davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SoLo Funds Inc. (IA)

i received a payday loan of {$40.00}. thing happened and i am going to be a week behind paying it back. They began calling my job yesterday which i advised them it was a business line and to not contact that number asking to provide a different number for them to call. The woman i spoke to " XXXX '' was told that she was calling a business phone and proceeded to tell me it didnt matter when i asked her to not call this phone number because it was a general line to my employer. Today she just called again and luckily i answered today instead of somebody else because she didnt even ask if i was XXXX or not and i never identified myself when i answered the phone however she proceeded to just start talking about who i owe, how much i owe and the fact i missed a payment. She could have been talking to anybody and she didnt care what she disclosed. I once again today advised her this was a business line and to stop calling it and she basically told me she would not and then hung up on me. She then emailed me to which i once again told her this was a business line and not to call it and that i had already asked her not to call it including the fact that she did not even identify who she was speaking with before disclosing my personal information on what she already knew was a business line. i advised her i would be taking care of it still but that i would also be reporting her to you guys.
Consumer complaint received 2024-01-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I DID OPEN A NEW ACCOUNT FOR A FIX DEPOSIT CD. 
ON XXXX FOR 10 MONTH AT 5.30 % INT.RATE. 
TODAY, I NOTICED THEY HAVE PUT ME ON 4.35 % RATE I CALL THEM, THE REFUSE AND SAYS, I DID AGREED FOR 4.35 % INT.RATE. 
WHICH, I WAS NEVERT AGREED FOR THAT. 
XXXX, THEY CAN REFUND ME MY FULL AMOUNT OR TARNSFER FOR ONE YEAR FOR 5.25 % INT.RATE. 
I AM NOT GOING TO PAY ANY PRE WITHROWAL-PENALTY. 
PLEASE HELP ME TO SATTLE MY CASE. 
THANKS. XXXX XXXX MY AC # XXXX
Consumer complaint received 2019-12-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

With funds available in account I was charged an overdraft fee. This overdraft fee put my account into the negative. Without this fee the next purchase would have also been covered. Now there are two more purchase that posted. These would count as overdrafts. That's two overdrafts instead of four. This is if the money is considered out of your account at posting time. 

If PNC considers your money out of your account at transaction time the transactions went XXXX, XXXX XXXX, XXXX  and then XXXX XXXX. There were enough funds to cover the first three purchases but the fourth bout me over. So only the forth ( XXXX XXXX ) would have been an overdraft. 

PNC is counting the money out of my account at pending but then again at posting leading to overdrafts for purchases that have enough funds to be covered.

If it's counted at transaction time I am owed 3 reimbursements of {$36.00}. ( {$100.00} total ). If it is considered at posting I am owed 2 reimbursements for wrongful overdraft charges ( {$72.00} ). 

I can not attach any file until I receive my monthly statement.
Consumer complaint received 2024-10-14
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. (MO)

I see that Equifax is still reporting transactions of my consumer report even though it is illegal to do so and specifically the XXXX XXXX reporting 's. I have already complained about these violations their committing in previous complaint they have received. They have added remarks to the XXXX XXXX reporting 's saying " Account previously in dispute-now resolved by furnisher ''. This problem has not been resolved and my federal consumer rights are knowingly being violated. I will proceed with further legal actions if I'm continued to be ignored because of the federals Acts/Laws being violated.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX PL XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$490.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-12-17
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. (FL)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER EXPERIAN OR XXXX, ALTHOUGH XXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2023-01-22
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 (GA)

I was with them for 2 years. Over that time Ive had nothing but issues. They had a lot of real-time issues I would make deposits and they would hold that money and as bills would come in I would sustain overdraft fees. It happened every month and I finally got tired and left the account alone until it was closed this past XX/XX/2023.
Consumer complaint received 2024-10-05
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: CLGF Holdco 1, LLC (IL)

I am writing to formally lodge a complaint against Concora Credit due to severe issues involving a fraudulent Indigo Mastercard account ending in XXXX that has been improperly attached to my profile. This situation is compounded by a late payment error reported for XX/XX/year> on my Milestone account. The circumstances I am facing constitute significant violations of consumer protection laws and have caused substantial harm to my financial standing. 

