due to fraud is what they told me. The USBank customer service rep told me that in the past 3 months over {$14000.00} was charged to this card. That did not happen, and I have a feeling that the fraud is within the Bank itself. Just like the XXXX XXXX fiasco. They sent me the statements and I can not make heads or tails out of them. Because of this my credit score dropped from XXXX is what they told me. I really do think that this bank is corrupt. I mean what customer that makes an effort to pay down his interest rate is going to turn around and then charge {$14000.00} to that same account. Plus I pay all my other XXXX credit cards are on time including this one. I feel that I am trapped with these people and had a zoom conference for bankruptcy. I don't want to go that route. Please help!!!!!
Consumer complaint received 2023-12-23
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: Lockhart, Morris & Montgomery Inc. (NY)

I sent a letter out on XX/XX/XXXX to LOCKAHART MORRIS & MONTGOMERY However they said the completed investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation
Consumer complaint received 2024-04-15
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC. (OK)

I have a XXXX XXXX card from XXXX  on equifax. That card automatically adds money from any deposits. I received my taxes on XXXX  way back in XXXX. Equifax dropped my score XXXX points from the deposit. I disputed it and explained that it comes from my money. It's not a balance I owe. Equifax will not put the points back on my score.
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IN)

Yesterday night I called to close my Chime banking account. I was not using it, and I realized that I didnt want to worry about the security of an account I did not use. The balance was low, but positive. Somewhere around {$0.00} or so. 

When I spoke with the CSR, she said that if I closed the account with them I could never open another one. Now, Ive not run into a reputable bank that bans you forever for closing an account in good standing, but I figured if thats how it is I probably dont want to come back anyway so its okay. 

Then I get an email that says Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. 

So they made it sound like I did something wrong, it was their idea to break up with me, and now they might do the equivalent of calling my boss to say Im a terrible person in order to get me fired, like reporting my account as in poor standing to whatever system the banks use that I dont understand and dont know how to dispute.

Its anxiety provoking and extremely shady. Worse, I dont know how to guard against any negative impact from it. I have no idea if this breaks any rules. I know nothing about banking. But I do know this is definitely not okay.
Consumer complaint received 2023-12-22
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MO)

In late XXXX I made a purchase for {$330.00}. 
In the first week of XXXX I received my first bill. 
I paid {$330.00} on XXXX XXXX XXXX 
I received a second bill on XX/XX/XXXX, saying that I was late and owed late fees. 
I paid {$41.00} on XX/XX/XXXX. 
I received a bill with XXXX payments credited in XXXX and additional late fees. I called several of their phone numbers and talked to several individuals for about 2 hours ( all holds, and multiple transfers, call times combined ) to dispute this. They said I needed to provide proof of payment. Which I provided via mail. 
I received another bill in XXXX with XXXX payments credited and more late fees. 
I received a letter saying that the proof of payment from my bank was unacceptable. 
I went to the bank and obtained scans of the front and back of both checks and mailed them to Comenity with a request that they acknowledge payments, remove late fees, and close the account. 
I received another bill in XXXX with XXXX payments credited and more late fees. 
I received a letter on XX/XX/XXXX saying that they don't accept my proof of payment, I should contact the company that cashed the checks, and I still owe the full balance and all fees. 
I did contact the bank that cashed the checks, and they said it is illegal for them to confirm payment of my own check, or to tell me anything about any of their account holders. I can provide these checks to you. 
Oh, I also received between 3 and 12 phone calls per day for about 2 months, including before I received the first bill. When I called in XXXX I told them I would report the harassing robo phone calls, and the calls did stop after that day. 
I can provide proof of payment.
Consumer complaint received 2023-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (NC)

I received a letter from Credit Control , LLC on XXXX stating I owe a debt to XXXX XXXX in the amount of {$14000.00} but In fact I don't owe anything to Lending Club with the account number ending in XXXX. I sent a dispute to Credit Control LLC letting them I am disputing this debt owed and to send me the contract along with all payments made to XXXX XXXX and that XXXX XXXX on XXXX sent me an email stating my account was sold to XXXX XXXX XXXX and that I no longer owed the debt to them and it was marked as paid in full. Credit Control LLC gave me until XXXX to file my dispute with them but I filed it on XXXX via email at XXXX and to this day I haven't received any contract or a payment history showing payments made to XXXX XXXX or showing that the debt has been paid to XXXX XXXX who now no longer owns the account.