davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (CA)

I have extreme concerns about Wells Fargo and their data protection and privacy for their consumers. My current legal name is XXXX XXXX. I have been using that name for the past XX/XX/XXXXyears since I got married. Over 20 years ago I had a Wells Fargo checking account in my maiden name XXXX XXXX. That account has been closed for 20 years plus. Recently, I opened a Wells Fargo credit card. When I went online, I entered in my Social Security number as well as my current legal name XXXX XXXX. As I have said I have not use any other name for the past 11 years nor have I had any other Wells Fargos accounts and any other names. When I went to pay my credit card bill, I entered the information from my checking account number with XXXX XX/XX/XXXX which contains my current legal name XXXX XXXX. The Wells Fargo computer system had some type of glitch and even though both my credit card and current bank account say my current legal name, XXXX XXXX, the Wells Fargo system kept reverting to my maiden name XXXX XXXX, and would not allow me to make a payment. I spoke to several representatives that day a few weeks ago and none of them could help fix the problem. The only advice they gave me was to go into a branch which I did not have the time or ability to do. I escalated the complaint to the executive team because this was obviously not an issue I had caused it was Wells Fargos computer system. I have serious concerns about the security of my data at this point. The person I spoke to today could not do anything to fix the issue. Besides telling me I would need to go into a branch and hope that somehow they could fix the issue. I do not have the time or ability to do that as I stated many times Ive never had this problem with any other account that I have opened ever. Even though I held accounts in my maiden name for several other credit card companies, such as XXXX XXXX and XXXX XXXX, including bank accounts this is an issue with Wells Fargo that I am unable to fix by providing more of my time and energy into and I think they should be investigated for faulty systems and inability to keep consumers data safe
Consumer complaint received 2023-06-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Regional Management Corporation (TX)

This company harasses you when your payment is due starting on the day it is due. They call on average 3 times a day. Even after speaking to someone in the office letting them know I will pay the payment they continue to call multiple times a day.
Consumer complaint received 2017-04-05
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION (CO)

My family and I have had issues paying our mortgage in the past year. My husband is a XXXX vet and has recently had XXXX and is currently unemployed. We have filed with Navy federal with the loss mitigation department to help push back some of our payments to the back of our loan. Last year when we filed we were asked numerous times to resend paperwork and proof of hardship that we sent in. NFCU was asking us to resend paystubs and our taxes even though they had all these documents from our refinance. We spend time sending and resending all the information needed over and over again but never had the right combination of documents completed according to NFCU. This year I filed again for loss mitigation as my husband had XXXX and is unable to work. NFCU has asked us to send them a hardship letter and my husbands pay stubs again recently even though I made it expressively known that he is unemployed. A few months back we owed the bank over XXXX dollars and I paid down that debt to XXXX. While we are in the process with loss mitigation I am told I am not able to make partial payments and in the same breath they ask us to pay a month in a half of mortgage owed- this is a partial payment thus they are going against their own philosophy. We also received a notice of foreclosure yesterday. I am just in shock as I thought that while we are in loss mitigation and potential forbearance they can not foreclose, not to mention I owe less then a few months ago. We have told them that starting next month we will be able to start making our regular payments as scheduled since my husband will finally receive his VA XXXX back. These 2 years have been extremely hard on us financially and I thought that banks should make an effort to assist us. I have XXXX small kids and with a prospect of losing my home we would just be tossed out on the street like garbage. Please help.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been a customer in good standing with Capital One for quite some time. In XXXX of XXXX  my email accounts and personal information was hacked. The hackers immediately accessed my bank accounts and credit card accounts, specifically Capital One by taking over the mobile app, setting up additional user names and using the virtual card to make fraudulent purchases. The hackers also used my bank account to make payments to Capital One I order to unlawfully use the virtual card. Although I have reported this to the XXXX XXXX and other law enforcement, however the hackers still are doing it. I have had several replacement cards from Capital One due to this and I have spent days attempting to get the hackers out of my account. 

