davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late purpose.
Consumer complaint received 2019-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Acceptance Corporation (IN)

XX/XX/2019- {$1300.00}. Affiliated Acceptance Co added a new account to my credit report.

XX/XX/2019- $ XXXX- Affiliated acceptance Co added a delinquent charge to my credit report I have spoken to the both companies involved. The company who the original charges were for and the credit collection company. I do not owe this money. They offered me an unfair settlement. I told them I wouldn't accept a settlement when I don't owe the money to begin with. This dropped my credit score over 100 points and is extremely unfair.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo closed my account without notification due XXXX ( customer info, specifically my address which I have had for 12 years for this account and at their bank ). I have a mailing address, they demanded I use my physical house address. I went to the branch and updated the address to my house address as they requested, they then re-opened the account but kept my money. {$17000.00} USD. When I asked them where my money was, they replied and said they sent the money via cashiers check to the original ( mailing ) address and not to my house. My mailing address is a protected locked mailbox inside a mailbox business ( XXXX XXXX ). No cashier 's check ever arrived. 
I went into the branch and was told there was nothing I could do other than to put a stop payment on their check for a {$31.00} fee and then must buy a surety bond for {$340.00} in case someone cashes the check. They said I could just wait 91 days and they could issue a new check. 

I asked why they could not just re-deposit the funds electronically, they just said they could not. I do not believe this. 
The account closure happened XX/XX/XXXX it is now XX/XX/XXXX with no resolution. 

Please keep in mind they could have just called or emailed me to change the address, but they chose to close the account without any notification. 

Wells Fargo branch is XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX Texas. 
The account is a small business account XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (MI)

Statring in XX/XX/XXXX when I notified CITIBank that I did not authroized tranfering {$2000.00} to one of their fake accounts at with time I canceled my card! From then until YOU stop them ; Administrative Proceeding File No. XXXX, CITI BANK charged my CANCLED account over {$20000.00}. The took me to court a years ago! New Case # XXXX XXXX and tryed to push it through court with out notitfing me! the courts fismissed the case. On SundayXX/XX/XXXX I recieved a summens from their local lawyers : XXXX XXXX XXXX and XXXX XXXX XXXX Phone # XXXX! 
I was never paid by CITIBank as per your orders, back in XX/XX/XXXXI was NOT a card holder. 

I paid CITIBank what I own them, BUT not the money that the illegally charged my CANCELED account from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I can neither Access my Online Capital one 360 Checking Account Nor Fund/retrieve my Account Number and Routing Number, No way of making use of the Account, I have written Countless Feed Backs to Capital One back, but all were in Vain, It is as if, They do not Care about Customer 's Satisfaction.
Consumer complaint received 2019-02-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc. (FL)

On XX/XX/XXXX I was involved in a car accident. Someone rear ended my car and I was badly injured. As a result, I was under physical therapy for several months and I needed to get XXXX XXXX. The person who was at fault in the accident had minimal insurance coverage and the amount of my XXXX was {$85.00}, XXXX which exceeded the {$15000.00} coverage that the party at fault had and also the equal amount that was paid by my insurance company. My XXXX attempted to pay a partial amount of the bill however XXXX XXXX XXXX and XXXX which performed the XXXX refused to take this amount. Now they are trying to sue me. On XX/XX/XXXX I received a summons stating that XXXX XXXX XXXX and XXXX  wants to take me to court. I don't feel sufficiently better after the XXXX and I am still in a lot of pain. I want them to stop harassing me.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY (AL)

There is a judgement against me by wells fargo bank. however on XXXX/XXXX/2016 Wells fargo took my entire check of {$2600.00} and left me with nothing in my account. I 'm a XXXX and single parent and have no way of getting extra money to feed my family and pay my bills. I 'm wiling to make payment arrangement with wells fargo.
Consumer complaint received 2017-07-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo advertised a {$250.00} promotion for new checking accounts. I opened an account during the specified timeframe, made the requisite opening deposit and established a direct deposit to meet the qualifications for the {$250.00} promotion. Through a series of emails, Wells Fargo, first confirmed that I qualified for the promotion and would receive the funds in 45 days. Then after the 45 days past and no evidence of the reward, I contacted the Bank inquiring about the issue. A different customer service representative indicated that, now, I did not qualify for the promotion. Recent communication with the Bank, reversed course again and indicated I did qualify but would need to send my tax id number ( although they acknowledge they have my social security number which is my tax id number ). Then, the representative said once the Internal Revenue Service confirmed my tax id number, they would revisit my eligibility for the reward. I have never been subjected to confirming information with the IRS to receive a reward with other banks like XXXX who offered similar promotions. <P/>I have also never communicated with a company with such inconsistencies and resistance to awarding a customer for something they clearly qualify for.
Consumer complaint received 2024-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Recovery Corporation (CA)

