davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

Wells fargo wrongfully closed my checking account. It was just after I opened it around XX/XX/2015. Wells fargo admitted in writing that it was due that I harassed XXXX XXXX constantly. XXXX XXXX is the one who harassed me and slandered me at wells fargo. But because she worked at a bank she could harass me. I never harassed XXXX XXXX. There was nothing with my first checking account either. But I was being set up by XXXX XXXX and the bank when my online account was disabled on XX/XX/2015. It took a week to open my new account. I never saw XXXX XXXX in the bank the entire week I went in the bank all up until the last day I had my checking account finishing opening. She purposely put herself at the bank. At the time I didn't know this was a setup. This was a crime committed against me. After I sat down with my banker out of the blue the XXXX XXXX police showed up out of the blue. XXXX XXXX was nowhere to be seen after I had sat down. The police saw i wasn't harassing her because she was nowhere to be seen. I don't care about wells fargo having the right to close your account. They weren't exercising their right to close it which they keep ignoring until XXXX XXXX falsely accused me to them I was harassing her. If I harassed her so much why was she at the bank to set me up. It was all a set up for her to be there with the other wells fargo employees that was working at the bank to get rid of me as a customer. She was my neighbor who harassed me and falsely accusing me of harasing her then she brought the problem into the bank. I have every right to be angry about the way I was treated, because I know I didn't harass her. The people who are replying to me are the bad employees like XXXX XXXX and they need to go. They are friends with her to be against me and this isn't right to treat a customer. That is why they keep denying me compensation. But I see the wells fargo in XXXX XXXX that XXXX XXXX demanded that I stay away from its closed. So that is karma for the employees who did this evil thing along with XXXX XXXX. So this was some form of justice without me receiving compensation for the pain and suffering.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I deposited an Insurance check into my XXXX XXXX account and it cleared with XXXX, but when the check was sent to Wellsfargo it was denied and the funds were taken out of my account. Wells Fargo denied the checks because of an endorsement issue. I had initially attempted to deposit the checks on XXXX mobile deposit but I was over my deposit limit for the month. The app instructed me to place mobile deposit only on the back of the check so of course, I did. When the checks couldn't be deposited by mobile deposit I went to the ATM and the checks were accepted. Three days later the funds were taken out of my account and XXXX charged me a {$25.00} return fee. The amount of the money returned was {$6800.00}. I now have to ask the insurance company to reissue the checks and to this day they have not. This incident occurred on XX/XX/2021.
Consumer complaint received 2021-05-15
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. (PA)

Credit reporting agency ( CRA ) is reporting accounts that is not mine. Accounts were in litigation, I went to court and won both cases judgement in my favor. CRA still reporting accounts on my credit report after proof was submitted and court documents. 

Please see attached documents
Consumer complaint received 2017-06-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AZ)

In XX/XX/XXXX I was approved for a consolidation by XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The money was sent to all creditors. On XX/XX/XXXX XXXX returned approximately XXXX back to XXXX  XXXX XXXX without an explanation. In XX/XX/XXXX I was contacted by TSI Transworld Systems 3rd Party collection agency stating the debt was outstanding. I explained all debts were consolidated and this debt is paid in full. InXX/XX/XXXX my wages were garnished. I called TSI and was denied the dispute and told it would not stop the discharge. I escalated and was transferred to XXXX XXXX. Who took the dispute. XXXX agreed to send my original promissory note. On XXXX the notice was mailed to me and TSI resolved my dispute and put me back into collection. I called XXXX XXXX directly and he put my case back in dispute but not before I suffered another garnishment. On XX/XX/XXXX I mailed all proof to XXXX XXXX to help me dispute. They agreed to call this a missed loan issue and not require me to file for another consolidation and stated the claim can take up to 30 days. On XX/XX/XXXX I contacted XXXX XXXX for a status. I was informed by XXXX that on XX/XX/XXXX XXXX XXXX sent notification to XXXX to resolve the issue and XXXX has not responded. I contacted XXXX XXXX with TSI to explain the situation and ask for his assistance in reaching XXXX to resolve because when I call the automated system referred me to TSI and disconnects. XXXX assured me He would help and suggested I call back Friday XXXX. Instead of assistance from TSI, they resolved my dispute and on XX/XX/XXXXgarnished my wages again. Since this ordeal has started my wages have been garnished approximately {$1000.00} which is 1/2 the debt owed. The unexpected garnishment has placed me in a financial hardship and forced me to borrow money and juggle my mortgage and other financial responsibilities. I would like to file a claim and obtain information to sue TSI for unfair treatment and unethical collection practices. TSI 's only focus is to recover their % by collecting on a debt that is truly not valid. I understand their position as a collection agency, but their practices are bordering unethical and harassment and definitely not helpful. I have been in constant contact with all 3 companies trying to resolve this issue. 6 months later it is still unresolved and I am being burdened, harrassed, and my wages garnished for my diligence. Please help. I am looking for ways to stop the garnishment, resolve the outstanding issue and recover on garnished wages and hardship. Please help. I can be reached at XXXX and my name is XXXX XXXX.
Consumer complaint received 2019-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (RI)

I have repeatedly asked that my extra payments on my student loans be applied directly to principal, and that my due date not be advanced, and my student loan servicer MyFedLoan refuses to process my payments in the way I specify. I called today to express my dissatisfaction and spoke to XXXX. My student loan payment is {$240.00} and due on the XXXX of each month. Currently, my servicer claims that I do not have a payment due until XX/XX/XXXX of 2019. However, I pay {$450.00} monthly, with my regular monthly payment plus {$10.00} and I make two bi-weekly payments of {$100.00}. This is done strategically to hit the principal balance, lessen the interest accrual and pay the loans faster. My servicer refuses to put my extra payments directly on my principal balance, and despite my requests, maintains that it is within their right to apply it to interest first. 

