davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WELLS FARGO & COMPANY (CA)

I did a Credit card transfer from Wells Fargo to a local credit union. Wells fargo didnt has since continued to charge interest on my card when the account has been closed for 3 months. They are saying its user error even though I gave everything I needed to for the Credit Union
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I XXXX XXXX XXXX XXXX  had a checking account with wells Fargo, in XXXX  I paid my service bills as usual with my debit card. XXXX was paid but apparently water was not. 
The water company shut my service off for non payment, it was around XXXX XXXX as I was behind in payments and honestly was struggling. I didn't have a lot of money so all of my check went to my bank account to pay for this services and I made sure it was enough. 
My water got shut off, the bank didn't have my money back, I had to pay reconnection fees and they ended up closing my account because I was never able to get a response from them, I filed with you at the beginning of XXXX  and they contacted me but after a couple of calls and them " not finding information '' but they did find my account, they just stopped answering my calls and all communication just stopped without explanation. 
At the time my XXXX  was just a XXXX XXXX and I have XXXX XXXX. We went without running water for a month until I had enough money to pay my water bill.
Consumer complaint received 2023-04-22
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)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched 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/block any items 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, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$5600.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, XXXX, I carried XXXX {$100.00} bills to Chase ATM XXXX the following address : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. 
I used XXXX of the ATMs to deposit the money. After I insert all the cash inside, the ATM ran for a while and showed " we are having trouble ''. Then the machine provided me a receipt which asked me to call XXXX at XXXX. 

There is no amount of bills on the receipt. The only information it has is Term ID : CA XXXX and the Sequence # XXXX. 

I went in the bank branch but I didn't bring my id with me so they refused to investigate this but ask me to call the number which the bank is about to close. 

I immediately called the number and, after multiple transfers and calling new numbers, the customer representative filed a claim and says they will do an investigation and report back in XXXX business days. 

It is ridiculous the ATM ate the money and is unable to recalibrate the machine to make it right. I have heard multiple cases online that people are not receiving right amount of money after the investigation. 

The {$9000.00} is crucial for my whole family 's life. We need it ASAP for rental, food and other necessities of life. The issue is happening on XXXX of the largest banks in the state which is very disappointed. 

Hope I can get my money back XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CO)

I submitted a complaint already and attached a court order to be removed from this loan. 

I have attached a COURT ORDER that EXPLICITLY STATES XXXX is solely responsible for these student loans. 

The Complaint was closed with a letter from the company stating that I simply " did not want '' to be a co-signer on this loan. They disregarded the court order. 

COURT ORDER FOR REMOVAL IS ATTACHED. 

Please see section IV - 1 which states " Wife shall be solely responsible for her student loan debt. '' I have emailed Nelnet directly on XX/XX/XXXX, XXXX, XXXX, + XX/XX/XXXX, but have not recieved a response from them pertaining to this.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I recently noticed on my credit that there is a listing of a company name XXXX XXXX which they claim " i owe {$860.00} '' this information is incorrect and its hurting me financially. 
I contacted the company by register mail two times back in XXXX and XXXX of 2018 asking the removal of this incorrect listing. I stated that this account was not mine. 
They reply by sending me photo copies of a bill from XXXX claiming that " I owe {$860.00}, the XXXX bill had an unknown address and it was not on my name. I called the company on XX/XX/18 and the agent told me that the only way they consider the removal of the listing is by filing a police report as an identity theft case, I don't believe my identity was stolen, I believe it was a clerical error by the original creditor or by the collection company is reporting it. I wont file an identity theft because the credit bureaus may flag my credit or put a temporary lock on my credit which I believe is not necessary. it will damage me more in case I need to applied for credit.
Consumer complaint received 2024-05-29
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. (WI)

I have been dealing with having debts that are not mine removed. All 3 credit bureaus to this date has NOT provided me with any information I have asked for and COMPLETELY IGNORED my last request for ....