Due to the hackers accessing my accounts and making payments on my credit card, I have had payments returned which is why Capital One closed my accounts I believe wrongfully. Each time the hackers accessed my accounts and made the payments I did not authorize I immediately made the payment after it was returned. After determining how the hackers were accessing my accounts I removed all online access and now have a bank account at a credit union without online access. The hackers have not hacked this account. Going forward if my account is re opened I can assure Capital One the payments made will not intercepted by the hackers.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (MA)

Vanilla agreed that they owed me {$72.00} and they would send it in a check with XXXX  that would have been here back in late XXXX. That was just more of the XXXX. I have received nothing and wasted at least 20 hours with that company. I am sick and tired of all this XXXX. Vanilla should be not be allowed to do this to people. Thank you
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I XXXX XXXX, was an occupant on a lease for an apartment. The primary lease was in the name of XXXX XXXX and he joined the military forces before the lease was fulfilled. I paid my part of the re-letting fee and gave notice to the apartment complex that I had vacated the property 60 days prior to XXXX XXXX vacating the property due to military orders. The military Exempted his remaining fees on the apartment enlisting into the military. 

I discussed this matter with the apartment leasing manager and she assured me because I paid my 2 mts rent after vacating that nothing would be held against me because I was an occupant on the lease. Also due to XXXX XXXX joining the military this cost me undue hardship and caused me to have to move XXXX MI from my employment. Again the leasing manager informed me not to be concerned that none of this would affect me due to XXXX XXXX joining the military and exempting him and I from the lease. 

I have a Written Letter 60 days prior notifying the apartment complex that I would be vacating and I paid my 2 months rent as I was informed to do my the leasing manager.

I continually was informed by the leasing manager to not worry about this because it would not affect me due to the military involvement with XXXX XXXX and this would exempt Him and I from the remainder of the lease since I had given notice and paid my 2 months of the releasing fee prior to my move out. 

Now after 1 year this has hit my credit as a collections and impacting me and my employment and future leasing ability. This company has negatively affected my credit and lied to me stating as long as I paid after the rent after my 60 days notice that this would not impact me because this was a military leave issue. 

They are trying to collect from innocent people that joined the armed forces to protect our country.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX VT : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX  : # XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CO)

Around XX/XX/2023, I opened an Apple Savings account with Goldman Sachs. Over the following weeks, I transferred all my savings to that account. 

On XX/XX/2023 I successfully made a withdrawal. However, when I attempted to withdraw more money on XX/XX/2023, that and all subsequent attempts to withdraw my money were declined. I immediately contacted support on chat for assistance, but the agent was not able to help beyond saying she had made notes of the problem. 

On XX/XX/2023, I noticed a message had appeared on my account that said " Savings Account Restricted. Your savings account has been restricted. Contact Support for more information. '' I immediately contacted support and was told there was a problem with the telephone number on my account. I recently moved and changed numbers, but Goldman Sachs were unable to update my number and offered no facility for me to correct it. The agent said I would be contacted in a few days when the back-office team had investigated it. 

I waited a few days and called again on XX/XX/2023, and was told there was no update and there was nothing I could do except call again later to ask for an update. 

I called again on XX/XX/2023 and even though I explained I have bills due and no way to pay them without access to my savings, I was still told there was nothing I could do except wait and that I would be contacted in a few days. 

I explained that I felt like my money was being held hostage and asked what legal recourse I had available. The agent couldn't offer any information and when I asked for a name and address to file a report, the agent was similarly not able to provide that information. 

I have not had access to my savings for nearly two weeks now and repeated calls to Goldman Sachs have not provided any means for me to regain access to my money.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MO)

In late XX/XX/XXXX I called into Dept of ED/Navient customer service line and requested to have my account put into a deference. At which time the woman I was speaking to informed me that it would not be an issue and everything was good to go. So until three days ago when i acquired a copy of my transunion credit report and saw that I had 5 late payments reported for the month of XX/XX/XXXX because I have 5 different student loans. This had immediately dropped my score down over 40 points!!! So i called Navient and tried to explain the issue and the representative just kept insisting that I was at fault because they reached out multiple times and were unable to reach me but when I asked what email address they had he gave me one that wasn't even mine!!! So i politely told him the correct address and then he stated there was no recourse for me to appeal. I'm just dumbfounded at the negligence and unbelievable arrogance that these people seemed to act towards me with.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

someone stole my credit card and used it, it was a capital one credit card. Capital one took care of that immediately, but then on XX/XX/XXXX I got a capital one hard inquiry on my XXXX that I did not inquire about, I called to get that taken care of but they told me the inquiry wouldn't come off for over 100 days. 

on XX/XX/XXXX I got a hard inquiry on my XXXX  from XXXX  XXXX XXXX, I called them to get it taken care of and got told the same thing and that they will be placing a fraud alert on my credit. 

