davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (DE)

My tenant deposited 2 money orders Wells Fargo cleared one for {$100.00} but did not clear the other deposited at the same time for {$720.00} Bank stopped payment for {$720.00} Said fraud or suspicious Only reason I found out I looked online I called spoke to several people No one can tell us why Bank in XXXX fl Accepted deposit without question Bank telling me I have to redeposit Certified copy of check Its been 5 business days I have not received copy of money order In the meantime I have given my tenant a pay or evacuate notice Which cost me out of pocket {$200.00} Bank has no answers as to why it was flagged as suspicious my tenant always pays by money order this is not an unusual Occurrence My complaint number with Wells Fargo is ID XXXX This money was deposited in my escrow account XX/XX/2023 was date of return actually deposit on XX/XX/2023 Bank saying its my issue
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Credit Corporation (NC)

My car has a transponder, I went through a toll out of state ( MD ) on XX/XX/XXXX. I thought the toll was paid through the account set up through the transponder. I received no bill until XX/XX/XXXX, so I had no opportunity to pay the toll in a timely basis, and was not aware that the transponder account did not pay the toll. Now I am informed that I need to pay at {$25.00} late fee for a {$4.00} toll. I think it's totally unfair to be charged a late fee for a toll I was not informed of earlier.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

Ive been using wells fargo for about 4 months now. Recently they closed my account due to someone else using my s.s. from their standpoint. They attempted to close my accoun before for the same problem but i already made the appointment and re showed them the original s.s. card and my ID. They still closed my account and this morning i tried getting a new account opened but to no prevail because my s.s. was already used by someone else 's account
Consumer complaint received 2019-07-02
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: Experian Information Solutions Inc. (FL)

I have contacted the credit bureaus, filed a complaint with the consumer bureaus, hired an attorney ( XXXX XXXX ) and also filed a fraud dispute with Identity theft. As I have attached prior documents to previous consumer complaints, in reference to XXXX XXXX XXXX XXXX. This account is not accurate and with my information being exposed in several data breaches, Such as my email, previous passwords used, address and job employer information that was also exposed in my credit reports and disputed.There are also several different ways my name is showing on my credit report, which my drivers license only shows one correct name. As someone was trying to previously use my name backwards or leaving out the first two letters to try and apply for credit. The correct spelling of my name is sent with this dispute and that name should only be listed on my credit report, as I only go by that name on my government ID. This current complaint/dispute keeps being sent to XXXX XXXX and with my information being previously exposed and recently observed on my credit file, is why I am now disputing. XXXX XXXX is forcing me to pay an account and this account has accumulated many interest charges, late fees and etc which I am not responsible for. This account was disputed directly with their department and was closed after advising them of this fraud. I was told I will not be responsible for this activity/ account. As they will closed the account for fraudulent activity and the balance was closed with {$0.00}. I am requesting for immediate deletion from XXXX, XXXX  and Experian and any other inquiries associated with XXXX XXXX Services. This account is severely damaging my credit file and has not been resolved. As XXXX XXXX wants to obtain a debt not owed by me. See attachments below.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: M&T BANK CORPORATION (RI)

Credit Inquiries on my credit report XXXX XXXX XXXX XX/XX/2021 M & T Bank Indir XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

PHH Mortgage took over my existing mortgage from Ocwen. In the process, they have made my life miserable by causing delays on the phone ( being on hold for up to 2 hours! ) and refusing to send funds back to repair my home from the XXXX XXXX. This is adding injury to insult because of major problems with the CA " Fair '' Plan, who have been refusing to repair damages to multiple claims in CA. 

A check was located, which had been previously issued and to be signed by my original note holder, which was Ocwen. I spent {$50.00} to send this check to PHH overnight on XX/XX/2019, and since then they have refused to send the check back. 

1. Ocwen 's ombudsman 's office had placed notes in my account to prevent this sort of thing from happening because they understood the hardship I was enduring after the fire. A check previously sent to Ocwen was signed promptly and returned to me. 
2. PHH has chosen to IGNORE the directions from Ocwen and HOLD MY CHECK INDEFINITELY because they are now asking for insurance documents. 
3. After multiple calls I was told that " their corporate office directed everyone not send my check back to me ... '' 4. I sent them the adjuster 's summary and additional document from my insurance which answered their questions, however, they continued to insist that they wanted " more '' information. 

My area was declared a national disaster and my family was displaced. Setting aside the downright bad faith and atrocities being done by the CA Fair Plan ... what PHH is doing is stopping me from fixing my home, moving forward and creating additional hardship and undue delays. 

They have threatened to send back the check UNSIGNED if they don't get what they want. 

I will send a letter to Washington in light of the National Disaster in my area so that they are aware of all the fraud, mishandling of claims, and incidents like this that are happening to people.
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advent Financial Systems, LLC (IN)

I received a letter to pay a debt presumably owed to XXXX County Indiana XXXX XXXX. 
Letter was sent by a debt collector in Kentucky. but this company letter from Kentucky had the signature of XXXX XXXX, XXXX of XXXX County Jail. This collection letter made a demand for {$110.00} without explanation of the reason for this debt, and also said the collection letter was to be taken to my bank so a DIRECT DEPOSIT could be make into the collection company 's account at XXXX XXXX XXXX. I was at XXXX County Jail, but there were no such charges or fees owed. 
I wrote to this company the following on XXXX XXXX, XXXX XXXX XXXX Co. Jail c/o Advent Financial Systems PO BOX XXXX XXXX, KY XXXX XXXX : Collection Letter to XXXX XXXX. Your CR number XXXX, alleging A debt of {$110.00} To Whom It may Concern : Your letter received XXXX XXXX, XXXX, is an attempt to collect a debt. As such, I submit the following information, and a request : 1. I do not believe the amount cited is owed. 
2. 2.Please provide any and all information and documentation connected with this account of {$110.00}. This should include an itemized accounting of what comprises this total of {$110.00}. 
3. 3. In addition, if your firm has authorization to collect this, provide a copy of documentation showing the alleged contract with the XXXX County Jail and written documentation in support of your authorization. 

