davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CT)

We opened a petty cash account with our other accounts at Wells Fargo so my wife could buy groceries or make other small purchases without accessing our main checking account which we used to pay for our larger monthly expenses e.g. mortgage, car payments, etc. 

We hadn't used the account in a few months and I noticed we had a small negative balance. When I checked I saw a {$30.00} fee being assessed monthly over the prior three months or so with no other charges. 

When I inquired with the bank on the reason for the fee, they advised it was associated to the type of account being a premier portfolio account. I advised that was an error and we only used the account for petty cash purchases. 

The representative apologized for the error and reversed the maximum of the fees she could access and noted the issue would need to be escalated and addressed by the investigations team, as it extended back over years. She further advised the issue would be resolved in a few days. I waited a week and checked to see if the fees had been returned, but they had not. I called the bank and was advised that no investigator had been assigned to my case but would be assigned soon. I waited another week and again contacted the bank and was again advised no investigator had been assigned, When I asked the representative to speak to a supervisor. I was told that supervisors did not speak to customers. I called the main customer service number and they escalated to the executive office and I was told once again that an investigator would need to review the case, but no time frame could be honestly provided. I was told I could call periodically to obtain status. 

It has been almost a month and a half since I first called the bank and the fees are likely close to a {$1000.00}. It would be very helpful to have them reimbursed before the holidays.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IA)

I deposited a $ XXXX check that was issued from the State of California on XX/XX/15. I always deposit my checks via the ATM and this was no different. I also deposited a workers comp settlement check for $ XXXX about a month prior with no issues or holds. I requested an email receipt which did not state anything about an excessive hold. A couple of days go by and I notice that they have not made any of the $ XXXX state check available to me. I contact the bank and they gave me reasons that don't make sense as I've never had any type of hold on any checks before. I told them this was a state check and funds will be there with no issues with it clearing. I also provided proof that this payment is legit and belongs to me. Proof from the state of California regarding approval for the $ XXXX workers comp voucher return to work fund as well as a copy of the check stub with the State of California information on it. That did not matter. Now my funds are on hold for almost 14 days. 12 days after I deposited them. They will not release funds from a STATE ISSUED CHECK until XX/XX/XXXX! This money is to help people who have been injured on the job to compensate for loss income. And US Bank wants to HOLD this money from me. I needed the money to help move. Unreal.
Consumer complaint received 2018-08-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AL)

I sent XXXX dollars to my friend in XXXX that I send money to often to have things done to and for my home in XXXX. When he went to get the money, with his I.D . and the ref. number and was given the run around at every place that he went to get the money from MoneyGram. Then at the last place that he went they wanted me to call a XXXX speaking MoneyGram number in XXXX. I called the number on my receipt and when I complained 2 different people started asking questions that were none of there business like do you know this person, why am I sending him money and what am I sending the money for and I told them he was taking care of things being done at my home. They continued invading my privacy to the point I told them it was none of there business and issued a refund. This company should not be allowed to have a business if they don't intend to do the service anyway. I really hope the government doesn't own this to get involved in peoples business. I really would like some kind of action against them and I would like a reply from you. Thank you
Consumer complaint received 2018-05-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are 3 inquiries that were done in the year XX/XX/2016 these 3 inquiries were to drop off my report. To date they are still reporting. I tried getting online to dispute this information and have it removed being its been 2 years but was not able to get online with transunion to do so. I always have a problem viewing my credit report with them
Consumer complaint received 2018-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Linebarger Goggan Blair & Sampson LLP (VA)

