davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NC)

I used my Wells Fargo credit card to load money into my XXXX account. I did not realize this transaction would be a cash advance, and would be charged interest as such. Wells Fargo did waive the initial cash advance fee and interest fee, which I appreciated because I made a mistake, however, I asked if all I needed to do was to pay my next statement balance in full to avoid paying any future interest, they said yes. I received another interest fee, due to the standing cash advance, which they waived again, and then I immediately paid of my whole statement in full to clear both cash advance and general credit card balance. Here is the issue, there is no separate line item in my Wells Fargo mobile app for current cash advance balance. The cash advance itself looks the same as any other credit card transaction, however the interest treatment is different than a credit card transaction, since interest occurs from the date of advance instead after carrying a balance ( like a normal credit card transaction ). Luckily, I pay attention to these things and I was able to rectify my mistake which Wells Fargo did assist me with, no issues there. However, not explicitly calling out cash advance current balance nor giving an option to explicitly pay off that balance as its own separate credit type, is predatory. I am sure many consumers are paying at least 2 months of interest if not more for a cash advance balance they do not know they have, and if different transaction types carry different interest treatments, they should be separated out. Thank you.
Consumer complaint received 2017-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (AL)

I had a XXXX in XXXX of XXXX and have XXXX XXXX XXXX XXXX XXXX through the state of XXXX which is XXXX of the best insurances in the state. I paid my copay of {$150.00} BEFORE the procedure and everything else was covered. I never saw a bill and found this on my credit a few years ago. I have tried to dispute this many times and I always get a " it is your debt '' back. No one is questioning that. I am saying I do NOT owe it bc I already PAID it. I have disputed it with both XXXX and XXXX.
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (TX)

On XX/XX/2022 I received a letter in the mail from TRS recovery services saying they are collecting debt credited by XXXX XXXX XXXX Principal amount XXXX Returned Item Fee XXXX Total Amount Due XXXX This Tells me the transaction date was XX/XX/XXXX. 
I have never received any notice of failed payment to XXXX let alone by check. I do not even own a check book. Says returned reason is " Check returned, account closed. 

I had immediately contacted XXXX customer service, who confirm i have no debt to them. Nothing in my account has been unpaid for. 
XXXX i believe is a legit company, however I have seen so so many complaints of the same thing happening to others that have no record of debt with XXXX. 
Please Fix this.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

The bank has charged me overdraft fees on my account when I never opted into overdraft protection on my account. They have been doing this for years on my account for at least the last XXXX years. As you know as of XXXX Banks are not allowed to charge me the XXXX dollar overdraft fee on debit card transactions if I never opt-ed into the overdraft protection with said bank. They even admitted on a call with me that there was no overdraft protection enabled on my account. They are illegally charging me these fees and I need them to stop since overdraft protection is not enabled on my account. 

XXXX https : //www.fdic.gov/consumers/overdraft/
Consumer complaint received 2017-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

On XXXX XXXX, I received my annual credit report. In detailed a listed an account from Amsher Collection SE. It states they are trying to collect a debt from XXXX XXXX. I have called and written letters asking that this debt either be validated and/or verified. Amsher Collection has not responded via written or verbal. Since they have not responded within the 180 days allotted, I am asking that they remove this information from all reporting credit bureau ( s ). They have no information listed except that this information was brought by a third party in XXXX.
Consumer complaint received 2022-08-29
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. (CA)

SOMEONE REQUESTED CREDIT UNDER MY NAME AND INFORMATION. THEY OPENED SEVERAL ACCOUNTS AND IVE BEEN TRYING TO FIX THIS ISSUE FOR A WHILE. I REACHED OUT TO EXPERIAN, XXXX AND XXXX TO DISPUTE THE INQUIRES, ACCOUNTS AND THE INCORRECT INFORMATION ON MY CREDIT REPORT. ALL I HAVE RECIEVED FROM THE CREDIT BUREAUS IS STALL LETTERS. 