I don't recall having a contractual relationship with this collection company UNIVERSAL RECOVERY CORPO. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2019-09-18
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: EQUIFAX, INC. (MN)

I have over 30 hard inquiries on my credit report that I did not apply for. Some one applied for credit without my knowledge. I am outrage and upset because this have dropped my credit tremendously!!!
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian credit reporting bureau has not removed incorrect negative account information ( late payment ), despite the fact that I have provided Experian with correct account information ( no late payments ), that was provide to me by the creditor : XXXX XXXX XXXX. 

Credit Account Reported : XXXX XXXX XXXX, Credit Account Contact : XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2022-09-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

I have a No-Penalty CD at CIT Bank for {$30000.00}. I have sent them 3 messages asking that they close that account and forward the funds to another bank. As of today they have not answered those messages or taken any action to close the account.. A previous complaint ( XXXX ) deals with the possible theft of {$30000.00} so this may be connected. Please look into this ASAP before the {$30000.00} disappears entirely..
Consumer complaint received 2022-08-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC (TX)

First a gentleman called saying he was a lawyer on behalf of the company and that i was in default with loan i said i already reached out to them and let them know im going through a rough patch was in the hospital lost my job just started working back, he said he wanted me to pay him on XX/XX/XXXX. I called speedy cash they said to report because this email is not coming from them. The number he calls from is XXXX or XXXX XXXX he says his name is XXXX XXXX XXXX Please see email below : Arrest Warrant XXXX XXXX XXXX SPEEDY CASH XXXX Fri, XX/XX/XXXX, XXXX AM ( 3 days ago ) to me We are talking about the creditor XXXX XXXX XXXX XXXX XXXX XXXX, is a parent company which owns and operates more than XXXX parental payday loan websites like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX PAYDAY LOANS, SPEEDY CASH, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX you applied from one of our website and you never bothered to pay this debt, so the creditor wants to know your intentions about this matter of yours that what would you like to do. They do have a signed copy of the contract which is signed under your e-mail address XXXX, also would like to mention your computer 's IP address was also traced when you were signing the contract with the company. The money was successfully deposited into your bank account. 

We have a settlement amount for you, if you will make the payment of {$450.00} by today, XX/XX/22 then we can close your file at this amount only. Once the full and final payment is received a receipt will be sent to you stating that your outstanding debt is paid in full. 

Kindly let us know are you willing to resolve this matter out of the court house or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. 

Do reply ASAP. 

Yours sincerely, XXXX XXXX.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (ID)

This is for complaint # XXXX in regards to what cashapp still has NOT done, which is reply, since I put the last complaint in they have sent me one message saying that they put a provisional credit in my account for all the dispute amounts listed my account is still negative and they are also not replying back and have not replied back since then which has been over a week I also now have all of the amounts in the complete amount that I am owed from them this involves any of the money that went towards the negative balance that didn't get taken out for whatever reason this includes the disputes that I was denied this also includes the amounts that got charged on to my already negative balance that should not have been tagged on because I was already in the negative balance so there was absolutely no reason at all that my card should have been still being charged not by me for an even greater negative amount. Also not authorized by me either. Which I can show if need be to how many transactions didn't go through because they asked me first if it was me or not, they didn't do that with any of these ones.
Consumer complaint received 2019-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (WI)

