davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Yes, so I have the Wells Fargo app on my phone I rarely check it my account only when I get paid which I get paid every two weeks. I had recently lost my debit card on Wednesday today is currently thurs. I have been looking for it thats why I didnt call my bank because I didnt want to change up all my information. But today I received an email saying my card was declined I check my email and it says that a withdrawl and deposit was made on my account of XXXX and a withdrawal declined for XXXX I live in XXXX XXXX so it really was gut wrenching when I seen XXXX XXXX. So I immediately called to switch out my card and all my info. I dont know what else they were able to get a hold of. What other information of mine.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Experian is reporting that I was late on my XX/XX/2021 payment when I personally spoke with XXXX XXXX and they told me I was only 6 days late in XXXX. And they sent me the statement to prove. Also I didnt authorize these inquiries on my credit profile.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I have contacted the company on XX/XX/2021 regarding a debt validation and have not received any correspondence of the validity of the said debt. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Consumer complaint received 2021-10-07
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: EQUIFAX, INC. (TX)

XX/XX/2021, I reviewed my credit report and discovered some unauthorized inquiries, I submitted a letter to XXXX XXXX and Equifax and they have refused/ ignored my request.
Consumer complaint received 2024-02-27
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. (GA)

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2021-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2021, I made a check deposit of {$13000.00} into my business account. I made this deposit inside a branch with a teller. My receipt stated that there would be a hold on the availability of those funds ; the hold on the check that I deposited will be available on XX/XX/2021. 
On XX/XX/XXXX I received a text message that the hold was going to last until XX/XX/2021. 
Between XX/XX/XXXX and today, XX/XX/XXXX. I sent chase five secure messages via my secure messages account inside of my chase online account. 
On XX/XX/XXXX @ XXXX XXXX  PST., I received a text message from Chase stating that. The hold was released on my account. 
Today is XX/XX/2021. At the time is XXXX XXXX  PST. I still do not have access to the funds I deposited. I am submitting attachments so that you can see what I'm Speaking of.

Chase has had utilization of {$13000.00} of my money for three days because it is not available to me. I deserve interest on those three days. They held my money and used it for other investments.

In the secure message that I received, Chase advised me to call XXXX and that is to the deposit hold department. When I called them, I was on hold for an excess of 1 hour 30 minutes ; and when the representative did come on the line after 1 hour 52 minutes, he said he could not hear me and disconnected the call. This is so totally unfair.
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (AL)

I submitted a loan consolidation request to Federal Student Aid on XX/XX/XXXX. As of today, XX/XX/XXXX I've heard nothing on the status of the applicaition. I called XXXX since I chose them as the loan servicer and they said they have not recieved information about my loan from American Education Services. I want to file complaint about both XXXX and American Education Services for being non-responsive to my loan consolidation application.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

In XX/XX/2020 an derogatory account was reported for the amount of {$2300.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I am in desperate need of this account being removed.
Consumer complaint received 2021-10-08
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. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

On XX/XX/2021 we ( Suburban XXXX XXXX XXXX XXXX ) sent a wire to PHH Mortgage Services Payoff Department in the amount of {$320000.00} which showed on the bottom line of a mortgage payoff letter, however that bottom line was not the payoff amount but the Original Principal Balance. The Payoff amount was {$280000.00} a {$40000.00} difference, when I called PHH I was told to send all documents to their research department at fax # XXXX, which I did. When I hadn't heard anything I called and was told they can not help me because the monies will be given to the mortgagee and not returned to us even though we sent the wire. Unfortunately the borrower has been in the XXXX  having XXXX XXXX and I am not able to get in touch with her.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I disputed the incorrect information. The company received the information from XXXX XXXX indicating that the late payments were reported in error. The company only removed the two thirty day lates. They did not remove the 60 day late although XXXX XXXX indicated that the payments were posted incorrectly. I was not late in XXXX or XXXX so there is no way that there was a 60 day late. I applied to refinance my house after I was told everything had been corrected. I was denied. I want the incorrect information removed, the inquiry removed, and my credit rescored.
Consumer complaint received 2021-10-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (NJ)

I disputed with the company on XX/XX/XXXX the company received my dispute on XX/XX/XXXX. it shows now XXXXand I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response
Consumer complaint received 2021-01-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

For over five months I have been trying to closed my account with TDbank, I called customer service several times asking them to close my account but they advised me they can not close it over the phone and I will need to visit the bank for me to close my account. I have since visited three different branches and was told that all account was closed with a XXXX balance, I requested written verification showing the accounts are closed but they advised me they are unable to give me such a letter and instead they continued to send me harassing letters requesting maintenance fees and recorded messages.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On Monday XX/XX/21 I tried to deposit a {$750.00} check at my Wells Fargo bank ATM ; after inserting my card, entering my PIN, and pushing the buttons to make a deposit, I was prompted to put the check into the ATM, and did so. After several minutes ( an unusually long period of time for a deposit ) the ATM said it was still " scanning '', and then the ATM shut down, and posted an " out of service '' message. I called the bank 's customer service line while on the spot, submitted a complaint, but didn't get much information. Went home, logged in, and saw no credit for my deposit ; the next day I still had no response from Wells Fargo, and I was concerned about only having the phone call, so I submitted the complaint to Wells Fargo online ( hoping to be able to provide more information, but unfortunately Wells Fargo online customer service is extremely limited to checking boxes, with no means of submitting details ). I ended up with two complaints with Wells Fargo, which were consolidated into Claim Reference No. XXXX. It is now the end of the third week after the event, without the matter having been resolved, which strikes me as unusual ( one would think Wells Fargo would've opened the ATM the next day, found my check that its ATM ate, and finished processing that deposit, with a final credit well before now ). How long should Wells Fargo be able to take to resolve a simple matter like this?
Consumer complaint received 2022-09-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (GA)