We are a corporation located in the XXXX XXXX of Virginia. Our corporation is XXXX, XXXX. 
We received a collection notice from the law firm of Linebarger , Goggan , Blair & Sampson, LLP. The collection stems from a red light camera ticket, which we never received notification of, that allegedly occurred over ( 2 ) years ago in XX/XX/2016. 
Upon initial contact with the stated law firm, we were advised that no proof or copy of the ticket could be provided to us and that WE COULD NOT contact the clerk of the court in the county in which the ticket was issued, and even if we did, the clerk would not speak with us. We were further advised that no other options were available and we had to deal solely and directly with the stated law firm. When we requested the citation or case number, we were given an incorrect case number. 
Upon secondary contact with the stated law firm, a supervisor name " XXXX XXXX '', advised us that the clerk of court of the county in which the ticket was issued had instructed the stated law firm not to negotiate or settle any tickets for less than the demanded amount. 
After contacting the clerk 's Office of XXXX County Court, we were advised that the information that the stated law firm had given us was false. The clerk stated that we could talk to them about the traffic citation at any time. The clerk further stated that they had not in fact prohibited the stated law firm from negotiating the fees they themselves had added to the citation for cost of collection. The clerk continued to advise us that we in fact had recourse with the court and could ask for the ticket amount to be reduced. Even more, the clerk stated that we could pay the clerks office directly and did not have to deal with the stated law firm as instructed. 
We assert that the above interaction with a debt collector is a blatant violation of the fair debt collection act to the extent that the stated law firm continually lied and provided disinformation to us regarding the alleged debt solely as a tactical means employed to increase the odds of collecting the alleged debt.
Consumer complaint received 2019-11-07
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. (MO)

I have submitted a dispute with Experian twice with photos of evidence that a collection they recently placed on my credit report should not be on it. Legal documents from the court saying that the case was dismissed. And another legal document shows that the account is 12 years old and to old to be on my report.
Consumer complaint received 2022-06-20
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. (TX)

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX withXX/XX/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
Consumer complaint received 2022-06-20
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: CL Holdings LLC (FL)

In accordance with the Fair Credit Reporting XXXX Account # XXXX Ending # 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 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (IN)

I have had a Wells Fargo credit card for years. I always make automated payments by providing my checking account routing number and account number. Recently I moved my checking account to a new bank. I need to give my new routing number and account number to Wells Fargo so my account will not become delinquent. I tried providing the information on the website but found it to be impossible. I tried sending an email through the website message system and was told i had to call an XXXX number. I tried the XXXX number and was told they can not take this information over the phone. In other words, Wells Fargo makes it impossible for me to make this payment and just wastes my time with runarounds.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (OH)

I've been trying to obtain my credit scores and reports through credit karma but i have had no success. I have submitted all proper identification they require and still no success. I have uploaded it into their system as well as mailed it.
Consumer complaint received 2021-11-29
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. (CA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-06-20
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. (TX)

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX withXX/XX/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
Consumer complaint received 2020-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to apply for a mortgage to buy a house for me and my daughter and was denied because of negative accounts on my credit profile. After reviewing my credit report I found that someone has been using my name to obtain credit. None of the accounts listed in my identity theft report belong to me. This is extremely frustrating as I am trying to buy my first home.
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (SD)

I had XXXX XXXX internet service about 4 years ago, for literally less than two weeks. The service was not as promised, so we canceled it right away. Since then, I have been contacted by a number of different collection agencies regarding a bill of {$690.00}. I have disputed the amount and collection agencies over and over on my credit reports. It showed up again today. I do NOT owe this money, and the lady I talked to when I closed the account in early XX/XX/2014 assured me that my account had been credited to a XXXX balance and then closed with no further amount due. Today again, I see this showing up on my credit report with a new collection agency name ( EOS CCA/account number XXXX ). This account should NEVER have been sent to a collection agency at all for less than two weeks of service that didn't work and a XXXX out balance. The service not working correctly was why we canceled in the first place. I do NOT owe XXXX XXXX or any collection agency {$690.00}. XXXX XXXX should never have sold this account to any collection agency over 3 years ago. I spoken with XXXX XXXX today and they refuse to assist me with this matter at all. I am not paying a collection agency {$690.00} for a bill I was told was XXXX balance, especially for service that I canceled within two weeks.
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the Fair Credit Reporting act XX/XX/XXXX Accounts,XX/XX/XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) have 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 Inquiries that I did not authorize : XXXX XXXX : Requested on XX/XX/XXXX & XX/XX/XXXX Bank XXXX XXXX : requested on XX/XX/XXXX XXXX XXXX XXXX : requested on XX/XX/XXXX
Consumer complaint received 2018-04-26
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: EQUIFAX, INC. (AZ)

One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX   XXXX from XX/XX/XXXXor before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Complaint To Delete Inaccurate Information The Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ) grants you the right to dispute any information you believe to be incorrect, outdated, or unfairly reported in a credit dispute letter. This document formally requests the credit bureaus to investigate the disputed items and correct any inaccuracies. And send proof of reinvestigation including documents received. 