I HAVE FILED A POLICE REPORT AND FTC REPORT BUT THE CREDIT BUREAUS HAVE FAILED ME.INEED THIS TO BE FIXED, THE XXXX ACCOUNTS LISTED ON MY FTC REPORT FROM XXXX XXXX XXXX AND THE OLDER ACCOUNT FROM XXXX XXXX THAT SOMEONE OPENED ACOUNT EDING IN XXXX. ALSO THERE ARE SEVERAL INQUIRES THAT ARE NOT MINE AS I STATED IN MY FTC REPORT.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For the whole month of XX/XX/XXXX, My EDD debit card account from Bank of America was having fraudulent transactions every day of the month. I never got any notification and I didn't even got my debit card and I just learned about this transaction recently this month of XX/XX/XXXX, I filed disputes and Bank of America didn't even do any investigation about the fraudulent transactions. The transactions shows that it occur at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX in the state of Iowa which I can assure that I never ever been nor bought any place ticket going to that place. The transactions are obviously fraudulent yet Bank of America never conducted any proper investigation and even denied my claim automatically after I filed it via phone call.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (DE)

On XX/XX/XXXX I made a complaint about Comenity Bank via the CFPB ( XXXX ). I explained that I incurred some late reports on my Credit report due to XXXX and I submitted in documentation to prove my allegations asking the CFPB to help me. The CFPB submitted my compliant over to Comenity Bank and on XX/XX/XXXX Comenity Bank decreased my Credit Limit. I feel that Comenity bank deceased my credit limit in retaliation to myself submitting a complaint. I spoke to supervisor XXXX ( Employee ID XXXX ) on XX/XX/XXXX at XXXX XXXX  whom stated that he doesn't see a reason why my credit limit would be deceased except if they were going by my credit history in XXXX. This is the same credit history that I wrote in about asking for my late payments to be removed from my credit report. Also Comenity Bank had already deceased my Credit limit for these late payments deceasing it from a Credit Limit of {$250.00} to a Credit Limit of {$150.00}. I have been making all of my payments on time currently my balance is at a XXXX XXXX. Comenity Bank did not re-run my credit as all of my credit profiles are locked, so they would not have the access to do so. Please investigate this retaliation on my behalf.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX account has been closed for a year but XXXX is allowing them to report the account as " late payment. '' XXXX placed a penalty on my account some time after it was closed and sent that penalty to collections. 

A closed telecom account can not have a late payment, as dictated by FCRA
Consumer complaint received 2017-08-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc. (MO)

I recently pulled a copy of my credit report and noticed this medical collection from kci so I send them a letter XXXX XXXX,2017 with certified number XXXX for account number XXXX. Requesting validation of this alleged debt they claim i owe them. I have requested that they prove that i am indeed the party they are asking to pay this debt the date of the alleged medical service the name of the patient and proof there is some contractual obligation binding on me to pay this debt. They have refused to provide copies of any agreement I have with them that grants authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY Provisions AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NM)

My wife was scammed via XXXX l. Number was spoofed and she was manipulated to send money via XXXX  I believe PNC should of had more security measures and not allow the account to be wiped out. I lost XXXX XXXX dollars in a matter of 24-48 hrs. I called to notify PNC on XX/XX/XXXX first representative did not do my dispute/ claim and told me to call back tomorrow to a different department. I called again on XX/XX/XXXX to be told that I didn't need to be transfered to a different department and they should of been disputed the first time I called. XXXX transaction were still pending and time was not on my side PNC failed to do my dispute when I first called. PNC rep should of done my dispute when I called on XX/XX/XXXX. I called today since I have yet to receive letter on status just to be told it was declined.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (OR)

Several months ago I closed my credit card account with XXXX XXXX. XXXX XXXX acknowledged the closure, even reporting it to the bureaus. I have no further business with XXXX XXXX whatsoever. However for marketing purposes XXXX XXXX has continued, without my consent to access my credit report. To regain my business and enrich themselves XXXX XXXX keeps sending me emails that indicate the change in my FICO score. As of today, I have received two emails that indicate the unauthorized access of my credit report by XXXX XXXX. First email notice was sent to me on XX/XX/2022 indicating a change in my Experian credit score. The second email was sent today XX/XX/2022. The latter email indicates that my score has dropped by XXXX points and that I should sign up for their credit-wise service. I consider these two emails as proof that my credit report was accessed without my written consent after the termination of all contracts with XXXX XXXX. Contracts do not and can not exist in perpetuity.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TX)

Accountname Accountaddress XX/XX/2022 To whom it may concern, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 .As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable . XXXX illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, Equifax and XXXX. I did not grant XXXX  XXXX XXXX XXXX  permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, Iam invoking specified remedy and make the following demands : -Cease and desist reporting of the account name filings to all consumer reporting agencies.

