davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (IN)

My personal checking account was frozen and essentially closed by Wells Fargo, without my consent, on XX/XX/year>. I was identified as a " risk '' to the bank because I frequently use XXXX, a service offered by the bank and often withdraw my money as soon as its available. I also frequently make small purchases at XXXX XXXX XXXX cash bank at the register. I have an honest, practical reason for doing so. 

I reside in XXXXXXXX XXXX The nearest Wells Fargo branch to me is located in XXXX, Illinois approximately 213 miles from my home. As a result, it is nearly impossible for me to do basic tasks associated with having a checking account such as make deposits and free ATM withdrawals. When I use " foreign '' ATM machines not associated with Wells Fargo I incur two fees. One from the other bank and a {$2.00} fee from Wells Fargo. This occurs every transaction. I essentially began using XXXX XXXX XXXX bank system as a free way to withdraw money. I'd make small purchases and get cash back in {$100.00} increments until I had the cash I needed. 

I used XXXX, sending/receiving money from my wife and maternal aunt as a means of depositing money in my account. Aside from direct deposits from my job I had no other means of depositing money because again, the nearest branch is nearly four hours away. I had to do everything electronically. I understand my account may have been flagged, but this entire situation could have been prevented by a phone call or allowing me to respond. 

Closing my account abruptly has caused me great anguish and inconvenience. All of my pending deposits were blocked including a payroll deposit that was returned to my employer. I have to find a new bank and cancel all of my bills attached to that account. I imagine I am also now flagged as a fraud risk for all of the other banks/credit unions etc. when I apply for new accounts. I haven't done anything to deserve this. I will likely have great trouble opening new accounts because of this error made by Wells Fargo. 

I also have to rely on the word of customer service representatives who are basically hypothesizing about my situation. I have yet to receive a clear explanation from the bank, in writing or otherwise, explaining why my account ( which has always been in good standing ) was closed so abruptly. I feel I have been wronged. 

As a result of the closure and blocked deposits my account currently stands at - {$1800.00}. I have to contact payroll to see if and how my employer can reissue my check for XX/XX/year>. My aunt 's XX/XX/XXXX XXXX payment to me for {$1000.00} is now also in limbo as Wells Fargo blocked it but it was still withdrawn from her account, we are awaiting the result of a dispute she was forced to file with her bank. They are claiming it shows it was received by my WF account but it was not.
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I Have made a complaint already on XX/XX/XXXX, Complaint # XXXX. Against Portfolio Recovery Associates LLC. They had bought XXXX charge off 's, One from XXXX XXXX Bank, XXXX. # XXXX, One from XXXX XXXX Bank, Acc. # XXXX. XXXX, XXXX continue to harass me. I sent them Postal Money Order reciet 's, but they didn't believe me so they kept on harassing me. I paid of the both Credit Card 's off in the year of XXXX. But I lost a reciet from XXXX XXXX, a {$50.00}, and XXXX from XXXX XXXX, a {$150.00}. But I did pay them off in XXXX. As I Received my Pension from the Military 100 % XXXX, I wrote them to tell them that, they won't be receiving any money as I paid off the both cards. I was going to small claims court for these both credit card cases in XXXX XXXX, but the co-vid hit in XXXX, California.They canceled all cases. What I Think is, they know they got taken to the bank in other words. They've lost so their very angry. So they get their pleasure from destroying my credit rating for the last 5 years. I'm going to court if I can to get them for financially. So they'll think twice about it next time. Thank You, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, Ca. XXXX
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (SC)

Two separate companies have attempted to collect a balance on the same debt. The debt originated from XXXX XXXX XXXX. They have also reopened the collections so it will stay on my report. My credit report says the debt started in XXXX, but in reality started in XXXX.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Mr Cooper/ Nationstar Mortgage Repeated attempts to submit required flood insurance have been ignored Company claims to have purchased floor coverage for {$7100.00} per year for {$250000.00} of coverage even though we have repeatedly submitted proof of insurance It is very, very difficult to get through to any human representative to discuss the matter ( hold times over half an hour. ). In one instance, rep told us account was marked as having received info, but insurance was purchased in any case. 

As an aside, the property is a condo on the XXXX floor of a tower, making a flood exceedingly unlikely. 

