davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has failed to properly process a check to my account due to back room processing errors. The first deposit was XX/XX/XXXX, XXXX # XXXX, {$8200.00}. The first time this Item was deposited it was placed in special handling envelope and hand keyed in leaving off the last number of the XXXX #. Rather than correcting this they returned the Item to me causing a {$550.00} over draft. They never notified me and I found out about this when trying to use my debit card and was denied. No problem sending a threatening email to immediately cover the over draft to my account. No attempt by Wells Fargo was made to correct or reprocess the check nor was there ever a problem with this item. They refused to provide me with any explanation except to say, " you will have to refer to the maker ''. through my research I was able to determine that Wells Fargo had never attempted to process this check. they refused to reprocess forcing me to have it replaced by the maker. That deposit was made on XX/XX/XXXX, XXXX # XXXX, {$8200.00}. At XXXX am, XX/XX/XXXX I received an email stating XXXX were being held until XX/XX/XXXX my account was again over drawn this time {$880.00} and items were returned. Again the threatening email to cover the XXXX item they paid. XXXX bank and the issuer verified that Wells Fargo had cashed the XX/XX/XXXX and XXXX paid the item on XX/XX/XXXX. Their back room processing told several stories, the item had a stop payment, the item was returned etc. none of which turned out to be true. All this happened at a Wells Fargo Branch and with a branch manager that was assigned to me to fix the first issue. I sent XXXX full hour at that office on the phone with XXXX XXXX both myself and their manager being transferred more time then I can count, simply asking them, both myself and the manager to issue a provisional credit. They refused even after confirming they knew they had the funds. In the end I was left holding the bag for not one mistake but two, told I would have wait as long as XX/XX/XXXX for resolution. I received an email at XXXX PM XX/XX/XXXX stating what I already knew they have confused the two deposit and think the new replacement check is XXXX with the Stop Payment. Again Their Branch Manager and myself confirmed the XXXX XXXX cleared and was paid on XX/XX/XXXX by XXXX bank!!
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I am writing this request to Experian so that they will cease sharing information regarding a specific account pursuant to my rights under 15 U.S.C. 6802 of the Fair Credit Reporting Act. I understand that under this provision, I have the right to opt out of the sharing of my information with certain affiliates or third parties for marketing purposes. 

Please find the details of the account I wish to opt out of sharing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I hereby request that Experian cease sharing any information related to the aforementioned account with any affiliates or third parties for marketing purposes. This includes, but is not limited to, the sharing of account details, transaction history, and any other associated information. 

Please process this request promptly and confirm in writing that the opt-out has been successfully implemented. I understand that this opt-out request will remain in effect until I notify you otherwise.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-03-26
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. (OK)

This collections is showing on my credit report with experian, XXXX, and XXXX. I have disputed the information as i had attempted to pay the late rental fee with XXXX XXXX XXXX XXXX XXXX that took place during covid 19 due to my loss of employment. XXXX XXXX XXXX XXXX XXXX  denied my late payment and went on with evicting me. As i went through the process and was left homeless. I have disputed and get notified that dispute report submitted by consumer meets requirements of the fair credit act, however XXXX XXXX XXXX conginues to report deliquency on all three credit bureaus. I am XXXX XXXX XXXX XXXX XXXX XXXXXXXX and ask that the credit reporting avencies stop reporting derrogatory info on my credit profiles as it is damaging to my credit. I need contract documents, eviction notice, refusal on late payment docs mailed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, why they are reporting the debt on my credit but not on my public profile? This is reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has failed to update the status of the collection since XX/XX/XXXX however has updated balance due info XXXX XXXX  The
Consumer complaint received 2023-12-11
Product: Mortgage — Conventional home mortgage
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. (FL)

We took out a mortgage with BMO Harris Bank N.A . # XXXX on XX/XX/XXXX. We have never been late or missed a payment in over 20 years. In fact, we have aggressively overpaid {$400.00} each month on average for over 20 years. Additionally, in XXXX and XXXX we doubled our monthly payments several times. 

