davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I contacted Wells Fargo about a claim that I filed against a merchant ( XXXX XXXX XXXX mall ) that is clearly scamming customers on multiple reviews that are published against them that show when a customer makes a purchase and tries to return the product even the same or next day that they wont honor the return policy on the receipt that clearly states that you have 30 days. I filed the claim XXXX after the purchase and never even used it as I purchased it as a late XXXX gift. They sold me a display model clearly and of course I get trapped with the item since being a display model shows small scratches and a clear indentation of where a mannequin wore the bag which I didnt see until I got home. I also unfortunately did not see these reviews until after I made the purchase. I contacted my bank and they didnt help me at all and told me I can take that company to small claims court haha unreal! Worst banking customer service I have ever received and experienced. They closed my claim without even giving me the chance to submit supporting documentation or evidence. HORRIBLE
Consumer complaint received 2023-09-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hillcrest Davidson & Associates (CA)

XXXX XXXX XXXX  I sent a Notice of Dispute letter to Hillcrest Davidson & Associates LLC to date the company has not responded to my request and according to FDCPA 807 ( A ) this company is clearly in violation to the law. It is their duty by law to report my dispute of this alleged debt they are attempting to collect from me to the Credit Bureaus on my behalf indicating this alleged debt is in dispute, I have proof they have not performed under the law.
Consumer complaint received 2022-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent in a dispute on XX/XX/XXXX and XX/XX/XXXX and I received a correspondence back from Transunion that my information was not acceptable. Well, I sent in a copy of my drivers license, social security card and my cable bill which is proof of residence. This is a stall tactic to buy more time and this is past the 45 days which was from my first dispute.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On or about XXXX XXXX, 2017, I tried, on line, to open a joint savings account with XXXX XXXX, a bank I have done business with for 21 years. XXXX rejected the new account based on " information contained in a credit report ''. They referenced Transunion, XXXX and XXXX. 
There are no problems shown in the Transunion or XXXX reports for my wife or I. 
I did not get a " notice of rejection '' from XXXX. 
My wife did get a " notice of rejection '' from XXXX. Because of this we got a report from XXXX, in my wifes name, they indicate no problems. 
Some where out there is a blemish on either my wife or myself and since no one will tell us what the problem is, we can not fix it. 
I have talk to two people at XXXX on seperate occasions, they both stated the rejection was because of information contained in a credit report.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (GA)

I called Wells Fargo because I received a letter to my home address that said I would owe a service fee for a saving account if I did not set up direct deposit. I asked when this account was opened, they would not provide me any information and transferred my call around for XXXX hours. I called back and was transferred to fraud department where the worker refused to help me because I would not provide my minor children 's names who were in the car with me and she heard speaking. She then hung up on. I called back again to get any information and was on hold again for XXXX hours. Then I went to an actual bank, where they told me I had to provide my social security card and they would take a copy. I had to laugh at this point because a company that has law suits against them for fraud was doing everything they could to make it harder for me find out any information to stop it and actually made it harder for me to stop this.
Consumer complaint received 2023-09-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023, I deposited {$4000.00} cash ( XXXX dollar bills ) into the ATM at Bank of America in XXXX, Fl on XXXX XXXX. When the transaction was complete, it showed a total deposit amount of {$2000.00}. I called the customer service number immediately and started a claim while parked at the ATM. The claim was started 1 min after the failed transaction. The lady told me it would take 10 business days to get the dispute taken care of. After 10 days I called to check the status of the claim. The customer service agent said there wasnt any changes to the claim yet but to wait to get a response on the XXXX of XXXX. I called today and the customer service agent said the case was closed and they didnt find any extra cash in the ATM, therefore denying me the missing {$2000.00}. I asked for details they found on the camera and she was not able to verify what the verification process was. She stated that sometimes they cant tell by looking at the camera. They also claimed they didnt find any extra cash while auditing. She did open a new claim to see if Bank of America will reconsider the case. No financial relief was offered and no detailed reason as to why the cash was not accounted for. This is not the first time this has happened with this bank/ location. Last time it was resolved within a weeks time but declining it this time is unacceptable.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( collection name ). I find that strange since I don't recognize this account neither am I liable for it at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper verification of this alleged collection. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I begged the creditors to Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges However, this unvalidated negative account is still impacting me
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

