davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I discovered that one of my Payees was deleted on XX/XX/2019 at XXXX as told to me from a Bank of America bill pay  representative today XX/XX/XXXX at XXXX. I advised the rep that I received no confirmation whatsoever telling me that I deleted anything. He told me that Bank of America does not send out confirmation when a Payee is deleted. I told him that at I received a Bill Pay reminder at XXXX to pay XX/XX/XXXX on XX/XX/XXXX. so it would be highly unlikely that I would go into the system and delete an entity I had setup to pay every month going forward well in advance until next year. The representative could not prove that I did the deletion. It wasn't but a few months prior did I courteously contact Bank of America ( XX/XX/2019 ) regarding problems with Payee issues only to rudely be told that they don't have system issues by the representative today. He also said in some form " anything that happens in Bill pay happens from or by the User. ''
Consumer complaint received 2019-12-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Infinity Home Lending (FL)

applied with XXXX XXXX for a home refi. Paid the appraisal fee with credit card ending in XXXX ; dated XX/XX/2019. 
We decided to change lender a short time later. New Lender Infinity Home Lending charged another appraisal fee on closing. This was financed. 
XXXX XXXX is the appraisal company.
Consumer complaint received 2024-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I had {$4900.00} in my Venmo account which I attempted to send to my primary bank account. Venmo offers an instant transfer but it said my bank was not compatible. I chose to do a standard transfer, which is advertised as XXXX business days, and all over the place there is fine print saying transfers initiated before XXXX XXXX will be credited the next business day and what not. I initiated my transfer on XX/XX/XXXX around XXXX and it said scheduled to be completed on XX/XX/XXXX. That was 3 days ago and I havent even gotten an update. The thing still says scheduled to be completed on the XXXX, and on the mobile app it says it was completed on the XXXX. Ive been on the phone with customer service and they provide zero answers.
Consumer complaint received 2019-12-17
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. (CA)

I have already tried reaching out to Experian about this issue but they refuse to verify this account or delete it. I have express to them multiple times that this XXXX  XXXX XXXX account does not belong to me. I have provided documentation to Experian showing this account doesn't belong to me. Also the account claims to have a billing address that i have never lived at as you will see on my credit report. Also I have a letter from Equifax showing the account couldn't be verified seeing as though I have never lived at the address the company is reporting. Seeing as though Experian is still reporting this account I can only assume they are just reporting the account because they are getting paid to do so, because I have provided more than enough documentation to show this account does not belong to me. Meanwhile, Experian has not provided anything showing this account is mine. Furthermore, I will have no choice but to present this information to the FCRA, and other state and federal courts if Experian still refuse to delete this account. The last thing i want to do is get the courts involved, but I will if i have to.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I was denied credit and after reviewing my my report I found accounts and inquiries that were not mine causing my credit score to be low. These items have cause a derogatory credit rating on my credit report. I have file a police report and an identity theft report.
Consumer complaint received 2023-01-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (NC)

I open up my Wells Fargo personal line of credit in XXXX or XXXX. Over the past XXXX years, there have been several times I have questioned, whether or not the fees the interest, or even a late fee was right, and just. Apparently with this type of loan, you have to make the payment on that day, even if you make the payment prior to that day, your subject to additional adjustments such as a miscellaneous bank adjustment? For example, in XX/XX/XXXX, I made several payments to pay down my line of credit, but I was still charged a miscellaneous bank adjustment for XXXX dollars. My payments are due on the XXXX of every month. I usually meet my payment date every month and sometimes I have to go back and withdraw funds again on the XXXX or XXXX but apparently if I do that Im charged additional. interest and then it makes my account overdrawn. So I make my payment on time and the very next day Wells Fargo will show that I have availability to withdraw money. I will withdraw the money and then Wells Fargo will tell me. I am over my amount and then Im paid interest. I never claim bankruptcy or foreclosure after I divorce my ex-husband, but I did go through credit counseling. In late XXXX I asked Wells Fargo if I could be late a month and would they forgive it. They said they would but they end up publishing I was late. In XX/XX/XXXX I called Wells Fargo to tell them I would be late on my line of credit. I was late on my line of credit, because I have two household to keep up with due to the inflation and helping my children. Wells Fargo was able to come up with a payment plan and I asked the gal at Wells Fargo if they would report this to the credit report agency and she said no. As long as I make the three payments, we agreed to on time they wouldnt, but thats not true. Wells Fargo did report it and its impacting my credit. I believe that the fees, Wells Fargo has been passing along to me or in just, incorrect and most of all excessive.
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Dear CFPB, I am extremely dissatisfied on the lack of support, investigation, and safety by Wellsfargo Bank. I was defrauded out of {$2500.00} by an individual claiming to be a property manager and requiring a security deposit. I bought a Cashiers Check from Wells Fargo for the amount of {$2500.00} and deposited to the persons account. When I discovered that it was a bank fraud & their was never a property or managment, I immediately contacted Wellsfargo Bank both in person and via telephone to cancel the cashiers check. Wellsfargo notified me that the cashiers check was already deposited and they couldn't cancel it. To add insult to injury, they notified me that they wouldn't be able to refund my {$2500.00}.