One year after obtaining our mortgage, XXXX, our house was destroyed by Hurricane Charlie and we were informed our insurance had lapsed for nonpayment of premium by BMO Harris. We had to sue BMO for intentionally slow payments to our insurance company. At the time BMO had our money in escrow but was playing a float game according to Florida Governor XXXX XXXX. We were out of our home for 3 years while pursuing BMO which put us behind in obtaining a contractor. During those 3 years we never missed a payment. 

Since the hurricane of XXXX we have had Hurricane Ian in XXXX repeat the same path as XXXX. We continue to make our payments plus additional principal reduction amounts. 

BMO has refused to provide the complete payment history of our mortgage. BMO has used multiple servicing companies for our mortgage and refuses to insist on their cooperation. We have paid ahead over {$90000.00} in an effort to satisfy our commitment before our retirement which was 7 years ago. 

BMO confirmed to us at our closing on XX/XX/XXXX that their recast feature was exactly what was in place to ensure we could substantially reduce the term of our note. We have repeatedly requested our payment history to no avail. We hired an attorney who tried multiple times to obtain the information but to no avail. Our attorney advised us that the only course of action was to sue BMO but advised us it would cost thousands and potentially take years because BMO would have their attorneys delay until we ran out of patience or money. 

Please advise us what our course of action and next steps should be to proceed. 

Sincerely, XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2023-09-22
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

PLEASE PLEASE PLLLLLEASE. STOP EQUIFAX FROM TRASHING MY CREDIT SCORE. THEREIS NO REASON FOR THE UNFAIR CREDIT SCORE. I AM GOINGTO FILE CIVIL LITAGATION AGAINST YOUR AGENCY FOR ALLOWING THIS TO KEEP HAPPENING. 
I AM ALSO FOR THE XXXX TIME NOT KIDDING EITHER GOING TO CONTACT FTC AND ASK THEM TO COME AFTER YOUR AGENCY FOR CONTINUING TO ALLOW THIS UNFAIR CREDIT SCORE MESS TO KEEP HAPPENING TO ME WHERREAS IT'S RUING MY LIFE. HOW INTHE XXXX YOU PAY OFF LOANS AND GETS NO CREDIT? XXXX ... 
I AM SO SICK OF THIS. ITS YOUR AGENCY 'S JOB TO STOP THIS CRAZY UNFAIR CREDIT SCORE MESS SO PLEASE PLEASE DO SOMETHING TO EQUIFQAX!
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

I sent a debt validation request to Enhanced Resource Center and they never responded and added a collections to my report without answering my debt validation letter. I have also paid this with the original creditor XXXX for {$1400.00} in full. they refuse to remove this from my credit report.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a persistent issue I have been facing with Capital One regarding a dispute that has yet to be resolved. I believe that my concerns have not been adequately addressed, and I am seeking your assistance in resolving this matter. 
On XX/XX/year>, I initiated a dispute with Capital One regarding XXXX purchase of the Amount of {$300.00}. To support my case, I submitted additional documentation and supporting letters on XX/XX/year>. Despite my efforts to provide comprehensive information and expedite the resolution process, I regret to inform you that as of today, XX/XX/year>, my dispute remains unresolved. 
During my latest communication with Capital One on XX/XX/year>, I spoke with a dispute manager who informed me that the dispute is now considered out of the time frame for resolution. This has left me greatly concerned and frustrated, as I have diligently followed the procedures outlined by Capital One and have consistently provided the necessary documentation in a timely manner. 
I am seeking your intervention in this matter, as it is evident that Capital One has not addressed my concerns appropriately. The lack of resolution and the dismissal of my dispute due to a purported time frame issue are unacceptable, and I believe this merits your attention. 
Enclosed with this letter, you will find copies of all relevant documentation, including the initial dispute submission, supporting letters, and any correspondence exchanged with Capital One. I trust that this information will assist you in comprehending the gravity of the situation. 
I kindly request the Consumer Financial Protection Bureau 's intervention to ensure a fair and timely resolution to my dispute with Capital One. Your assistance in this matter is highly appreciated, and I am hopeful that, with your involvement, we can bring this matter to a satisfactory conclusion. 
Thank you for your attention to this matter, and I look forward to a prompt and favorable resolution.
Consumer complaint received 2023-07-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