Thank you for your help.
Consumer complaint received 2019-09-19
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (AL)

On XX/XX/XXXX my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/XXXX I signed up for XXXX XXXX because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.
Consumer complaint received 2019-04-16
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. (TX)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2024-05-24
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

IN STORE CREDIT - LOST TWO CARDS CARD # XXXX In-store credit of {$270.00} left on card ending in XXXX, the card was lost and I spent the last year going in circles. They tell me they can actually see the outstanding amount available, but they are not willing to give me the credit to use CARD # XXXX In-store credit of {$730.00} left on card ending in XXXX, the card was lost and I spent the last year going in circles. They tell me they can actually see the outstanding amount available, but they are not willing to give me the credit to use
Consumer complaint received 2022-04-04
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-04-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of San Luis Obispo & Santa Barbara Counties (CA)

XXXX XXXX XXXX XXXX and The Credit Bureau of San Luis Obispo have violated my rights under the Health Information Portability Act and released my information without my consent which is now damaging my ability to obtain credit for personal reasons. I requested my itemized bill several times from XXXX XXXX XXXX XXXX after receiving a bill ( not an invoice for charges ). Reporting this information to the Credit Bureau of San Luis Obispo and then mailing it without any privacy security has caused undue harm to me personally. This mail was received first by my next door neighbor, the Credit Bureau of San Luis Obispo and XXXX XXXX XXXX XXXX did not ensure my privacy at all in this matter.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (IL)

On XX/XX/2022, I submitted an email to Consumer Portfolio via their website to inform them that I wanted to voluntarily surrender my vehicle due to mechanical issues that I could not manage financially. I included in the email that the vehicle was located in North Carolina ( not my state of residence ) .I was contacted by a representative from consumer portfolio the next day ( Monday ) gathering more details and also confirming the details I including in the initial email. The lady said its unfortunate that this has happened because I had just made a large payment. She said she will forward the information and I will receive a letter letting me know when the vehicle will be auctioned and my remaining balance. At that time I could make arrangements to settle the balance. I agreed and we ended the call. I then received a letter in the mail stating the the vehicle was repossessed due to nonpayment which ultimately incorrect. I reached out and was told there was no paperwork submitted for a voluntary surrender and I replied none was given to me. This is now being reported credit with false information and adversely affecting my credit score and ability to purchase my home.
Consumer complaint received 2022-04-04
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. (FL)

Creditor : XXXX Inquiry Date : XXXX XXXX Please remove this collection account from my credit report. I have never heard of this company nor have I ever done business with them. 

Creditor : XXXX XXXXXXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report. This account is reporting incorrectly. 

Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report I am not aware of this Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XXXX XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XX/XX/202XXXX XXXX
Consumer complaint received 2022-04-04
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. (FL)

Creditor : XXXX Inquiry Date : XXXX XXXX Please remove this collection account from my credit report. I have never heard of this company nor have I ever done business with them. 

Creditor : XXXX XXXXXXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report. This account is reporting incorrectly. 

Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report I am not aware of this Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XXXX XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XX/XX/20XXXX XXXX
Consumer complaint received 2016-03-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MN)

Navient is a predatory lender. 

My student loan I took out on XXXX/XXXX/XXXX Loan number ending in XXXX also attached at 3.75 % interest that was until XXXX XXXX XXXX set at 3.75 % has now been raised to 4 % interest rate! This is completely absurd to raise my interest rate. Also I am on an auto pay program and still they have raised my loan rate. 

Secondly I was charged a ridiculous repayment fee for my loans. A fee to start paying back my loans on top of the consolidation of all the interest. Navient over the years has harnessed me with bill collector phone calls and pushed me around to other customer service representatives time and time again and has never resolved my issues with the repayment fees. This lender is charging absurd amount of extra money on top of already getting XXXX of dollars from me.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (KS)

Ok i have been trying to clear up some inaccurate late payments with The Lending Club since XX/XX/XXXX and for some reason they will not acknowledge or fix the error art all. There are 2 accounts reporting 30 day and 60 day Late payments in XXXX. Now these accounts are on auto pay and i have never ever missed a payment with the Lending Club. The account they come out of has never overdrawn or anything, so the payments should have been paid out as scheduled. I spoke with Lending Club on the phone about this and told them the error was on their side not mine. Even with this they refuse to take responsibility and are reporting these late payments on my credit profile which is seriously hurting my credit score nd making me look unreliable to any financial institutions causing me to get denied for loans both personal and for my business. If these payments were actually mossed I was never notified properly 21 days before the due date to even clear up the billing error.
Consumer complaint received 2019-04-11
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: Conduent Incorporated (CA)

