davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

On or about XX/XX/2019, Wells Fargo executed a Legal Order submitted by the CA Franchise Tax Board. In addition to debiting {$340.00} from my checking account without my permission, Wells Fargo charged me a {$120.00} Legal Order Fee. 

If that Legal Order was correct, I could see that I might be responsible for the fee. However, the Legal Order was clearly an error on the part of the CA Franchise Tax Board. Upon contacting them, they immediately faxed over to Wells authorization to return the funds. See attached screen print of the transaction. The fax was sent within hours of me contacting the CA Franchise Tax Board. 

After days of arguing and escalating the issue with Wells Fargo, they refuse to return the {$120.00} fee because they argue they received a Release Order and not an Admittance of Error.

Apparently, this is a common issue at Wells Fargo. If they do not get a party that serves a Legal Order to admit in writing that they made an error, they will not  refund the fee. Notwithstanding the proof is right in their system that the release was performed immediately. I owe no money to the CA Franchise Tax Board and at the time of this transaction, I was 100 % current with the few hundred dollars that I did owe them. They just made a simple error in processing my check, which they acknowledged on the telephone, hence the immediate fax to return all of my funds taken ( without deduction ) or hold, all within 48 hours, beginning to end. BTW, the fax was received by Wells Fargo on XX/XX/2019 and did not process until XX/XX/2019. 

I did not initiate the transaction resulting in the fee, I did not authorize the transaction causing the fee. I am not at fault for anything related to the fee or Legal Order. This can not be Legal. 

This fee was assessed upon me and I had no control over its application to my account. Wells Fargo has clear and convincing evidence that it was an error, but chooses instead to profit from the fee. Well 's recourse is with the CA Franchise Tax Bureau,  not me, and CA will never admit their mistake so they will be accountable. I can only imagine the 1000 's of customers being charge a fee for what I understand to be a not so uncommon error, and Wells Fargo benefits from it. 

If this is not an Unfair and Deceptive Practice, I don't know what is! 

Wells Fargo Customer, but not for long.
Consumer complaint received 2018-04-08
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: National Credit Adjusters, LLC (NY)

National Credit Adjusters reported a fraudulent account from XXXX XXXX on all three credit bureaus. They must have purchased the account and then reported it as accurate. This is a fraudulent account - National Credit Adjusters are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by reporting fraudulent information on my credit reports
Consumer complaint received 2023-04-06
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. (NY)

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's le be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will ght back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be conrmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more condent in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and veried information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Consumer complaint received 2023-06-12
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WINN LAW GROUP, APC (CA)

Winn Law Group has put a judgement on me and wage garnishment over a XXXX  account I never had applied for. Every year they put a hard inquiry on my credit report without my consent. I do n't know what they want from. This is illegal practice of theirs. They need to remove this judgement off me because they have no valid proof that debt belongs to me.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The account appearing on my credit report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted. The identified transactions are not information related to any transactions by me as the consumer XXXX XXXX XXXX XXXX ACCT NUMBER : XXXX  DATE : XX/XX/2017 XXXX
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CT)

I am a XXXX year old single mom and I have XXXX XXXX. I fell behind on a few of my credit cards, all with Chase bank. I have three accounts with them. XXXX, Freedom, and Amazon credit cards. They finally 0put me into zero interest, bu only after I researched it ( they did not offer it to me ) and then gave me conflicting dates on when the payments were due -- told me a payment was not due when it was, and now I am so far behind I can never catch up. 

They simply doubled the payment due. The website portal also shows a different amount due than what they tell me to pay -- so that adds to confusion. One payment on one card alone is almost {$700.00}. 

At this point I owe Chase about {$25000.00} -- most of which is interest since they put me into " penalty pricing '' -- a higher interest rate. I explained that I am working part time due to my XXXX diagnoses -- to please stop billing me -- to close the accounts -- and I can pay them a lump sum of 30 percent in XXXX to settle all debts. I get paid out of the XXXX I XXXX and I have a lump sum payment which totals {$3500.00} and then my income tax return should mirror last years which totals about {$4000.00}. They refused to settle the debt for less than 90 percent of what is owed. Please assist me. I don't want to commits bankruptcy. Thirty percent of the current debt is {$7500.00}. Tacking on interest to someone that already can not afford to pay is a play right out of an organized crime playbook.
Consumer complaint received 2019-09-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY (NC)

I am a co-signer on a Wells Fargo student loan for my daughter ( Loan # XXXX ). She missed several payments in XXXX. Wells Fargo failed to contact me as a co-responsible party and subsequently entered poor credit information on my credit report. Wells Fargo fails to update their systems so that notifications are timely and immediate corrective action be taken by the co-borrower. I was issued three Wells  Fargo complaint numbers ( # XXXX, # XXXX and # XXXX ), all failing to resolve the issue. I will attach evidence Wells Fargo changes information in their internal systems regarding contact information that I neither requested or agreed to - and they changed it to a wrong address - more than once. Yet, Wells Fargo have my correct email address but still fail to send me notifications as the co-borrower. I requested, due to their negligence, that Wells Fargo remove this erroneous reporting. They refuse to do so. I know I changed my contact information XX/XX/XXXX - they failed to update it in their system. 