For the past 7 years my identity has been repeatedly used for fraudulent activities. This has been a long and stressful process trying to not only clean up my credit but also keep it safe from thieves.
Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

Our lender is PennyMac, though we initially bought our home through XXXX mortgage. We received a letter that beginning next month, XXXX XXXX, our payment will be increasing from the current amount of {$1700.00} to {$2400.00} due to an escrow deficiency. This is an insane increase to be facing, and it just feels like this has to be an error! We understand that escrow estimates can adjust, but this is such a ridiculously high amount that it seems as though PennyMac screwed up somewhere.
Consumer complaint received 2017-04-15
Product: Credit card — 
Issue: Convenience checks — 
Company: CITIBANK, N.A. (NC)

I had a 0 % interest offer from Citibank, for which I paid a 5 % upfront fee. They then charged me interest on their annual membership fee ( {$0.00} " minimum interest charge '' in XX/XX/XXXX and {$1.00} " interest charged to standard purchase '' in XX/XX/XXXX ) despite the fact that I paid more than the annual membership fee balance by the due date the next month. They said that because I had a " rotating balance '' they charge interest on " new purchases '' from the date of purchase until it is paid off. 

This does n't seem right to me, since if I had a XXXX balance with them, and paid off my balance within one month, they would n't charge me any interest. It 's only because I had a " zero interest '' balance with them that they charged me. That does n't sound like zero interest to me. I do n't think they should be allowed to do this. 

I realize that in the scheme of things, this is a very small matter and amount, however, if they do this to hundreds of thousands of people, the amounts can add up quickly for the bank. This should not be allowed.
Consumer complaint received 2016-01-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (AZ)

U.S. Bank paid out of an escrow account for Loan # ending in XXXX for a property insurance policy other than the property assigned to this loan. When the error was brought to U.S. Bank 's attention they not only refused to correct the error, they refused to discuss the matter with me, the account holder, and insisted on discussing it with only my insurance agent. The matter was never corrected. U.S. Bank refused to accept the loss due to their negligence and have withheld the money paid out in error from the loan pay off on XXXX XXXX, XXXX. I understand the law requires reserves and accounting for the escrow fees within the monthly mortgage payment. This is not the issue here. The problem is that U.S. Bank, through their own incompetence created the shortage in the escrow account and refused to correct the problem. Instead they merely demanded that I, the mortgage holder, make up the shortage they created by carelessness in their accounting. This is a habit of U.S. Bank. I closed my checking accounts with them due to their processing debits from another person 's account through my account instead and denied this to be fraud. They have made up fees and charged my account for items I did not purchase because they chose to without cause or reason. They have withheld funds illegally claiming their accounting allowed this. The most recent was at payoff of this loan on XXXX XXXX, XXXX. The account was paid up for XX/XX/XXXX including the mortgage insurance of {$51.00} for XXXX XXXX. However, U.S. Bank held the funds for the mortgage insurance for XXXX XXXX, XXXX XXXX and XXXX XXXX, as well as the escrow shortage from their admitted disbursement error. 
I am appealing to this board to investigate U.S. Bank 's form of accounting, correct same and return my funds of {$710.00} for the property insurance policy paid in error and the {$100.00} in mortgage insurance and the {$230.00} in the escrow impound that should be returned to me from closed escrow account since loan is now paid off. The total U.S. Bank owed me is {$1000.00}.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Subject : Urgent Request for Metro2 Compliance Investigation - Unauthorized Sale of Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : [ Your Email Address ] Phone : [ Your Phone Number ] [ Date ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Information Services, I am writing to bring to your attention a matter of utmost urgency regarding the accuracy and compliance of the information reported under my name to consumer reporting agencies, specifically as reflected in my recent credit report from Equifax. After a thorough review, I have discovered distressing information that indicates my personal data may have been illegally bought and sold on the dark web, leading to potential exposure of sensitive information. 

