davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

My loan was being serviced by XXXX during the year of XXXX. For the 3rd and 4th quarter XXXX they reported 30 day late payments due to a misapplied payment by the processor. Although they were notified they did not make the correction on my report. In previous phone calls they had stated that a late charge had carried forward but they had also told me that late charges should not be reported negative. 
I received a notification of transfer XX/XX/XXXX to Loancare/XXXX. Prior to this transfer I had made XXXX aware of misapplied payments again in XXXX and received a letter of investigation from them. I also sent them information via email showing this misapplied payment. 
When I went to originate a new loan with XXXX XXXX XXXX XXXX-XXXX XXXX it was determined that XXXX had not made changes to my credit, Loancare had begun reporting me negative as well, and that payments had been misapplied by both lenders. 
XXXX late payments- reported late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX & 30 day late payments reported. 
LoanCare- late payments reported XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX They have greatly impacted my credit and ability to be approved for a mortgage loan based on their egregious posting of my loan payments that have never been late. They have impacted my credit standing and caused me to spend time, effort and money to pursue resolution. 
XXXX has not been responsive and I have had to contact them almost on a daily basis. Loan care reported me late for periods during which they did not service the loan. I have all cancelled checks to support on time payments and negate their erroneous reporting of late payments to my credit report.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/XXXX I deposited a check for {$15000.00}. to wells Fargo Savings. ten months later ON XX/XX/XXXX Wells Fargo reverse the deposit stating not endorsed. My account is now MINUS {$15000.00}. I HAVE SAT ON THE PHONE 5 HOURS. NO RESOLUTION, I HAVE OPENED SEVERAL CLAIMS REGARDING THIS MATTER. NOTHING. THIS CHECK CLEARED ALMOST A YEAR AGO. I DID NOT RECEIVE ANY WARNING THIS WAS HAPPENING, NOR HAVE I RECEIVE ANY NOTICES FROM WELLS FARGO BANK.
Consumer complaint received 2023-03-09
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: JPMORGAN CHASE & CO. (VA)

I've been trying to have these unrecognizable inquiries off my credit file for the longest because I never authorized the business that ran my credit to run my credit.
Consumer complaint received 2023-03-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Re : XXXX XXXX Bank of America XXXX This is further complaint and follow up to the above indicated reference numbers. 

Bank of America and XXXX keep ignoring my requests backed up with the laws concerning placing inaccurate informations on my credit report harming my personal credit in making financial decisions. Bank of America and XXXX keep violating my consumer rights and the following laws : 15 USC 1681 Section 604A Section 2.

15 USC Code 5 1681b.

15 USC 1681 Section 602. 
Thus, Bank of America and XXXX both challenging the LAWS of consumer protections and both act in defines in providing adequate action to remove inaccurate and NO proofs ( written ) by consumer. On this occasion I the consumer lend a final demand for the Bank of America and XXXX to REMOVE inaccurate information from my report and I seek to use the LAW : 15 USC 1681n {$1000.00} each.
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/23, I initiated a direct pay transaction from Well Fargo to a third party account that was also held in Wells Fargo. I thought this was going to a person, I knew. However, the account information provided to me was incorrect. The money went to an account that I don't know the owner of. 

On XX/XX/23, I called Wells Fargo to ask to reverse the transaction. I was told by the representation that since the name on the account would not match the name on the ACH, it would bounce back. 

On XX/XX/23, I called the bank again indicating the ACH had not reversed itself. They opened an case ( case # : XXXX ) and was told that I would receive a call within a day or two. 

On XX/XX/23, I called the bank again since I did not hear back from them. I was told the case was opened by mistake. Since I used direct pay, per the terms and conditions I was out of luck and it was too bad. 

Upon asking for next level I was told the same. I asked how it can be reversed and was told the receiver would have to initiate it. The receiver has a Wells Fargo account but they would not check with them to see if they want to reverse. I obviously don't know who the account holder is. 

I am out over XXXX from my business account that is unaccounted for. Wells Fargo refused to help.
Consumer complaint received 2023-07-19
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. (PA)

I have not received anything that validates the alleged debt is mine. I need to see the original contract with my signature and the signature of the person I owe alleged debt to. I need to know who owns the alleged debt as well as their address. According to 15 U.S. Code 1692 ( a ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Therefore if the above information is not provided the alleged debt is not validated and according to 15 U.S. Code 1692g ( b ) all collection efforts shall be ceased.
Consumer complaint received 2023-07-19
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. (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. 