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing to remedy this breach. Please help me delete these illegal accounts from my credit reports. 

Account names and account numbers XXXX XXXXXXXX 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 2016-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Source Receivables Management LLC (KY)

I have a fraudulent account opened through XXXX. I have filled out the Fraud Paperwork several times and had the debt removed finally that was being pursued by " XXXX XXXX ''. The debt was removed and I check my Report this morning and now " Source Recievable Collections '' is placing this account on my report and attempting to collect. This is affecting my attempt to clean my credit and purchase a home!!! The XXXX Fraud department is denying the receiving of my fraud packet and continue to bounce this fraudulent debt from debt collector to debt collector. The account is not mine and the addresses associated with the account set up by XXXX are n't even remotely a address I have lived at.
Consumer complaint received 2015-10-31
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (MI)

I am a rush card memberOn XXXX XXXX, 2015 funds that were on my rush card disappeared! Due to a system issue with rush card my funds havent been available to me for close to a month now! Everytime I call rush cards customer service and ask about my money and where it is they hang up on me! I just want my money the money that I worked hard for and because of rush cards unprofessional business my gas and lights were shut off! Im not planning to file a lawsuit against this company because they will not release my money!
Consumer complaint received 2022-06-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$8500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) I have attached proof of payment on this account. The lates that are reporting are also incorrect. This account needs to report a {$0.00} balance and no lates. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff with lates is seriously harming my credit score and  this line item needs to updated and/or removed. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, I started a refinance application to refi my primary residence mortgage ( Already a Chase loan ). Over the subsequent months, I was told that I could get a better rate. 
On XX/XX/2021, I received a Closing Disclosure stating that the rate would be 2.875 % and cost {$5600.00}. 
Then, on XX/XX/XXXX, I received another Closing Disclosure stating that the new rate was 2.625 % and cost {$18000.00}. 

I texted my mortgage agent XXXX XXXX and thank him for looking after me, but I was concerned about the higher costs. He later called back and said that someone in the back office had made a mistake and reclassified by building from a multiunit to a single-family home and that he would get back to me. I was a bit confused about this error because my loan was already with Chase. After a few days, he said that he could not honor the 2625 % rate because of the error. I told him that I did not cause the issue and that I would hope to honor the rate and provide me with better costs. Then, his manager XXXX joined a call and told me that they could not honor that rate. 

We went back-and-forth for around two weeks, and after finally being so frustrated with wasting my time, I told them to give me a final rate and costs. And on XX/XX/2021, they finally sent me a new Closing Disclosure rate of 2.75 % and costs totaling {$25000.00} in fees. I was floored that for over three months trying to reduce my payments by {$250.00}, they returned and wanted to charge me over {$25000.00} to do this. Not only did they wasted over three months of my time, but they also were trying to give me a predatory loan. I'm afraid that's not right.
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

15 U.S.C 1681 Sec 602 A States I have the right to privacy. ( This has been violated by the original creditor selling my personal information to a third party agency ) 15 U.S.C 1681 Sec 604 A Sec 2 also states a consumer reporting agency can not furnish an account without my written instructions to do so. 

The snapshot attached shows the inaccuracy on my report. Therefore I would like this account to be removed.
Consumer complaint received 2022-06-20
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: Synovus Bank (NV)

The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reporting is inaccurate this is ground for removal, and they also violated my rights under 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Here 's my certified mailing tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation (NY)

Received a letter from them stating I had applied for credit and requested documentation. 

Original Pay Stub Copy of Social Security Card Copy of last tax return Original recent utility bill I have never head of this company or applied fro credit from them. I haven't applied for any credit since XXXX XXXX