In addition, in a phone call to you it was stated that the fee is for fingerprinting, booking, and housing. By what authority is this amount charged? If there is a statutory authority, provide it, and if not, what other authority for collection of this amount is there? Please provide copies of theses along with the above-requested information. 

All responses are requested in writing to be sent to the address in the letterhead. 

Very truly yours, XXXX XXXX ************************************************************* Without replying to this letter, another letter was received on XXXX XXXX, XXXX, again from Advent in Kentucky, but with a signature of XXXX XXXX, XXXX, Sherifff of XXXX County, Indiana, saying " 2ND AND FINAL NOTICE '' threatening action, and of course, with added signature of Sheriff of XXXX County Indiana, made it appear that there would be " consequences '' if debt was not paid
Consumer complaint received 2023-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (GA)

I have been a Wells Fargo customer since XXXX and I recently purchased a car through Wells Fargo loan in XXXX. 

Considering that Wells Fargo was involved in a lawsuit regarding accounting mistakes with loans until XXXX, I wanted my case verified. 

I am wanting to know if my loan has accounting errors and if so, can I be compensated.
Consumer complaint received 2023-02-14
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. (FL)

I am unable to get a loan with XXXX XXXX because XXXX XXXX XXXX XXXX is reporting on my credit file that my mortgage is deferred. I have been paying my mortgage monthly, and have never been late. I have never asked for a deferral. I went to a local XXXX XXXX branch, and they show XXXX deferment. XXXX XXXX local branch suggested I call the XXXX XXXX XXXX division. The mortgage division indicated that XXXX automatically applies 'mortgage deferred ' to all accounts within a disaster zone. We are located five minutes from XXXX, while we did have two hurricanes this year, we did not have a disaster, and we certainly did not ask for deferment of our mortgage. I suspect that FEMA qualifies accounts for deferment, and I suspect the bank deferred our payments without our knowledge and are collecting interest on those payments. 

I can not get a loan until this is removed. XXXX XXXXXXXX XXXX indicated it would take 50 days to have this removed - I've never asked for deferment, and have never been late on payment. This will cost me at least {$1500.00} in lost time and other payments. Can provide information if necessary.
Consumer complaint received 2023-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (TN)

I bought a used XXXX XXXX XXXX on XX/XX/XXXX. The percentage rate is 20.32 %. My finance charges XXXX. The total of payments is XXXX. The rate was unfair and {$7200.00} is still owed on the car. The entire deal was discriminatory and they took advantage of someone who needed a car to get to work. We have reached out to Santander on several different occasions, they say there is nothing they can do to help me. I asked them about refinancing the loan, and they stated they don't do refinancing. I called again this morning asking for an itemization of my payments. Can you please assist me with this?
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX Account number : XXXX, XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IL)

A collection agency is trying to collect for a payment that was tendered by the original creditor. I.C. Systems Inc. sent a letter for collections in the amount of XXXX ; however, said amount was tendered by the original creditor against my check # XXXX. 

Can you ( CFPB ) please investigate this company? Or do I need the IL OAG to perform that action? 

This is an escalation of XXXX # XXXX. 

Business Information Business Name : IC System, Inc. 
Address : XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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 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 2023-02-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2020
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Act Name : XXXX XXXXXXXX Act Name : XXXX XXXXXXXX Act Name : XXXX, XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I sent a written dispute letter to XXXX to have them verify any debt they claim I owe. Letter was submitted XXXX XXXX 2023, I was told to give them 30 days and it has been 31 days and I havent received a response! I talk to a XXXX name XXXX, she didnt want to provide last name and the number she uses is # XXXX saying I need to write another letter and allow 30 days for response! I requested her to remove the inaccurate information from my report but she states she cant do that only the investigation team and they only work through email and po box not a live person! This information has been on my report for a couple of months now and they are not removing this information!
Consumer complaint received 2023-02-13
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. (VA)

I sent a written dispute letter to XXXX to have them verify any debt they claim I owe. Letter was submitted XX/XX/2023, I was told to give them 30 days and it has been 31 days and I havent received a response! I talk to a XXXX name XXXX, she didnt want to provide last name and the number she uses is # XXXX saying I need to write another letter and allow 30 days for response! I requested her to remove the inaccurate information from my report but she states she cant do that only the XXXX team and they only work through email and po box not a live person! This information has been on my report for a couple of months now and they are not removing this information!
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 : # XXXXXXXX XXXX XXXX  : # XXXX US DEPT OF EDUCATIONXXXX : # XXXX 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 2023-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

I have a Chime card. Money was withdrawn over an hour every 2 minutes till my account was empty. It started with my wife noticing her XXXX account was locked out and a new email address was added saying it was from New York. We live in Ohio. So she called what she thought was XXXX help, and why she was on the phone with them the money was being withdrawn every 2 minutes to a thing called XXXX XXXX from California it said. I filed a police report and a dispute with Chime. The withdrawal happened on XX/XX/, police report was filed on XX/XX/XXXX, XXXX gave Chime a police report on XX/XX/XXXX when I picked it up. On the XXXX of XXXX, they closed my dispute saying not was wrong. called that night and had it reopened, so I could submit a police report when I picked it up. They have not helped or taken this seriously. I can not pay any bills or feed my family.