Specifically, the discrepancies I have identified are as follows : 1. [ Detail the first discrepancy, including any relevant account information ] 2. [ Detail the second discrepancy, if applicable ] 3. [ Continue as necessary for additional discrepancies ] This revelation is deeply concerning as it poses a significant threat to my privacy and financial well-being. Given the severity of this matter, I urgently request Equifax to conduct a thorough investigation into the unauthorized sale of my personal information on the dark web. 

If possible, please provide a written response within the next 30 days, outlining the results of your investigation and any corrective actions taken to address this illegal exposure of my information. Additionally, I request that Equifax take immediate steps to rectify any inaccuracies stemming from this unauthorized sale and promptly update my records with Equifax and the other major consumer reporting agencies. 

I appreciate your immediate attention to this critical matter. I trust that Equifax will take swift and decisive action to ensure Metro2 compliance, safeguarding the accuracy and security of my personal information. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Please refer to complaint number XXXX within your company. 

Experian is the only credit reporting agency that has not removed this debt. 

FCRA indicates creditors have a certain timeframe to validate a debt. Once that timeframe has expired that debt should be removed from the debtors credit profile if not validated within a certain timeframe. 

Experian is in violation of my rights and has not followed through on rights under FCRA. 

They must follow suit and removed this debt.
Consumer complaint received 2022-04-13
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. (FL)

There's incorrect information on my credit report. Remove all old addresses and personal information. 

My legal name is XXXX XXXX XXXX. 

My date of birth is XX/XX/XXXX 

My residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

My employer is XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning the late payments reported on my credit report. After reviewing my credit report, I have identified discrepancies in the reported late payments, and I am seeking your assistance in correcting or removing these inaccuracies promptly. 
XXXX XXXX XXXX XXXX XXXX I understand the importance of maintaining accurate credit information, and I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation that validates my claim and provides evidence of the incorrect reporting. I believe that with your expertise, we can rectify these discrepancies efficiently. However, if they are determined to be inaccurately reported, I request that you correct or remove them from my credit report immediately. 
Thank you for your prompt assistance in resolving this matter. I look forward to a positive
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XX/XX/2023 XX/XX/2023 XX/XX/2023 I have filed XXXX complaints prior to this on requesting that they send over a copy of the signed loan agreement. They continue to send over a check. This check does not validate or constitute that I entered into any type of loan agreement and according to the FCRA validation must be provided. This still has not happened. 
The company is only sending a copy of a check. 
I have never requested a loan from this company nor did I ever enter into an agreement or sign any check for a loan with this company.
Consumer complaint received 2022-04-11
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX  DPT ED XXXX Account # XXXX, DPT ED XXXX Account # XXXX, DPT ED XXXX Account # XXXX, XXXX 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 agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank Verizon Visa Card. Starting in XX/XX/year> Synchrony Bank will start charging a monthly {$1.00} fee to receive a paper bill in the mail. Contacted Synchrony customer service and the management via phone on XXXX to complain about the fee. They state there is nothing they can do to stop the new fee. I did not agree to any new Terms & Conditions, but they do not care. This new fee and change is an unfair business practice and a terrible way to treat a customer that ALWAYS pays the bill on time and the account remains in good standing. 

Additionally, I reported this new fee directly to Verizon to ensure they know how Synchrony Bank is now charging additional junk fees. I requested Verizon re-evaluate their relationship with Synchrony Bank the Verizon Visa card issuer. It is in the best interest of the customer that Verizon knows how their customer is being treated by Synchrony Bank.