1. The name and address of the original creditor 2. The original date of delinquency and amount owed 3. A copy of the original contract or other documents bearing my signature I have sent several letters .... 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Several letters in between for the information " THEY '' asked for I was completely ignored on the last letter!!!! I have also been presented with " stalling tactics '' All letters I have sent I enclosed a front and back copy of my license, and current utility bill. When it gets close to the 30 day mark I have received letters stating that I had to send in a copy of license and utility bill AGAIN, because it was CLAIMED it was not " CLEAR '' enough. This is not true!!!! I am also getting the run around, I called XXXX, and was told I needed to contact Equifax or XXXX to have it removed .... Since when is this the way it works? I also contacted Equifax and spoke to a " supervisor '' and questioned WHY I have to send yet another copy of the same thing I already sent. He claimed it was not legible, however when I asked if he personally seen it, he could not answer me, and I know it was as clear as day, and this is after I sent them several other copies that they continue to ask for. Please be advised that all letters sent to all bureaus, were sent certified mail.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is displaying a balance of XXXX dollars on my credit reports but when i log into the site my balance is XXXX AND WHEN i call on the phone i have no balance. the last update i saw for XXXX XXXX was XX/XX/XXXX and it shows i have a balance of XXXX dollars on all my reports. This has been this way for months, this unacceptable and false information.
Consumer complaint received 2023-09-19
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Both of my accounts were permanently closed on XX/XX/, and XX/XX/, respectively. At the time of closure, there was a balance of {$15000.00} in my checking account and {$4000.00} in my savings account. These funds were not returned to me following the account closures. 

I have contacted customer service numerous times. Based on these conversations, I understand that my accounts were flagged as fraudulent. It was explained that the remaining balances were considered suspicious because they were transferred via XXXX, making it difficult for the bank to verify the legitimacy and intent of these transactions. Additionally, I was informed that some transactions were reported as fraudulent and consequently reversed to the sender. 

Upon reviewing my account 's incoming XXXX transaction history, I noted that all but seven transactions were from friends of mine so they will not be reported. The remaining seven transactions were from individuals I do not recognize. However, I am prepared to provide explanations and evidence to justify these seven transactions. 

On XX/XX/XXXX, I engaged in a currency exchange with an individual based in New York, conducted online. I transferred XXXX XXXX XXXX to him, in exchange for XXXX USD. There is a notarized translation of our chat history confirming this exchange among my supporting documents. 

Unexpectedly, I received the XXXX USD over XXXX days, XX/XX/XXXX and XX/XX/XXXX, through XXXX separate transactions from accounts with names I did not recognize. This approach initially confused me, but the individual later explained that it was due to a daily limit on outgoing XXXX transfers. Here are the details of these XXXX transactions : XX/XX/XXXX : XXXX. XXXX XXXX : {$240.00} XXXX. XXXX XXXX : {$420.00} XXXX. XXXX XXXX : {$470.00} XXXX. XXXX XXXX : {$490.00} XXXX. XXXX XXXX : {$490.00} XX/XX/XXXX : XXXX. XXXX XXXX : {$490.00} XXXX. XXXX XXXX : {$490.00} These transactions constitute all the funds received from unfamiliar accounts. Apart from these, I recognize every other XXXX sender. 

To further substantiate the legitimacy of the transactions, I have spent considerable time gathering notarized letters from my friends who have made significant XXXX transactions with me throughout 2023. These documents, evidencing the willingness and voluntariness of the transactions, are also included in my supporting documents.
Consumer complaint received 2023-04-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NJ)

On XX/XX/XXXX I purchased a new XXXX XXXX XXXX in full. I then purchased that same day an insurance policy with Progressive Auto Insurance, which I also paid a full term of insurance in 1 full payment in the amount of {$5900.00}. My policy number was XXXX. Now its very important to know 2 very important things that have Progressive contradict their arguments about me owing any amount of money to them : 1 ) my policy went into effect on XX/XX/XXXX, XXXX XXXX, XXXX approximately a month after purchasing my new vehicle due to the dealership needing to ship it from California because I discovered the vehicle on Fords website and was willing to be patient enough to wait. 2 ) its not possible to owe progressive auto insurance or owe money for anything that includes progressive insurance because I have only had progressive insurance for the one aforementioned policy/period above in XXXX ( on my credit report it shows a complete different year of coverage in XXXX ). Which means that I didnt make only one payment for auto insurance in full satisfaction. I have concrete proof of everything that I explained to a T, because I will be attaching the all applicable documents of my policy declaration which corroborates everything that Im disputing directly disproves any monetary value owed to Progressive insurance. Despite me having to explain everything that I am explaining now for the 4th time & be denied by XXXX of the obvious mistake that is negatively impacting my credit score Im trying so hard to develop responsibly. It remains a heavy burden on growing my credit score effectively and progressive seemed to only care about me as a customer when money was involved. So now a collection company is involved Caine & Weiner harassing me and ruining my progress made with my credit score for the owed amount {$1400.00}, I have proof that I paid every XXXX in one single transaction. I demand justice and the right course of action be taken to remedy this situation please. Thank you.
Consumer complaint received 2024-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (OR)