-Remove reporting of the account name filings from all consumer reporting agencies.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 

Regards, XXXX XXXX
Consumer complaint received 2023-08-15
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: Tower Loan of Mississippi, Inc. (TX)

Tower Loan accessed my credit file on XX/XX/2021. I do not recognize this credit file inquiry and did not authorize this access to my credit file. My credit file has an active fraud alert and is currently frozen. I have also unsubscribed and blocked access to my credit report for any pre-approved promotional offers.
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Admin Recovery, LLC (OK)

I spoke with a XXXX XXXX from Admin recovery on XX/XX/2022. In that phone call I requested all phone contact cease and further correspondence be handled via mail. I have received phone calls since that time, including from a different number than the original caller but from the same organization.
Consumer complaint received 2021-07-19
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF THE WEST (FL)

On XX/XX/XXXX my husband and I refinanced a motorhome with XXXX XXXX  XXXXfor the amount of {$97000.00}. Soon after, XXXX  sold our loan to Bank of the West. My husband and I divorced in XXXX XXXX, and in our formal marital settlement agreement he kept the motorhome and Bank of the West took an active role in changing the registration and title into his name only. However, my online access to the account remained active, and I saw that for 7 1/2 years there was never a missed or late payment. 
Suddenly in XX/XX/XXXX, I received an alert on XXXX XXXX of derogatory information on my credit report. I investigated enough to find out that Bank of the West indicated a default and repossession. I was shocked, as the payments were still completely up to date. I can not be in communication with my ex-husband for my own safety, so I attempted to get information from Bank of the West, who at first would not give me any information. After numerous attempts, I finally reached someone who advised me that the motorhome was repossessed and had already gone to auction! I asked why I was never advised before this happened, and they claimed they didn't have my information. This is clearly a lie, as every document they produced had my correct address, and they also verified a correct phone. They then told me they would send me an explanation of deficiency when it was prepared. I advised that I would have taken over the payments to keep the motorhome, had I been contacted, but it was now too late. 
I never heard any more from Bank of the West, but on XX/XX/XXXX, I received a demand letter for {$33000.00} from XXXX XXXX, a collection agency. When I wrote back to XXXX XXXX requesting evidence of this debt, I was sent documentation indicating that Bank of the West basically " gave away '' this {$60000.00} motorhome at auction for {$26000.00}, and now will sue me for the {$33000.00} balance owed. In that same documentation, Bank of the West indicated my correct address on every page, yet they mailed both the Notice of Plan to Sell Property and the Explanation of Deficiency and Demand for Payment to some XXXX XXXX XXXX XXXX, Florida. I never received any information on this, yet the collection agency seemed to find my correct address with no problem. 
I am a XXXX senior on social security now being victimized by this bank, who sold this property they claim is my responsibility without allowing me the opportunity to claim it, and now is demanding XXXX XXXX XXXX of dollars for something I can not own.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accountname Accountaddress XX/XX/2022 To whom it may concern, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 .As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable XXXX XXXX, illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX and Transunion. I did not grant XXXX XXXX XXXX XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, Iam invoking specified remedy and make the following demands : -Cease and desist reporting of the account name filings to all consumer reporting agencies.

-Remove reporting of the account name filings from all consumer reporting agencies.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 

Regards, XXXX XXXX
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Ive disputed info that BoFA is reporting to the credit bureau. In 2018 I settled an account for payment in full and agreed to make monthly payments. BoFA has recently began reporting that Im making late payments. NONE of the payments have ever been late! Every single payment has been on time. They have caused my credit to be lowered and Ive experienced an adverse credit decision because of their negligence. If this is not resolved my next recourse is the XXXX XXXX XXXX or small claims court.
Consumer complaint received 2022-04-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NJ)

On XX/XX/XXXX we received notification through XXXX informed delivery that Ally Financial had mailed a document to our former residence.The subject vehicle was never registered to that address therefore no communications regarding that vehicles loan should have been sent there. As my wife works in title for a mortgage company she quickly identified this as disclosure of XXXX. I contacted Ally the same day to discuss this and see what there plan was to remedy the situation. They stated they had updated the address and no further communications would be sent to that address. 

This morning XX/XX/XXXX we were again informed by XXXX informed delivery that an additional 2 documents were sent to that same address. After speaking with a supervisor at Ally for a second time we confirmed that both of those documents also contained XXXX. 

As the address these documents were sent to was a rental property we can not confirm whom may have received this information and what they may have done with it.
Consumer complaint received 2022-08-30
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: American First Finance, Inc. (FL)

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 2 : it also state at 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 an open end consumer credit plan as late purpose.
Consumer complaint received 2022-08-30
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.