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 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX  I was looking for Life Insurance with my wife and we settled on XXXX. I went through the process of speaking with some and paying an initial application fee of XXXX. I was assured that if I was not insured that the application fee would be returned in 30 days. My wife was denied insurance, and for this reason I decided to reject the insurance. I received a letter from XXXX acknowledging this, and expected to receive a refund within 30 days. Instead on XX/XX/XXXX I was charged {$130.00}. I called XXXX on that day and was told that they would review the issue and respond with a case number in 24 hours. They never responded so I contacted Capital One directly on XX/XX/XXXX and was given 2 credits of XXXX, was told that a block against XXXX had been put in place, and was told that if the merchant did not respond in a set out of time then the credits would become permanent. Transactions in the same amount ( XXXX ) occurred on XX/XX/XXXX, and XX/XX/XXXX. I contacted Capital One directly on XX/XX/XXXX to report the fraud, and was told that my card would be cancelled, and that the transactions would be refunded. I followed up on XX/XX/XXXX as the charges had not been removed and no credit had been given, and was told that not only would the charges be removed, but that it was determined that I was responsible for the transactions in XXXX and XXXX. This is in the face of the fact that it was already determined more than. 60 days prior I was determined to no be liable, and I do not have an account with XXXX. When is a grievous error, and is affecting my credit usage percentage.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (VT)

I went to ATM after hours after picking up kid from XXXX, XX/XX/XXXX at XXXX in XXXX Vermont XXXX I needed to deposit tips from the weekend, most of my income is in cash. I deposited XXXX XXXX 's ; XXXX fifties ; and XXXX XXXX dollar bills, for a total of {$400.00}. I'm absolutely positively certain of this, I live on my cash tips. I knew what I needed in account to cover checks i mailed. I immediately see error come across screen, then option to do a, forced deposit, which I had never heard of before this instance. The machine never kicked out my funds while I was present. I typed in exactly what I know for fact I deposited, and thought it would put funds in account. I visit same branch ATM again XX/XX/XXXX, see {$400.00} deposit ( credit ) then a {$300.00} debit, they took funds back out. I went in bank and spoke to Assistant manager, XXXX XXXX, who said she would file complaint or claim, and she told me " this particular ATM does not like big bills '', such as fifties and hundreds after I told her I size of bills deposited. It was quite clear ATM deposited my XXXX XXXX 's, and did who knows what with the {$300.00} balance in bigger bills. I was told funds would be taken care of but it may take 10-15 days. ,10 days later nothing happened, spoke to XXXX XXXX again XX/XX/XXXX and she states Audit of ATM was recently done XX/XX/XXXX, I should have my funds soon. I received a letter today XX/XX/XXXX stating their investigation is complete and they say I basically lied or tried to benefit from this forced transaction and they or the ATM vendor are stealing my money and not going to fix mistake they created. I would not escalate this situation unless I felt I have been wronged and I feel I was robbed by that machine and don't understand why nobody can check a camera from that night and how is {$300.00} just lost in a machine and nobody can find it? I felt compelled to go above and beyond the company, they obviously don't have my best interests in mind, I will not accept having my hard earned money stolen, by my own bank.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I sent correspondence in XXXX. I attached 2021 document. I have no account with XXXX XXXX XXXX. Experian never responded back about this account but deleted the others mentioned in my letter. It could have been an oversight but according to report # XXXX it still remains. I request this account be deleted.
Consumer complaint received 2023-06-27
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. (GA)

[ 15 U.S.C. 1681 ] I have a problem with Equifax reporting accurate information XXXX XXXX XXXX showing different information on other reports account should be closed and not showing a balance yet it is open as revolving credit. I have proof
Consumer complaint received 2022-12-20
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. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (CT)

This is an incident that occurred on XX/XX/22 by an employee at M & T Bank by the name of XXXX XXXX. The description below is the complaint that I sent to the business and I have not heard anything back. 

I am writing today to file a formal complaint about an employee of your bank, XXXX XXXX. I have learned from a colleague of mine that XXXX visited my place of employment and began to berate me and attempt to defame my reputation. In addition, she proceeded to call me specifically discriminatory names and created a hostile environment for my colleague at our workplace. I have been a customer of M & T fka Peoples United for over twenty years. I have several accounts as well as a mortgage and I find it offensive as well as an invasion of privacy that XXXX felt empowered to discuss anything about me personally in any location, but, especially at my place of employment. I hope to hear back for someone regarding this unpleasant experience and I need to understand under what circumstances M & T as a corporation allows its employees, especially someone in management, to bully its customers in a public setting at their place of employment. I feel that my confidentiality has been invaded and I hope that this matter is taken seriously. I am happy to provide any more specific information about this incident, up to and including other witness ( es ) to this behavior as well as video surveillance. Amidst all of the controversy and customer experience debacles that M & T has been experiencing, I can not seem to understand how behavior like this would ever be tolerated. I have been violated and discriminated against as your customer.
Consumer complaint received 2023-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