I opened my account on XX/XX/year> due to a mailing advertising with a promo code. 
The offer was {$320.00} bonus with direct deposit of {$1000.00} of more under 90 days. 
I set up 7 direct deposits for a total of {$2100.00} under 90 days. 120 days after opened the account, i still did not get pay. I called yesterday 2 times and today 2 times. Today i talked with higher team.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance with the written instructions of the consumer to whom it relates. I the natural person have been suffering for years by being denied open-ended credit, and car loans for the enjoyment of my family. 
Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states it's illegal to report transaction history. Title 12 Also states anything dealing with a securities is an automatic Federal Court Case.

12 CFR 1016.4 Initial privacy notice to consumers required.

( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 
( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. 
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Cascade CISS Holdings, LLC (SC)

Xactus- XX/XX/XXXX, XX/XX/XXXX I don't know what this is. 
XXXX XX/XX/XXXX I have a XXXX XXXX credit card and never applied for hotel and travel card. 
XXXX I have a XXXX  credit card and never applied for hotel and travel. 
XXXX XXXX I did apply and was approved but never acted on the loan. 
XXXX I never applied for a dual card
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am requesting the Credit Bureaus to please REMOVE the items I listed on this complaint and the previous complaint I submitted. As to be certain that my credit reports will be accurate, and the inaccurate negative items will stop harming my credit file. I NEED the Credit Bureaus to see the list below and please remove the items I listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

Dear Sir or Madam, I got a flyer from an attendant regarding XXXX XXXX XXXX credit card which says a new account can get XXXX mileage bonus points with spending of {$3000.00} during the first three months. So I applied the credit card in XX/XX/XXXX and started using it ( * XXXX ) as soon as I got it. I satisfied the spending but only found that Chase only offered me XXXX mileage bonus points. So I contact to Chase customer service ( XXXX ) XXXX XXXX on XX/XX/XXXX and was told by a gentleman that he would escalate it to the sales department. I got a mail dated on XX/XX/XXXX that my account isn't eligible for the bonus because the offer is transferable between accounts. So I called the Chase customer service again on XX/XX/XXXX and told a lady that it was a new card/account so I should get the bonus points. The lady then told me that I should report Chase mistake within 150 days since opening the account. I told her since I got the third statement in XX/XX/XXXX, XXXX was only one month after I found out Chase 's mistake. Moreover, since it was Chase mistake which didn't honor it offer/advertisement first. How could Chase expect a customer to find its error in time? She agreed with me and transferred the call to her supervisor. But after investigating the situation, the supervisor said he agreed with me but he couldn't correct the error. I feel like Chase has been cheating customers by the false advertisements, it wouldn't honor its promotion, and when customers found out, it wouldn't correct their mistakes. This is unbelievable to me! Therefore, I request Chase be investigated for similar frauds toward customers and correct its mistakes, as there must be many customers like me. Should there be any questions regarding to my case, just let me know. Thank you! 

Best regards, XXXX XXXX
Consumer complaint received 2023-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

i received notification about a collection placed on my credit. i called the company because i have never seen it before. they told me its medical bill from XX/XX/2017. i have never heard of XXXX XXXX or common wealth financial systems. now they placed it on my credit XXXX  years later i shouldn't have to suffer for a debt that isn't mine and also that is very old.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX of XXXX XXXX XXXX XXXX falsely reported information affecting my credit score. They lied about payments and have been harassing me for payments when in my original contract it states I don't owe anyone anything after breaching. I've currently been extorted for {$700.00}, and they have stolen my car with my child 's car seat and her medication. They have also sent lawyers to intimidate me and got my court case canceled through false representation.