First off I am not very good on computers nor dealing with online situations. My sister is helping me file this complaint with you. 
XX/XX/XXXX - I applied for a loan through Rise Credit for {$2000.00}. My son actually found the website for Rise and completed 95 % of the Rise Application for me but I was sitting with him while completed the online application. 
Once submitted, Rise came back and said would let me know if I was approved for the loan. 
I then forgot all about it and several days later when reviewing my checking account I found that they had already placed {$2000.00} into my account.I was not sent nor given the details of the loan ie ... the interest rate of 238.36 % for the loan until after the money was placed into my account. I would have rejected/not accepted the loan if I had realized it was a 238.36 % interest rate. They set up ACH installment payments of {$410.00} a month which I can not afford. I did not give the loan much thought until after XXXX and I had used all of the money for XXXX and bills. On XX/XX/XXXX the first payment was pulled from my checking account {$410.00}. I thought the payment would be {$220.00} for the month at most. I did not realize it was {$220.00} biweekly if I chose a biweekly payment. When they took {$410.00} out of my checking, I called them to discuss the loan and terms of loan repayment. They said the best they could do is split the payment in half and have me pay twice a month. 
I am on Social Security XXXX ( Fixed income ) with limited resources. I would NEVER have agreed to a 238.36 % interest rate nor payments of {$410.00} a month. I can't afford this. I can't believe that this is legal-this is more like loan sharking and preying on people who are not able to defend themselves. I am more than willing to pay the {$2000.00} back at a reasonable interest rate and reasonable monthly payments of {$200.00} a month ( ie ... a credit card rate for people with limited resources perhaps 25-28 %? ) not 238.36 % how can this even be legal? 
I need your help.
Consumer complaint received 2019-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

Lakeview Loan Servicing , LLC ( a.k.a XXXX ) is intentionally holding " extra '' monthly mortgage principal payment and deceptively crediting this " extra '' monthly mortgage principal payment one month later even though Lakeview Loan Servicing ( a.k.a XXXX ) receives this customer payment as one-full payment for a specific month. Lakeview Loan Servicing , LLC ( a.k.a XXXX ) is profiting from this activity because it is intentionally charging additional interest to all of its customers. Lakeview Loan Servicing , LLC ( a.k.a. XXXX ) is violating federal mortgage servicing rules ( i.e. the Mortgage Servicing Rules under the Truth in Lending Act - 12 CFR Part 1026 - Regulation Z ).
Consumer complaint received 2019-02-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Our mortgage is with Wells Fargo .For 14 years since they took over XXXX , weve been paying an interest rate of 6.75 % ... Since then my wife lost her well paying job, went back to school, started her own business earning a lot less.Im retired lost a lot in XX/XX/2008 ... .I asked WF to refinance at a lower rate, no extra cash out, he laughed because my credit score is below their standards.Next I applied to them for financial relief, filled all the necessary paperwork and got denied, because they couldnt lower the payments low enough..really
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (GA)

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (FL)

My access to M & T Accounts was " locked out '' via XXXX, Mobile Banking and On-line banking. I contacted the bank multiple times, wasted over 2 hours last evening with multiple resets and being locked out each time again. Last time I was told it was fixed and to wait 20min and try again and it would work. It locked me out again and of course they closed 20 minutes after I was told this ( they just told me nicely where to go ). They are shutting down their entire system for the weekend to " upgrade '' If this is not fixed today, I will be without banking for 6 days. How do I pay my bills, who pays my late fees? I have spoken with many reprsentatives, they don't know how to fix it. I have tried to contact their corporate offices, but they have effectively removed every means to contact this office. It is easier to contact the white house. This is no way for a bank to operate and some one has to reign them in and take care of their obvious issues. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-07
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Bank account # 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 account can not furnish a account without my written instruction
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Revco Management, LLC (FL)

I have sent mail to the credit reporting companies about inaccurate information being reported on my credit report. The company has failed to prove that the bill they continue to report as delinquent is in fact mine and what it was for. All of my bills are paid from XXXX XXXX XXXX XXXX and i have sent 3 letters to " REVCO '' to provide a breakdown of fees including any collection costs and medical charges, Provide a copy of my signature with the provider of service to release my medical information to them and to Cease any credit bureau reporting until the debt has been validated by me. I requested full documentation of what they received from the provider of the service in connection with this alleged debt as I'm 100 % sure it is inaccurate. They have failed to provide any of it and I'm requesting you step in to help resolve the issue. I have attached the letter that was sent to them 3 separate times.
Consumer complaint received 2017-07-02
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. (SC)

Between the months of XXXX, XXXX, and XXXX of 2017 an unverified account with XXXX XXXX for {$2600.00} was investigated and deleted from credit reports. The account has been reinserted on my credit report under XXXX XXXX XXXX for {$2600.00}. Once XXXX XXXX ( whom I have never had contact with or have a contract with ) received notice of my disputing this account with them, they sent me a letter concerning this previously deleted unverified account. Furthermore, I was not given the opportunity to contest this information before it being re-reported because I did not receive my five business day notice that this information was being re-reported on my credit report.