I have been a Wells Fargo customer since 1997 and I am extremely dissappointed that they failed in providing a safe environment for their customer. I am prepared to take legal action against the bank for creating an easy platform for criminals to continue targeting victims with no hindrance. Wellsfargo and other banks have created a loose banking system that allows customers to get defrauded. 

Name used by criminal : XXXX XXXX Phone numbers used by criminal : ( XXXX ) XXXX, XXXX XXXX XXXX Email used : XXXX XXXX
Consumer complaint received 2022-12-18
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. (PA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-30
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: M&T BANK CORPORATION (NY)

review the following accounts that appear on my credit report, without any authorization, do not belong to me Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine.

3. Identity Theft M & T BANK Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX. 
Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I had filed a preliminary Bankruptcy with the Bankruptcy court in XXXX Oregon. We filed 3 of these on 3 different occasions to try to stop the sell of our home. With each one we paid a partial payment to start the process. This stopped the sale of our home. The final payment was never made to finish the bankruptcy in order for the Bankruptcy to be dismissed. But the one filed XX/XX/2016 some how ended up on my credit report. I submitted a dispute with XXXX an XXXX a few times and received a response that everything looked just fine. I then copied the bankruptcy documents and tagged the location where the document indicated that the bankruptcy was dismissed and sent them to XXXX and XXXX. Never hear back from them. I recently called XXXX  and they resubmitted a dispute but one of the reps had told me that I needed to call the courts and have them call the bureau and have them dismiss the error. After calling the courts, they told me they do not report to the credit agencies so they could not take it off. I feel that the credit bureau 's are not reading the full document to see that this should not have been placed on my report.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I had filed a preliminary Bankruptcy with the Bankruptcy court in XXXX Oregon. We filed 3 of these on 3 different occasions to try to stop the sell of our home. With each one we paid a partial payment to start the process. This stopped the sale of our home. The final payment was never made to finish the bankruptcy in order for the Bankruptcy to be dismissed. But the one filed XX/XX/2016 some how ended up on my credit report. I submitted a dispute with Transunion an XXXX a few times and received a response that everything looked just fine. I then copied the bankruptcy documents and tagged the location where the document indicated that the bankruptcy was dismissed and sent them to Transunion and XXXX. Never hear back from them. I recently called Transunion and they resubmitted a dispute but one of the reps had told me that I needed to call the courts and have them call the bureau and have them dismiss the error. After calling the courts, they told me they do not report to the credit agencies so they could not take it off. I feel that the credit bureau 's are not reading the full document to see that this should not have been placed on my report.
Consumer complaint received 2019-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NC)

My debt should be paid off since I have been paying it for 2 years now. I did the calculations with my statements coming up to this month. I have called numerous times and have left two messages. They have continued to ignore my calls and fail to call me back. My payments are on automatic withdrawal and it just keeps pulling. They will not communicate with me and I feel its a scam and they have collected so much money from me. XXXX XXXX XXXX in XXXX Virginia. They cant keep collecting money, not communicate and then if I cancel my card report that Im still in collection when Ive paid the full amount owed.
Consumer complaint received 2023-01-23
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$3000.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  : {$3000.00} XXXX XXXX XXXX  : {$100.00} XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Livingston Financial, LLC (OR)

OnXX/XX/XXXX HR through my employer notify me that there was a writ of garnishment placed against me, I quickly asked for more information and was sent a package via email. I called the number listed on the packet and spoke to a lady at Livingston Financial LLC ; I asked the following questions and got the following responses. Q : what is this for? A : credit card Q : when was this account open? A:XXXX and last payment was made on XXXX. Q : can I get verification signatures, who made the last payment? can we trace that information and was told no information was available ; that they could not provide any information as they didn't have it. I went to the court house and filled a challenge of garnishment and the court date was set forXX/XX/XXXXat XXXX XXXX. I showed up at court and explained to Judge XXXX that this was not me and I provided my credit report, Judge XXXX asked the clerk if Livingston was present and the clerk said no the Judge then asked the clerk when they were served and the clerk said on the XXXX of XXXX. The Judge asked if they had been served in XXXX and the clerk said no they were served on the address on the garnishment in Utah. The Judge at that point apologized and then said the hearing would be set for another day. I told the Judge I had already been garnished and I couldnt afford to be garnished, they weren't there and they were served. I was told the garnishment would be stopped until next hearing. Please help me I have tried calling Livingston and they wont give me any information. I feel as XXXX County Court House has treated me unfair due to the fact that I was present they weren't I had proof that its not me and its not on my credit report and the Judge was not willing to hear me out. Its hard being a citizen of color and not being heard.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