Nationstar Mortgage LLC/XXXX Mr. Cooper LLC- We had a bankruptcy 12 years ago and according to our attorney a re-affirmation agreement was never filed by our mortgage lender. Therefore credit information was not accurately reported and Nationstar/Mr. Cooper never filed the agreement as required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MD)

On XX/XX/XXXX, I received a notice from Discover Card that they were closing my account after only have it open for 2 years. The reason I was given was for inactivity on my card. I just paid the card off in XX/XX/XXXX, so it has only been 8 months since any activity on the card. I was retaining the credit for an emergency since they would not raise my limit due to me not using this card. I feel this is very unfair when I am being responsible with my credit usage and only using it when it's absolutely needed, especially now during this pandemic, people are constantly losing their jobs and lives because of this virus. I also work for the XXXX XXXX and have to deal with the threat of not being paid every year due to congress. I choose not to use my credit card recklessly but responsibly and I am penalized for it. This hurt me in several ways, it knocks my credit score down because they closed it, it also adds a hard inquiry on my card because they told me the only way I could get it back was to apply again. This is not fair to me when I did nothing wrong but save my credit card for something that was important. I lost my dad to Covid and had XXXX  myself it's not a time for me just spend my credit card so they make money off of my interest. I would have preferred a warning if I didn't use the card or my limit reduce if they felt that but not close my credit card. This was very disrespectful for this company to do to someone.
Consumer complaint received 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX replied back on Complaint # XXXX and stated " This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. 
Keep track of the original complaint numberXXXX you can track its status and receive the company response on your Consumer Portal or by calling us. '' Attached is XXXX 's reply on complaint # XXXX. Complaint # XXXX is not the same issue as stated " Per Consumer Financial Protect Bureau Section 1026.56, Requirements for over-the-limit transactions for XXXX ending in XXXX ; permission was never requested from XXXX nor given to allow for the over-the-limit-fraudulent transactions. ''
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX-Balance {$0.00} XXXXXXXX XXXX XXXXXXXX-Balance {$0.00}
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (VA)

I have a recurring preschool tuition charge to my Citi Priority checking account. A few business days before the XXXX monthly charge kicked in, I realized the account is a XXXX XXXX dollars short, so I transferred money from my brokerage account ( also with Citi ) to the checking account. A few days later when I followed up on the app, I realized the transfer did not go through and was nowhere to be found, so I tried again. It disappeared again, and at this point, the charge kicked in. So I got charged {$34.00} NSF fee ( which Citi later refunded ) and {$50.00} NSF fee by the school, and my balance dipped to negative. I tried transferring money from the brokerage again, and it kept showing error message 'Your request can not be processed at this time. Please try again later '. I tried transferring from my account with another bank, and got error message 'You 've reached the maximum number of accounts allowed. To add a new account, you must first delete one ', while in reality this is the first external account I have. I don't want the overdraft status to be reported to XXXX ( or whatever bank activity reporting system ) and get ding'ed in the future. I have many incidents with Citi before, and it's truly the worst. 

Account transfer reference number ( I forgot to take the first one, but did have pictures of the next two once I realized the first one disappeared ) : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
Consumer complaint received 2024-02-27
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)

The account that I am disputing is ( XXXX XXXX ) I have disputed this account on several occasions, and I have been told that this account has been verified! I sent in a letter from the courts that this account was dismissed, and they are still reporting this account on my consumer report. This account is outside of the statute of limitations for me sued, and therefore I want this deleted from my report.
Consumer complaint received 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False misleading information furnishing deceptive forms must remove late payments in the payment history. The accounts are listed below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021 I wrote a letter to all 3 credit bureaus in regards of items that I disagree with on my credit report after I pulled my report. I sent out my letter certified so I can keep track of all my documents because I know they have a certain time for responding to my letters. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is unfair that these credit bureaus are putting crazy items on my report like this.
Consumer complaint received 2021-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (KY)

This company is in violation of multiple FDCPA laws. I have sent a validation debt letter and also a cease and desist letter over 45 days ago to this company, I have not seen this inaccurate information removed from my credit report. I demand this company to stop reporting inaccurate and unverifiable information immediately and to cease all forms of communication with me through any and all mediums.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I applied for a credit card as I am filling out the application they do not have any confirmation screen telling you about the credit limit and they do not let you now that you are about to start a credit line. This is done to mislead people cause they have no choice. And they know people wont deal with. They did this on purpose with a XXXX XXXX apr and there misleading tactics. Next is not a confirmation I would like to know what the credit limit is and if that button is going to create a credit line. This should be illegal
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc (TX)

For now over and 1 1/5 years I have been disputing with XXXX this account from POSSIBLE FINANCE listed on my credit report. Every single time XXXX is stating that you every month is telling them this account belong to me. I have never opened this account with you. I have never received a bill or anything to my address and because I have had enough with XXXX not removing this fraudulent account, I have sent them an Intent To Sue letter. I received a call from them and they insisted that I filed an Identity Theft report with the FTC and send it to you that is a fraudulent account and that you re the ones that are able to have this removed from my XXXX credit report. I am beyond frustrated and if this is not handle soon, the only recourse if to file a lawsuit in small claims court against you. Please see my attached ID Theft Report and review.