On XX/XX/XXXX, I discovered on my XXXX credit report that I had a delinquent medical account in collections. According to XXXX, the collections account was opened in the amount of {$1700.00} by Wakefield & Associates on XX/XX/XXXX, and the original creditor was XXXX XXXX XXXX XXXX 

At no time was I previously contacted by Wakefield & Associates, stating I owed this debt. In addition, I did not receive written notice of the collection attempt, and I did not have the ability to verify or dispute this debt prior to the reporting of this debt to the major credit bureaus.
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

When I XXXX open a Wellsfargo checking account back in 2010 or so. Almost every month for quite sometimes my checking account were getting overdraft fees almost most of all the time and because of that I found myself struggling financially. Recently I've apply for a Wellsfargo visa credit card and when making payments I've noticed my balance it gets higher instead lower balance and it's kind if confusing to read the statements, cause it really doesn't show you the previous balances to confirm if your current payment has lower the current balance. They Also charge to many overseas fees, is one issue I don't understand. Thanks
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WV)

AMEX talked me into getting a business card and said the annual fee would be waived like my platinum card because Im XXXX. They charged the annual fee and will not refund it even thought I turned in all the paperwork multiple times and was promised to have it waived. Ive called multiple times and have requested a call back from a supervisor but havent heard back. They charged me another annual fee the following year and have been tacking on interest on the wrongfully charged fees and will not remove them and the interest. I asked to close both cards and they refuse. Now they have collection agencies contacting me.
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

PHEEA and AES has been deceiving me and lying to me for years. I have been paying them on time for private and federal loans for decades. I have repeatedly asked, and presented them research that they were not allowed to keep collecting from me after I had been in payment for XXXX years. They denied. they concealed all the information from me. I moved the private loan to a different provider, who immediately forgave the entire debt, confirming that AES and PHEEA have been lying to me for years. 
AES/XXXX/Pheaa ( whatever their name is ) refused to send me a letter that me paying does not mean I admit to owing them money. I asked them to give me wire transfer information and the information to send checks. I am only paying due to their threats to defame me at the credit bureaus. I wrote numerous checks to them with the information they gave me. And I sent multiple wires to the wire transfer information they gave me. they did receive all the money -- many times my so-called " overdue '' amount. They refused to recognize, and did not update their website with the amount of money they took. I complained, and they immediately disabled my web account. therefore they are withholding all information about my account, since I do not have paper billing with them. I have written and called. They refuse to give me access online. They refuse to return the money I paid. 
I will now need to bring a lawsuit to collect stop payment fees I will need to pay to my bank, and for a return of the money that they stole without crediting my account. 
They refuse to tell me their actual company name, address for service of process, my account number, or any information at all about how to enforce my rights.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Late payment was placed on credit report my Reporting agency and its an error! Ive made all payment on time to the account and it was paid in full and closed. I dont know how it happen but its incorrect and Id like this account updated XXXX XXXX XXXX ( XXXX XXXX ) to paid on time as agreed never late immediately!
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX I made a XXXX payment of {$600.00} to XXXX XXXX whom was supposed to to sale me a XXXX XXXX, they told me I have to send when they arrive its policy, I sent {$600.00} when they sent me the arrived picture I go downstairs no one there and Im blocked on everything, I explained this to my bank they told me in 1-10 business days money will be credited back in my account and a decision will be emailed to me in 30 days. A week later I called after not receiving a email or anything related to this claim to find out they declined my dispute without any actual reason, I filed again XX/XX/2023 after hearing claim denied to later go through the same situation and theyre basically telling me since I used a third party to send the money ( XXXX XXXX who I used through their app they cant retrieve the fund disregarding my proof
Consumer complaint received 2023-04-22
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. (VA)

Letter sent certified to Experian on XX/XX/XXXX and received by them on XX/XX/XXXX. In this letter, under Sections 609 and 611 of the Fair Credit Reporting Act, I requested to see the source of information, which is the original contract containing my wet signature for XXXX. XXXX, XXXX which was allegedly opened on XX/XX/XXXX. 

Experian has failed to address this and it has now been in excess of 30 days.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Trying to get a Credit Report and Score from Equifax.

I have tried to Login to my account that I have had for years. I have tried for over 2 months without any access. I tried to reset my password, Equifax will not let me reset it.

I have tried to open a new account, Equifax wll not let me.

I have tried to get my free Credit Report from a denied credit limit, Equifax will not let me.

I tried to get my Free Annual Credit Report with another website, Equifax will not let me.

Equifax has done this 2 times in the past and nothing works to let them give me access to my Credit Report. Last time I called, wrote letters, had an attorney contact the company and they still did not give me access to the report.