I was notified through my XXXX XXXX XXXX account that a negative reporting occurred on XX/XX/23. It is in an amount of {$1100.00} from an unknown source allegedly being collected by Sequium Assets Solutions in Georgia. I attempted to reach this collection agency directly with no response. This is clearly a fraudulent attempt to collect on a non existing debt.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

On XX/XX/2023 I submitted a dispute request to Experian about a item listed on my credit report under the name of XXXX. After Experian done their reinvestigation they stated on XX/XX/2023 they didn't change none of the data under this account. And stated that the data furnisher claimed that. All of information listed under this account was accurate and verified. But if you look at the " date last active '' that is being reported on this account. It is inconsistent on all three of my credit report files. I have uploaded and attached all of the documents needed to support my claim along with this complaint.
Consumer complaint received 2023-02-08
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 (VA)

Three credit cards were opened in my name. 
XXXX XXXX XXXX XXXX for {$500.00} Capital One for {$3200.00} XXXX XXXX for {$330.00} I have reported these cards to the perspective companies. The accounts have been closed and are under investifation.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (WY)

XX/XX/XXXX We were working on modifying our forbearance, due to the XXXX pandemic. Our loan was sold to Selene Finance, they were amazing at first. Very understanding, and willing to help. We filled out the application online and waited. 
XX/XX/XXXX we were sent a packet, stating a modification, raising our interest rate and taking the loan our for 480 months. We were not excited about this rate hike, but the payment would be close to the same, we were under the impression were going to do a partial claim and the lump sum would be added to the end of the loan, and we would keep our rate. Again, we were told to fill out the application, they had dropped the ball on our timeline, their fault, but they would work on it, and we would modify soon. 
We have received a foreclosure notice but are reassured our home is not in foreclosure. 
We have been told this and that is missing, they won't accept this, this is what needs to happen, etc. Again, stalling the process so we are further behind. 
XXXX has sent an inspector to our property, and the inspector not only once but twice has spoken to a third party who is not on the loan, about our loan. When I brought it to the attention of customer service, I was told the inspector for XXXX could speak to whomever they pleased about our loan. NOT TRUE! 
XX/XX/XXXX we finally received another modification letter. The letter I received, was missing pages and very vague. We needed to respond within XXXX days of receiving this letter. When I contacted customer service, they emailed me an entirely different set of papers. We are approved but the rate jumped to 7 % for 30 years and the payment is now over {$500.00} a month more. this is not in our best interest. The dates and amounts do not match, nor do they add up. They want us to make the first XXXX payments to an account that will be put into a suspense account. With XXXX being the first month of the modification. We can only pay with certified funds. From what I understand, from complaints on their website, they won't post your payments. 
I am in the process of working with my states HAF program to help, they said this is not what is supposed to happen. There are government programs to help do what's in the best interest for borrowers, because of the pandemic, and I feel XXXX is dragging their feet, so our loan becomes more delinquent, and they can take our home.
Consumer complaint received 2023-02-25
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. (NJ)

Per XXXX this complaint should go to the U.S. Department of Education. As the loan servicer XXXX I have already applied for borrowers defense and my application has not been reviewed. XXXX is the servicer for my student loans which means they have the ability to review and forgive the debt that occurred as a result of predatory lending. 
My loan balance is currently inaccurate. All the loans for XXXX XXXX XXXX amounting to {$33000.00} should be forgiven. I informed the U.SXXXX Department XXXX XXXX XXXX Borrower defense XXXX case # XXXX regarding this and nothing was done to resolve the matter.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My social security number is XXXX On credit report experian their is Two negative fraud items that have the same account number and balance these duplicate fraud items supposed to be removed and blocked I have a federal trade commission identity theft report on file regarding XXXX their is one negative item that's fraud on my XXXX report and XXXX XXXX theirs three negative items I have a federal trade commission identity theft report on file please have experian and XXXX and XXXX XXXX removed these negative items
Consumer complaint received 2023-05-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: SLM CORPORATION (CA)

TLDR : Sallie Mae advertises thier CD 's as having an automatic renewal option, when they in fact do not, automatic renewal is mandatory. 

Sallie Mae 's CD website has a MASSIVE checkmark advertising an " Automatic Renewal OPTION '', and above it states " When the set time period is over, you can automatically renew for another term or choose to withdraw your money. '' This heavily implies that you have the option ( defined as 'a thing that is or may be chosen. ' by XXXX ) to not choose automatic renewal, when this is not the case. The FAQ is vague and tiptoes around this as well. I called to fix an issue setting up my account and asked them to clarify about the auto renewal option. I was told by the nice representative that auto renewal is NOT an option, and he even admitted that the wording is poor. He even went as far as to say that it was outright wrong. Upon checking the terms and other sources, automatic renewal is mandatory. This is plain false advertising and needs to be stopped. People who are new to finance ( like me ) are being lied to, it's disappointing as that was one of the main perks that drew me too them.