Given issues with this loan, I paid the loan off in full on XXXX XXXX. I sat in front of loan officer XXXX XXXX at the Wells Fargo Bank on XXXX XXXX XXXX in XXXX NC. I told her my goal was to pay the loan off in full that day and to dispute late fees and credit reporting due to Wells Fargo 's lack of proper loan servicing. XXXX told me the payoff - minus the late fees, which they were waiving - was {$4700.00}. Indeed, they included {$230.00} in late fees ( documents attached ). They  subsequently refunded my daughter {$48.00} - they still owe me {$180.00} ; they refuse to refund this amount. 

I have tried and exhausted all my attempts to resolve this issue with Wells Fargo - they are impossible to work with. I request your help in getting both my credit rating restored back to it's near perfect rating - and the refund that is owed. 

Thank you
Consumer complaint received 2019-09-30
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. (NY)

Several years ago I was a victim of I.D theft resulting in a number of student loans appearing on my credit report. My repeated request over the last several years to have this matter rectified has been to no avail. TransUnion, has taken the hard knock positions that this matter has been investigated and that no further investigation is warranted. I have requested that this issue be looked into under Section ( 609 ) of the  Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. ( This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is mines ) has been non responsive. In fact TransUnion response has been vague, it does not explain what they investigated, the nature of and results of their investigation, who they talked too or when the investigation took place. In fact, unlike XXXX & XXXX and they have repeatedly failed to prove me of a copy of my credit reports in order to substantiate their findings.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I called Menards to tell them I was unable to make my payment because of COVID. 
I was laid off and unable to work. 
They told me that they would waive fees and not report the lates to credit as long as I paid within 90 days - Which I have and am caught up with my payments. Card is more than half way paid off at this point. 
I was not supposed to receive these lates on my credit report and I did. We are in the middle of a pandemic and this was not supposed to happen to me.
Consumer complaint received 2019-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (IN)

Planet Home Lending ( PHL ) is currently servicing my home loan. They are claiming that I signed for a trial loan modification based on these terms ~ {$1100.00} payments due XX/XX/2019, XXXX XXXX & XX/XX/2019. They are claiming the modification documents were sent out on XXXX and you returned them on XXXX. PHL never modified the loan on a permanent level, which is a violation of CFPB and HUS servicing law. Instead they have pushed the case into foreclosure and have set a foreclosure sale date for XXXX. PHL also claims that they do not have records from the prior servicer, since they took over this loan XXXX, which is a violation of RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ), They also do not show any record of the IN 32-30-10.5 mediation hearing notice or the FHA face to face meeting notice requirement was met. Both of these are violations of Indiana State Law and The False Claims Act ( FCA ) aka Qui Tam. Since PHL is refusing to cooperate on this matter, I am seeking your assistance.
Consumer complaint received 2019-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Washington Collectors Tri Cities Inc (WA)

Court related debt stemming from XXXX. Agency took on collection for county court. All debts paid to courts in XXXX XXXX County and XXXX county WA. Settled with Washington Collectors in XXXX also for all remaining fines. {$3500.00}. Collectors did not report as paid, continued to accrue interest and held my license. Were subsequently paid again to release license. Contacted them about these matters and they told me they were never paid. Still saying I owed them over {$7300.00}. Contacted courts which said was reported partially paid. Was not given resolution and hung up on.
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

I had a balance with Amex of {$2900.00}. I submitted a payment in the amount of {$500.00} and they ran it as {$5000.00}, which is over {$2000.00} more than I even owe them. When I contacted them through chat, XXXX XXXX was unwilling to provide me the information to ensure that they fix the system error that causes them to take money that is not owed to them. I have never before been allowed by any other credit card company to pay an amount that is MORE than what I owed. They kept my money for 48 hours and were unwilling to even give me back the {$10.00} I spent to transfer money immediately from my XXXX so that I would not be overdrafted from my checking account. This conversation took place between XXXX XXXX EDT on Monday, XX/XX/19.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (OH)