Overview of Issues : Missing XX/XX/year> Statement : I have not received my statement for XX/XX/year>. This document is essential not only for my financial records but also for legal preparations. This oversight is completely unacceptable and has resulted in significant complications in managing my finances. 
Late Reporting for XX/XX/year> : In addition to the missing statement, Concora has continuously reported a late payment for XX/XX/year>. This late reporting, compounded by negligence in account management, is unjust and damaging to my creditworthiness. Immediate updates are required to rectify this error. 
Fraudulent Indigo Account : A fraudulent account with Indigo has been wrongfully linked to my profile by Concora Credit. Despite an ongoing investigation, the lack of timely resolution has severely harmed my financial reputation. I demand that XXXX XXXX  XXXX be notified of this error for immediate removal, as I have not received adequate documentation or response from Concora. 
Negligence in Account Management : The persistent negligence surrounding my accountspecifically the missing statement, late reporting, and fraudulent accounthas caused considerable stress and financial harm. This situation can not be ignored and requires urgent resolution. 
Requested Actions : I strongly urge the CFPB to take immediate action to : Investigate Concora Credit for their failure to provide my missing XX/XX/year> statement. 
Investigate the late payment reporting for XX/XX/year> and ensure appropriate corrections are made. 
Investigate the fraudulent Indigo account and ensure its prompt removal from my records. 
Review the account management practices of Concora Credit to prevent similar issues from affecting other consumers. 
Supporting Documentation : I have maintained comprehensive records of all communications with Concora Credit and can provide this documentation upon request. 

Thank you for your urgent attention to these pressing matters. I look forward to your prompt response and appreciate your dedication to protecting consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (FL)

XXXX ... 
.did not do what they stated or claim " XXXX XXXX XXXX XXXX gives you access to

a team of Certified Specialists that will guide you through every step in the restoration process if you become a victim of identity theft. What kinds of things can we help you with? If you suspect that your information has been compromised please contact us at your earliest convenience. Our identity care specialists will determine if an identity theft event has occurred and guide you through any necessary restoration activities like : Contacting the entity that issued the account or credentials that have been compromised ( like your bank, credit card issuer, the Social Security Office, etc. ) Notifying law enforcement Reviewing your credit report Filing the appropriate fraud alerts. Problem still exists, received lies no action.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX ( or XX/XX/XXXX, I don't have my records at hand ), my bank, Wells Fargo, summarily closed my checking account, freezing my funds and providing no explanation as to why such an action had been taken. I am only reporting this now because I assumed I had no recourse until I read today of a Wells whistle-blower from a XXXX branch being fired for exposing this widespread -- and illegal -- practice on the part of the bank whenever any type of fraud was suspected to be associated with an account. In my case there was no fraud. After many phone calls to many extremely unhelpful Wells employees ( a few of which flatly stated that it would be impossible to reactivate my account ), I was finally able to ascertain that the closing was due to an alleged transaction with my credit union in which Wells claimed I had deposited or cashed a check for which funds were unavailable. Even after I contacted the management of my credit union and was assured that no such action had occurred, Wells refused to reinstate my account. ( This after I had held the account for over thirty years. ) Concerned that my credit rating would be effected, I persisted, and after more than two weeks of constant effort I finally contacted a sympathetic Wells who assisted me in reinstating my account.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I disputed inaccurate information that was being reported by 3 different creditors on my consumer reports with the credit reporting agency Experian, initiated over 6 months ago, and I never received any correspondence that the investigation was started or completed and there is no evidence on my recently ordered credit reports that an investigation was ever conducted. It is my right under the Fair Credit Reporting Act to dispute inaccurate information. I sent letters to dispute inaccurate information on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 to no avail.
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. (VA)

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently:-	XXXX XXXX XXXX-	XXXX XXXX XXXX-

XXXX XXXX XXXXXXXX-	XXXX XXXX XXXX – XXXX XXXX XXXX -	XXXX XXXX XXXX – XXXX XXXX XXXX XXXX Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.
Consumer complaint received 2020-02-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

This credit union is offering rates and " customized '' quotes on their website, but the actual rates and lender fees are significantly higher than offered, and what the website prompts you to apply for. The loan officer had no explanation for why the actual rates are .25-50 higher, plus discount points added. 