I received a deposit of {$23000.00} on XX/XX/XXXX onto my XXXX debit card for back child support payments. Beginning on XX/XX/XXXX ending on XX/XX/XXXX, my XXXX/XXXX number was stolen ( My child support payments are deposited onto this card ) and fraudulent charges in the amount of {$21000.00} were made. I live in XXXX CA and most of the charges occurred in XXXX CA and on dates that I can prove myself nor anyone I know were in those cities. I have always had my card in my possession. It has never been lost or stolen. I had no idea of the fraud until I tried to use my card and it was declined. I called the automated XXXX phone line and was alerted to there being a {$0.00} balance. On XX/XX/XXXX, I immediately contacted XXXX to report the fraud. I was told that my statements would be mailed to me so I could review the charges. And that I only had 10 business days to place a fraud claim. On a side note, I have been in contact with XXXX numerous times regarding issues with accessing my account online. I was told a technician would call. And I have still not received a call from a technician. If I had access to my account information online, I could have noticed the fraud in XX/XX/XXXX instead of two months later in XXXX. When I had not yet received the statements in the mail by XX/XX/XXXX ( 1 day before the deadline ), I called XXXX again and was told the statements had never been ordered by the rep I spoke to on the XXXX. So, I spent 3 hours on the phone with XXXX handwriting every transaction that was not made by me. I faxed all the required documents on XX/XX/XXXX. Then on XX/XX/XXXX, my statements arrived and I found additional fraudulent charges. I re-faxed the updated information to XXXX on XX/XX/XXXX. When completing the paperwork for the XXXX claim, I did make note that my daughter, prior to XX/XX/XXXX, had used my debit card, WITH MY AUTHORIZATION and with me in the car. Due to this, XXXX closed my claim with no investigation. Please see attached letter regarding the closing of my claim. I was never offered the option of direct deposit for my child support payments, but have now set that up. During this time, I filed a police report and reached out to XXXX XXXX, the issuing bank on the back of the card. XXXX XXXX was of no assistance stating that XXXX is responsible for the handling of fraud claims. My issue is that {$21000.00} of my money was stolen and I am not receiving the attention this dire situation merits.. I am not the only XXXX holder that is in the situation. If you XXXX " XXXX Fraud '', you will find over 600 bad reviews. I feel like I am running in circles, having spent hours on the phone, sleepless nights and experiencing high anxiety, with no help or resolution in sight. I would like to file a claim against XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I deposited a settlement check from a lawyer 's office and although they said funds were available two days after, it still hasn't posted. I contacted the bank several times and am being told to wait that there's a hold until XX/XX/22 the check was deposited on XX/XX/22 .My siblings all received the same check and they all have already cleared by their banks. They have not released any money to me.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (SC)

The account with NETCREDIT account ID XXXX was paid in full with home the refinance XX/XX/2019. The company continues to report the account as past due XXXX which is a lie. Recently I contacted NET CREDIT and received an email regarding account ID XXXX stating I was due an overpayment of XXXX from the payoff. However When I pulled up the contract, they have stamped the account paid in full XXXX. I have not paid any funds or paid any amount since the account was paid in full XX/XX/2019 and was a current account. This company has me past due for 28 months after the account was paid in full. I have the paid check from the attorney, the email that they owe me money, and a stamped PAID contract with the incorrect date. This date of XXXX is a lie and they are misrepresenting the date of payoff and also, How could I be late when they have sent me an email stating they they have been trying to send my a refund check. If they were over paid during the refinace how can they continue to show that I am late. This company if NOT following the guidelines for Fair Credit reporting and. I have contacted all XXXX credit bureaus and XXXX said that the dispute is closed due to the company report the balance of XXXX as correct and I also sent them documentation but they will not do anything about it. I told XXXX that I was report their action too of not following up with the documentation sent to them to have the account corrected or removed from my credit report.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Premier Mortgage Resources, LLC (TX)

On XX/XX/XXXX, my automatic mortgage payment for XXXX did not go through to my mortgage lender, even though the payment was set-up on autopay in the mortgage companys portal ; the payment did not come out of the bank, but was rejected. There were no warnings from lender to me directly that it was didnt go through ; I didnt receive a single email or voice message warning me that the payment had not paid. 
This happened during the onslaught of the COVID and the major lockdowns, and due to family hardships during COVID, I was staying out of town with family for support reasons and was not even aware that my account wasnt being paid. 

Once I was aware of the situation, I immediately paid the bill and called and emailed the mortgage company multiple times requesting they remove the mark on my credit report. 

I called the mortgage company in XXXX XXXX and sent a letter on XX/XX/XXXX and a follow-up messages on XX/XX/XXXX and XX/XX/XXXX. ( I have attached these letters in the document portal. ) The mortgage company did not reply to my inquiries and gave me this late payment mark on my credit report. I now can not get critical financing I need for my family, because of this mark on my credit, and the company will not help with this unfair situation.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a Bankruptcy in 2010 my Bk was discharged I included the Mortgage and the charge off of the mortgage in my bankruptcy. The bank is Bank of America in 5 years thye have not released the lien nor have they taken my name off the property I am being held liable for all the expenses that are incurring on the property. Iahve called them several times they say they reconcongize the mortgage and the chargeoff and it was included in my bankruptsy they are saying I tried to do a loan MOD which is not correct they will not show me any paperwork or anything I have been dealing with this for 5 years now it is causing me financial hardship and stress.