I don't believe this is correct. Every other lender I deal with provides the option to make just a principal payment. Also, I believe that the consumer is allowed to request how their payments are applied. The way that they are applying my payments forces me to pay more interest despite my efforts to pay less interest and pay them off prior to maturity, which my loan agreement allows me to do without penalty. 

I would like this investigated as I believe they are in violation as to the consumer 's right to request how their payments are applied.
Consumer complaint received 2021-05-13
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. (MI)

I took a copy of my credit report on XX/XX/XXXX from transunion. I have seen 2 inquiries on my account from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Mo XXXX, XXXX ) requested on XX/XX/XXXX and from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX requested on XX/XX/XXXX I did requested nothing from both of them, also i didnt give my premisson to someone else, to use my information or to try to do something else under my name.
Consumer complaint received 2019-01-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In XXXX I filed for bankruptcy, XXXX XXXX was included in the bankruptcy. Bankruptcy was dismissed in XXXX. In XXXX Portfolio recovery bought the debt. They have been reporting incorrect information on my credit file. They are stating that on one of my files the account is listed as open, on another account the are reporting it as 120 days past due. I have disputed this information since XX/XX/XXXX. Called and talked to Portfolio Recovery yesterday ( XX/XX/XXXX ) they still will not fix this issue. Isn't is true that Collection agency 's cant report a files payment history?
Consumer complaint received 2021-05-15
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: TD BANK US HOLDING COMPANY (NJ)

In 2019 my ex boyfriend took my debit card card and ever since then I could no longer use my debit card. He tried to withdraw somehow someway XXXX and that was not even on the card. Ive had to use prepaid debit cards and I hate that.
Consumer complaint received 2021-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (HI)

A fraudulent account with XXXX XXXX  was opened in my name. I never initiated or have ever had an account with XXXX XXXX. Subsequently, the unpaid account was sent to Enhanced Recovery Company , LLC who has been attempting to collect on the unpaid account. 

XXXX XXXX will not be able to furnish proof that I ever initiated the opening of any account with their company, including any signed documents in my name permitting them to begin service. I have never inquired about starting service either in writing or by using their website. 

Again, any account in my name through XXXX XXXX was opened fraudulently. 


The collection amount is {$300.00}.
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

Select Portfolio Servicing began servicing my mortgage in XXXX 2013.After it was transferred from XXXX.I have been applying for a modification with SPS since that time.to no avail.I am always told that the information that I have provided is incomplete.As a result I was notified that I have no home retention options available. So I agreed to a Deed in Lieu. I was never contacted by anyone or received any documents to sign to began the Deed in Lieu process. I tried several times to contact my relationship manager { XXXX XXXX } .But only spoke to someone in her department.During this time Received a pay increase and submitted another modification package through XXXX . I received a call on the very day that the modification was submitted from XXXX XXXX .She said that the complete modification package had been received, but it would not be reviewed because a sales date had been set.When I inquired about not receiving any documents in regards to the Deed in Lieu she became very rude and said that she could not hear me and that she would have to end the call.Now I realize that SPS never intended on giving me the opportunity to prove that I am capable of making my mortgage payments. Their only goal was to take my home the way they have taken so many other hard working Americans homes.
Consumer complaint received 2022-01-26
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I leased a XXXX XXXX from Toyota Financial Services in XX/XX/XXXX. All lease payments were made on time - and even in advance. I had paid everything through XX/XX/XXXX when I returned the car to a Toyota dealership on XX/XX/XXXX but it appears that it took Toyota a couple of months to process the paperwork. I have called them numerous times, and even attempted to send them the receipt from the dealership showing that I was no longer in possession of the car since XX/XX/XXXX - all to no avail. They don't accept emails and apparently their fax number is never monitored. 
Toyota Financial Services posted a late payment note on my credit report for the month of XX/XX/XXXX, almost 2 months after I returned the car, and they won't bulge. They won't even return my calls! 
My XXXX credit score, which I monitor through a service, went down from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. It is unacceptable that I should pay a price for their highly disorganized services and their total lack of customer support. I will never lease a car with them again.
Consumer complaint received 2018-12-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