The credit union adversely impacted my credit rating by inquiring to the credit bureaus under the false pretenses of offering a rate and closing fees that they were not willing to lend at.
Consumer complaint received 2019-12-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

Prestige Financial Services Administration will not accommodate me on my Lifetime XXXX and ADA Disability Civil Rights Act under Department of Justice. 
I have respectfully requested for lower payments as l am going through a permanent Financial Hardship and l also have a Federal and State tax debt and l have to pay. 
I will not be able to make any more payments of {$440.00} or {$480.00} on my auto loan after XXXX XXXX. 
I can only a afford a payment of {$270.00} to {$280.00} @ month on each month on the XXXX. 

I am on a fixed XXXX Retirement Pension income and have no other financial means. 
Also, Prestige Financial Services Administration email me a document disclosures for me to sign of l wanted a change in due date on auto monthly payments. 
In which l told them l don't have to sign because is not mandatory in the Consumer laws of Federal and State. 
Prestige, should not force our XXXX XXXX of XXXX XXXX XXXX and XXXX Veterans to sign a document, so they can have their way legally and put a restriction on a auto loan. 
I am continuing to have major issues with Prestige since XX/XX/XXXX till Present, when l was going through a my Bankruptcy Chapter XXXX of XX/XX/XXXX and purchase the XXXX XXXX XXXX  XXXX in Texas with mechanical issues and overpriced purchase on XX/XX/XXXX. 
Bankruptcy Chapter XXXX was discharged by Federal Judge in XXXX, Texas on XX/XX/XXXX. 
It appears that soon l might have to return vehicle back to XXXX as l can not afford monthly payments of {$440.00} and {$480.00} after XXXX XXXX. 

I like to keep the car as l needed it for my Lifetime XXXX Medical treatments and appointments with my XXXX  Doctor Dr XXXX XXXX XXXX in XXXX, California. 

I am respectfully XXXX Lifetime and Retired and a XXXX XXXX XXXX Military Veteran.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (AK)

My XXXX XXXX XXXX credit card ( through XXXX  XXXX   ) had a payment that was late in XX/XX/XXXX and I was called about it in XX/XX/XXXX after it was too late to fix. My address on record was originally incorrect, so I did not recieve mail regarding my credit card or payments.I have since changed my record of address. I was also not sent an email about the payment or the fact that it was late, this was verified for me over the phone. I thought I had paid the complete amount and was unaware of any balance on the card. As soon as I was notified of the problem I paid the card off in full, including the late fees. I spoke with someone on the phone and was told that I was not at fault and to please file a dispute with the company. I am an XXXX XXXX XXXX in XXXX, Alaska. I always make sure that my payments are prompt ; this was an honest mistake that I would not have made had I been notified.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (PA)

Hello I put my savings in key bank and over and over my account keeps getting hacked due to fraudulent purchases Ive lost over {$2000.00} my bank wont help because it took me over 60 days to realize the fraud I only have one bank statement to show approximately {$1100.00} but I can get the other one that shows another XXXX $ thats missing
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CA)

I am a XXXX client in GOOD standing - I have NEVER been late on any payment. If I click on my portal access and review - EVERYTHING IS PERFECT. If I call their helpline - they ALSO CONFIRM that I am in good standing and NO OUTSTANDING AMOUNT. Yet keep on handing me over for DEBT COLLECTION on DEBT THAT I DO NOT HAVE. NOBODY can help me - and this is effecting my credit score severely! ( THE ONLY NEGATIVE REMARK ON MY CREDIT SCORE ) - I can not get vehicle finance ( or only very predatory ones ) - I believe I am an easy target since we are XXXX, and do not know the system well. PLEASE HELP! I've attached my statements for the last 4 months showing CLEARLY my payment history - and NO MONEY OUTSTANDING!
Consumer complaint received 2018-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (GA)

This company has been calling me all week. When I tried answering the first two times, there was no one on the line or I could not hear them. Then on XX/XX/XXXX at XXXX when they called, I answered and talked to a person. This heavily accented person asked for someone other than me. I said that he had the wrong number and that I didn't appreciate this company calling me two times per day everyday. I told him to remove my number from their calling list. Then he started asking if I know the person he was trying to call. I asked where he was calling from and he said something like XXXX XXXX or something. I told him that I am not that person and to take me off their list ; that they have the wrong number. My request has been ignored. They called my cell phone again that night at XXXX XXXX. and called me yesterday at XXXX and again at XXXX XXXX.