-Public Records section of my report indicates there is a claim of : " US BKPT CA XXXX XXXX XXXX XXXX Chapter XXXX '' This Bankruptcy was filed by my estranged husband and I was jointly thrown into it illegally since I was simply an authorized user, yet shared no accounts. Then, I am told, the Bankruptcy, was revised into a Chapter XXXX repayment plan to include his business entities and so on. I have explained this over the phone many of times and only received generic correspondences from Experian regarding my concerns and this complicated scenario and yet each time they shut me up and blindly verify whatever they see and leave the Public Record there on my file for their own protection. I was not a part of his Chapter XXXX repayment and owed no debt to the trustees. Please understand, I am not responsible for the county clerks irresponsible record keepings! I have immaculate credit and I am a great consumer and this is damaging my credibility and credit score. The Chapter XXXX turned Chapter XXXX combination is found under another name, closed by trustee. The debt has been repaid in its entirety, he has provided the information to me to pass along to you ; Chapter XXXX Bankruptcy, XXXX docket # XXXX. The change in circumstances are hurting me as the false record is even nearing over XXXX years old, please remove it. Also, the information where it claims the original Bankruptcy was in XXXX is also inaccurate, it was filed with an attorney, though later changed, in XXXX. 

Also, there is personal informations appearing on my credit report which are not true and I would like them removed immediately because I have no idea who these people are and what has occurred at these addresses as they have NOTHING to do with me and are compromising my integrity. I have no association with these names or addresses. Please delete the following as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mortgage Research Center, LLC (KY)

To whom it may Concern, Before i retired from the XXXX, back in XXXX, I thought i was in good shape to purchase my first home using my VA Certification of Eligibility ( COA ) that allows Military Members and Veteran to receive loans for the purposes of purchasing a home. I was guided towards the following Company : Veterans United Home Loans to start my first home buying process. Veterans United home loans ran my credit through the following Company. On XX/XX/XXXX. I contacted XXXX XXXX XXXX in regards to the following Hard Inquires i was ensured that the following Hard inquires would fall off of my credit report and if not to please call XXXX XXXX XXXX back to have it removed from my credit report. on today 's date : XXXX XX/XX/XXXX, I contacted the following Business entity 's again inquiring that the following hard inquires be removed per Credit reporting law without any action from either company as named Below. All i want is for the following Hard Inquires to be removed accordance with the Credit report laws. Please Help. 

Thank you * XXXX  Credit Bureau * Veterans United Home Loan XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ( information on Credit Report ) Companies will not remove : XXXX XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX   XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender
Consumer complaint received 2019-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Arete Financial Group (TX)

I have received this email regarding my student loan. I have been paying Arete Financial Group $ XXXX   monthly. 
This is the email : Lawsuit Federal Trade Commission v. American Financial Support Services Inc., et al. 

***Do not REPLY to this email. If you have questions, send them to XXXX. 

You appear to be a customer of one of the student loan debt relief companies identified below. These companies have been sued by the Federal Trade Commission for deceptive practices and taking unlawful advance fees. The Court has appointed a Receiver who has suspended the companies operations. 

We recommend that you immediately contact your student loan servicer about the status of your student loans. A list of approved student loan servicers can be found at the U.S. Department of Education Student Loans Website : https : //studentloans.gov/myDirectLoan/additionalInformation.action. 

The Receivers office has set up a webpage with additional information about the lawsuit. XXXX XXXX XXXX. We will post updates on the website as the case proceeds, and you can also review a list of Frequently Asked Questions ( FAQs ). The Receiver receives many emails with questions from consumers. We can not respond to each inquiry separately, but will update the FAQS as questions come in. In the meantime, we again stress that you should contact your loan servicer The Companies which have been sued : XXXX XXXX XXXX XXXX XXXX ; Arete Financial Group, also doing business as Arete Financial Freedom ; Arete Financial Group LLC ; XXXX XXXX XXXX, also doing business as XXXX ; XXXX  XXXX XXXX , also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX , also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX , XXXX , formerly known as XXXX XXXX XXXX XXXX XXXX and also doing business as XXXX XXXX XXXX and XXXX ; XXXX XXXX  XXXX XXXX , XXXX .
Consumer complaint received 2022-01-03
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: ALLY FINANCIAL INC. (FL)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.