XX/XX/XXXX I received a fraud alert from XXXX a credit pull was attempted by a bank named XXXX XXXX 

back in XXXX XXXX I received a letter in the mail letting me know my information had been apart of the XXXX data breach, so I'm afraid this could have something to do with this unfortunately. 

I have since then locked all 3 credit bureaus but whoever is trying to steal my identity is calling these companies claiming to be me, trying to log into my XXXX  account I'm assuming to unlock my credit, and going as far as posing as the department of real estate sending me a letter claiming they need my finger prints, I called the DRE to confirm this letter and they confirmed it was NOT them and to please disregard the letter they never sent that to me.
Consumer complaint received 2023-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

According to Rushmore Loan Management Services my Escrow Insurance Account has a shortage in the amount of {$840.00}. 

This discrepancy has been an ongoing/unresolved issue within their Escrow Department. All documentation has been provided by my Homeowner Insurance Company, XXXX showing my account in GOOD STANDING! 

Rushmore Loan Management Services, issued what appears to be a double payment. StateFarm shows ONE check cashed and the overpayment sent back to Rushmore Loan Management, to be put back into MY ESCROW ACCOUNT! 

I have attached all correspondence since XX/XX/2022, the paperwork I was forced to agree to spread out the SUPPOSED Escrow shortage, until they figure out what is clear as day! 

Please see all attachments! Once again, please note just how incompetent this Loan Management Service is!!
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-06-02
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: CREDIT ACCEPTANCE CORPORATION (AZ)

After the car was traded and the pay off check was sent and received I still got late payments on my credit report. Im getting the run around on how to repair this.
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (AL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/year> XXXX am I attempted to deposit money on XXXX XXXX through atm located at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXL XXXX XXXX XXXX XXXX XXXXXXXX The deposit total was {$1800.00} The ATM said XXXX bills were Invalid {$100.00} dollar bills Only gave me back XXXX {$100.00} bill So the ATM took XXXX of my {$100.00} bills and kept it didnt even count it towards my positive balance in the account The personnel inside the bank was no help And now have to file a virtual claim which makes no sense as the customer service and support is not inside the bank where we deposited our money at
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX, we made a payment of {$560.00} to pay our Apple Goldman Sachs credit card bill thru XXXX XXXX Bill Pay. Apple Goldman Sachs credit card claimed they never received the payment. So to avoid a problem, we paid an additional {$560.00} that was subsequently credited to the account at the end of the month. 

We contacted XXXX about the first payment on XX/XX/XXXX and XXXX said they send the payment electronically and provided proof that the payment was sent and received. We've sent this proof to Apple Goldman Sachs more than once. Apple Goldman Sachs keeps claiming they can't find the payment. We've had at least 20 phone calls with people at Apple Goldman Sachs and no one seems to know what is going on. 

On XX/XX/XXXX, someone named XXXX called from Apple Goldman Sachs and even got XXXX on the phone with me to verify all the information in the proof of electronic payment. 

On XX/XX/XXXX, someone named XXXX called us from Apple Goldman Sachs and went over everything with us again, and acknowledged that they must have the payment somewhere and said she will track it down and make sure we get credit. She had promised to keep in touch with us but to date, we have heard nothing. 

We would like the credit for the extra payment of {$560.00} that we made. This has taken hours of our time and we are left with the impression that we are being stonewalled in the hopes that we will just go away and Apple Goldman Sachs will just keep the money that is rightfully ours. It's hard to believe that they are doing that, but the alternative is that their staff is incredibly incompetent. I'm not sure which one it is.
Consumer complaint received 2023-03-20
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)

Please note that I am the author of this complaint and all attachments.

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2024-03-30
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. (TX)

I have sent this company a letter to validate the alleged debt. The company failed to do so. I have disputed this account numerous times, but the reporting agencies do not seem to be investigating these reports on my behalf. Since they have not responded to my letter of validation, I have sent them a letter requesting a removal.
Consumer complaint received 2024-11-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (NC)

Everytime I swipe my debit card it takes about 4 to 5 days to post. When this happens it says i have a certain amount but than all of a sudden Im in the negative. This is very frustrating when I am trying to manage my money due to paying back debt.