My balance at the beginning of my statement date of XX/XX/XXXX was {$6300.00}. I made ~ {$700.00} in additional purchases and paid {$6900.00} of my {$7000.00} balance. I had a balance at the end of the statement period ( XX/XX/XXXX ) of {$660.00} and was charged {$62.00} in interest. I called Discover to discuss and was told that my interest charges are calculated at the end of the billing cycle and that they are based upon purchases made during the open billing cycle. I was charged interest on purchases that I had already paid off in the same billing cycle. I should have only been charged interest on my closing statement balance of {$660.00}. The woman I spoke to said that i was charged interest based upon an account balance of ~ {$3400.00} which makes even less sense because my balance was either double that or 80 % less than that amount. They are charging me interest on purchases that were paid off in the same billing cycle which is predatory. When I look into previous statements, I am only charged interest on the balance of the credit account when the statement closes. For example, in XX/XX/XXXX-XX/XX/XXXX statement, I had a balance of {$6300.00} on XX/XX/XXXX and was charged {$120.00} in interest. This equates to my annual rate of ~21 % APR. If I do the same assessment of my XX/XX/XXXX - XX/XX/XXXX bill, I was charged {$62.00} on a closing balance of {$660.00} which equates to a ~113 % APR. This is unacceptable. The account representative told me simply that I was incorrect and that interest acrues on balances daily even if those balances are paid off. This is not clearly described anywhere on their website nor does it appear to match with what has happened on my account at any point in the past. I have always been told by Discover that I am only charged interest on the closing account balance at the end of the statement period.
Consumer complaint received 2019-09-30
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. (AL)

I contacted the 2 Credit Bureaus regaring inquirs that I did not recognize. I told the that these inquiries need to be removed from my credit file. I sent each an letter requesting these inquiries be removed from my file : XXXX  : 1. XXXX XX/XX/XXXX 2.  XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX XXXX 1.XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX. XXXX, XXXX 5. XXXX XXXX XXXX XXXX, XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8.  XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX   XX/XX/XXXX TransUnion 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2019-09-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Experian emailed attached XX/XX/2019 Experian XXXX - XXXX, your score decrease alert.pdf and XX/XX/2019 Experian XXXX - XXXX your score decrease alert and 6 reasons for credit score drop.pdf. 

For more than 2 years Experian has obstructed error correction. 

XX/XX/2019 Experian XXXX - XXXX, your score decrease alert.pdf conflicts with the 65 score increase in attached XXXX  XX/XX/2019 credit score from XXXX XXXX. 

In the attached XX/XX/2019 Experian XXXX - XXXX your score decrease alert and 6 reasons for credit score drop.pdf. Experian stated the 6 reasons for credit score drops : 1. You Have Late or Missed Payments 2. You Recently Applied for a Mortgage, Loan or New Credit Card 3. You Made a Large Purchase on a Credit Card 4. One of Your Credit Limits Was Lowered 5. You Closed a Credit Card 6. There Is Inaccurate Information on Your Credit Report Respectfully there has been no Late or Missed Payments. I have not recently Applied for a Mortgage, Loan or New Credit Card. There has been no non-fraudulent Large Purchase on a Credit Card. XXXX raised not lowered my Credit Limits. There were no closed Credit Cards. Yes there is a ton of Inaccurate Information on my Credit Report that you have obstructed  correcting for more than 2 years.
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC (CO)

On XX/XX/year> I made my first mortgage payment and did accept that late fee as it was the first month for a total of {$3300.00}. 
On XX/XX/year> that payment was returned to me with an additional {$20.00} " bad chk '' charge although is was paid through ACH. 
On XX/XX/year> I paid it again for a total of {$3100.00} as the money was returned to my account. This is still for the XXXX month payment. 
On XX/XX/year> I paid for the XXXX Mortgage statement in the amount of {$3300.00} which included a late charge of {$130.00} and included a {$20.00} " bad chk '' fee yet again paying ACH, although in my lender contract it states I have until the XXXX of every month to make my payments without late charges. 
On XX/XX/year> the XXXX mortgage payment was sent back to me yet again in the amount of {$3300.00} where they then immediately charged me another late fee of {$130.00} and two more separate {$20.00} " bad chk '' fees. Again paying through ACH. 
On XX/XX/year> I made the XXXX mortgage payment again in the amount of {$3100.00} as that was the showing due amount. 
On XX/XX/year> I made the XXXX mortgage statement in the amount of {$3100.00} as showing due on my account. 
On XX/XX/year> the XXXX mortgage payment was sent back to me in the amount of {$3100.00} with an added on {$20.00} " bad chk '' fee and a {$130.00} late fee immediately. 
When I called and asked about the events that were happening because they have tanked my credit nearly XXXX points and are showing my home loan as delinquent, their response was that there were " insufficient funds '' yet they had the funds for 2 weeks plus before returning the money into my back account. I am now being told that I can not make my XXXX mortgage payment online or going further, that I must pay with cashiers checks. They are destroying my credit and are creating negative remarks that are effecting my credit card limits and my husbands credit and card limits as well. I am being told there is nothing the can do for me.
Consumer complaint received 2023-06-12
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. (IL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : Account number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.