An automated call identified as XXXX XXXX, calls regarding credit card debt from retail establishments that not only do I not have a credit card with, I have never even shopped at these establishments. I hold no retail establishment credit cards at all and have not received any statements from any of these stores, and yet I have had calls regarding at least 6 or 7 retail  establishments ( some I've never even heard of ). One in particular that has been called about several times is XXXX XXXX. The calls come so frequently that more than once we have received 5 calls in one day. On one occasion I tried to speak to someone at the number but was unable to speak to a live representative.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion along with XXXX, XXXX, XXXX, and XXXX all have been notified stating to please remove all other addresses off my report, as they are not deliverbale to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

15 U.S.C section 1681s-2 ( a ) Duty of furnishing of information to provide accurate information.

( 1 ) PROHIBITION ( a ) Reporting information with actual knowledge of errors A person shall not furnish information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and conformation of errors A person has been notified by consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and info is in fact inaccurate
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken ()

Good day, I have a fully fledged, verified corporate account with XXXX where I utilize their crypto currency exchange services. 
I recently had a deposit to my account of roughly {$500000.00} USD on XXXX XXXX, 2021, as I gradually exchanged and withdrew funds from the account, as of XX/XX/XXXX my accounts withdrawals have since been suspended because they are currently reviewing a Litecoin ( LTC ) transaction on my account from XXXX, 2021. I have now at this time {$350000.00} USD locked and unable to withdraw on my account. 
They said I could withdraw the funds in fiat and was told to reply to the support email once I would like to do so but there has been no response. 
I reached out to them multiple times via social media, email and internally opened a support ticket with no avail. 
I have lost a lot of money throughout this process since I can not withdraw these funds and that every day that passes the crypto market changes dramatically.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX/www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, and mine was under reference # XXXX. Please find the ATTACHED documents to assist in the removing of the inaccurate address and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- TRANSUNION : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (MI)

XXXX ordered a background in XXXX XXXX. Checkr reported incorrect information stating I did not have a current valid driver 's license. 
They provided information on a license I no longer have for Florida because I now have a Michigan license since I now live in Michigan & you can't legally have 2. I filed a report with Checkr explaining the issue. They asked me for a copy of my Michigan license & I gave them a copy. Checkr corrects my report & tells me it's clear & to wait on XXXX. Months later XXXX insists they never got the corrected report ( even though I could see the corrected report when I logged into Checkr ). I argue with them for days, so they just order a new report from Checkr because they never got notified that it was corrected. What does Checkr do? They go back to reporting incorrect information and not including the Michigan license information I gave them last time. 
Now months later I am back to having an incorrect report in Checkr & again denied the ability to drive for XXXX. I have attached the initial incorrect report, the emails to Checkr regarding correcting it, The previously corrected report after I complained, The now once again incorrect report & my 2nd email regarding correcting the issue.
Consumer complaint received 2024-01-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (GA)

In XX/XX/XXXX - I spoke to a representative name XXXX and informed him I had lost my job. XXXX advised he would be processing a 2 month deferment to cover XXXX and XXXX and my next payment would be due XX/XX/XXXX. On XX/XX/XXXX - 9 days after my payment was due, my car was repossessed while I was inside the XXXX grocery store. Upon contacting Westlake Financial they informed me that I owed {$1100.00} which included XXXX payment a late fee and a {$630.00} repo fee. I asked the company how and why would they repo a car if the payment is only 9 days late? The representative advised my loan was past due for XXXX, XXXX and XXXX but when I pressed that I had a deferment he stated I did but then stated the deferment was recently processed. I asked why was it not processed when the representative XXXX stated he completed? The representative couldn't provide clear answers and I feel this company is operating with deceptive practices by stating they have processed deferments on consumer loans and they do not. They wait to repo the car then process the deferment to make it as if the consumer was delinquent just to collect high repo fees.
Consumer complaint received 2021-05-15
Product: Debt collection — Medical 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: R & B Corporation of Virginia (VA)

Credit Control corporation is a medical debt collection agency whereby I am XXXX  by medical doctors on my job and while employed in the ER, they then use whatever I say as fraudulent legal cases. 
Some medical facilities involved are ones in which I worked and may also be related to hospital billing. Took negative legal action, stole property, stole real estate and interfered in legal cases. 
May involve XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX with others. Targeting by doctors and their collection attorneys ... XXXX and harassment to illicit medical care then targeting for not paying the bill.
Consumer complaint received 2021-05-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Self Financial Inc. (MA)

I opened the Self Inc loan on Monday, XX/XX/XXXX. My automated payments have always on been the XXXX of every month and I never had a problem paying them. I noticed this morning on Thursday, XX/XX/XXXX that I received a text from my personal bank informing me that {$55.00} was deducted for Self Inc. I was extremely confused, since my loan payments should have come out on Thursday, XX/XX/XXXX in the amount of {$48.00}. 

I opened my Self app on my phone and noticed some very unsettling things going on with my Self Inc loan. On Tuesday, XX/XX/XXXX {$48.00} was deducted as it should be. On Wednesday, XX/XX/XXXX, a " manual payment '' {$55.00} was deducted from my bank account from Self Inc. and I didn't even know until this morning. 

On Wednesday, XX/XX/XXXX another " manual payment '' was attempted but stated that it was cancelled. On Thursday, XX/XX/XXXX " manual payment '' was deducted from my checking account. 

I did NOT authorize this. My payments are never manually, but ALWAYS automated.