davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (WA)

while a customer at Wells Fargo Bank. i had a debit card and a credit card and had wanted fraud protection because of fraud i had before from a bank in Montana. and all this happened at least a year or two before Wells Fargo was in the paper for many issues of wrong doings. i would come into the XXXX XXXX branch when i started noticing issues with both my debt card and credit card. i would notice while using my debit card the charge would be on my credit card as well and the other way as well. the people would change my cards out several times but it wouldn't never help or fix the issue ... during the times of changing out my cards they never added back on my fraud protection.after time went by, while going through some physical issues. it wasn't a long time after being charged a lot of fees i was almost at an amount where it was maxed out and there were charges added above the max amount and i told them again this was fraud and they took off the amount that was over and had told me that i need to pay the rest. even though the whole time these cards were getting false charges. and then never got a late payment letter or in any way never got informed of anything. for years my credit was in the XXXX ish amount it wasn't till i was trying to get a XXXX XXXX  XXXX  and when i called up to see why i wasn't approved they keep telling me i was in charge off mode. even though my credit was in the seven hundreds and when i looked up my credit i only would get the two credit company 's and i didn't get XXXX  and then when i looked up my XXXX  credit it said charge off and hit me with a low score. know i didnt know how to fix this or who to talk to. until now. because of how all this was dealt with and handled i'm writing this complaint
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

I've requested a reasonable settlement offer to compensate for damages as a result of Wells Fargo reporting information to consumer reporting agencies, stemming from accounts opened by them which I did not need or want. The offer ( s ) made to me do not compensate for damages including potential interest on monies I was unable to deposit because I could not open deposit accounts, due to info reported, as mentioned before. I was offered an amount of {$3800.00} by XXXX XXXX in XXXX of 2019, another offer of {$500.00} made via mediation session recently, both offers do not cover damages sustained due to inability to open accounts The offers were accepted, however, do not compensate and do not release Wells Fargo of any claims. Further, I did not sign anything releasing Wells Fargo of claims. Failing to make a reasonable settlement offer, I request an address make file suit.
Consumer complaint received 2023-03-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OneMain Finance Corporation (IA)

I have tried to call the company twice I was put on hold for hour no one ever pick up. I had my loan modified in XXXX. This is installment loan. I am not sure why they closed on credit report. Also credit report has not been updated since XXXX XXXX. The balance the amount pay is in correct. On the billing I will owe forbearance balance XXXX not sure what that is
Consumer complaint received 2022-02-17
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. (MI)

I sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

In XX/XX/2018 I closed a checking account with Citizens Bank and had no checks outstanding or debits from debit card. A month later the bank put a dr or debit for {$270.00} for service fees and overdrafts and sustained overdrafts. I am a XXXX year old XXXX XXXX veteran. The bank does not care that the only thing that reopened and caused this negative balance was their fees. They call my landline phone harassing me and I want them to cancel out those fees after I closed my account and stop calling me.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I am receiving harassing phone calls that I have not made my BJ 's Comenity monthly credit card payment [ end of XXXX ). 
I have gone to bjs.com and clicked on link to 'Pay My BJs Perks Mastercard Credit Card Bill ' and am able to log in. After I log in, I see a message on their screen that says their website " Page not available. We are experiencing technical difficulties.

Smaller letters below that headline reads 'This page timed out or can not be found. If you need immediate assistance, visit Comenity.com and search by brand name to find the Customer Care phone number for your credit card account. '' I did that as above, and it loops me back to this same page.

I have reported this company ( Comenity Bank ). they are performing a very poor service. Everytime I try to make a payment, their website is down. They then make harassing phone calls even though I pay my bill via online 100 % of the time and am unable to do so because Comenity website is down. 

The last time I reported this- they reported my unpaid amount to XXXX, dropped my credit score, and I couldn't purchase a home when the interest rates were low. By the time XXXX investigated, the interest rates had escalated. Please have someone address the fact Comenity should be asked why their website is constantly down, and consumers should be reimbursed. I am not able to message them because their website is down. IF I wait on the phone, its a very long wait. This is customer abuse.
Consumer complaint received 2024-03-21
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: Exeter Finance, LLC. (GA)

This creditor XXXX XXXX, EXETER FINANCE LLC, XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

As a result of depositing {$75000.00}, my account was upgraded to Chase Sapphire Account in XX/XX/2019. And my saving account was linked to my sapphire account. After I withdrew the money I visited a local chase branch to make the needed changes so that I don't have to pay fines as a result of requested changes. But I have been charged {$20.00} for the past 18 months totaling {$360.00} which I became aware of very recently as my savings accounts were made paperless ( I did not request this ). I earned a total interest XXXX cents or so during the same period. So I closed the account caught unaware of these fees. I contacted XXXX XXXX of Chase Branch located at XXXX XXXX XXXX, XXXX, XXXX was told that my concern was escalated and I can expect to hear from between 7 to 10 days. It is almost 14 days and I have not heard from Chase. Trying to find why these charges were made by visiting or calling Chase has been a wild goose chase. I am afraid there are other in my similar situation.
Consumer complaint received 2022-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (NC)

A wire transfer was sent to a suntrust/Truist account in my name on XX/XX/2021 and to be deposited the next day. It was in the amount of {$790.00}. Suntrust closed my account without acknowledgment to me. When I spoke with suntrust they stated that the money was supposed to be sent back toXX/XX/XXXXXXXX XXXX. XXXX states that no money has been returned and suntrust is solely responsible and should be the responsible party to issue me the money back, and even though my account was closed they still are the responsible party to issue the money back. All accounts have been checked and confirmed with XXXX  that no money has returned to them. When speaking with suntrust in the past month and a half I have been told I would get a cashiers check for the amount and that I could go to a branch location and receive the check. When I went to the bank I basically got the run around and then I was told that they are not responsible and I would not be getting any money returned to me.
Consumer complaint received 2022-06-16
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. (LA)

The unconfirmed accounts stated below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$220.00}
Consumer complaint received 2020-07-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION (AL)

I had been trying to contact the company about the debt when i lost work due to COVID-19. They said they would call me back. I called several times but no response. By the time someone did contact me they had put 60 days late on my credit. I spoke with XXXX XXXX and he said he was trying to help me and that I could make a payment arrangement. I made the arrangement for {$100.00} per month on XX/XX/2020. As soon as I made the arrangement, they put it as a charge-off on my credit. That was very deceitful and unethical. This is very bad on the company especially during a time like this. I had never been late until this disaster.
Consumer complaint received 2022-06-16
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 US 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.
Consumer complaint received 2019-11-18
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: Experian Information Solutions Inc. (MT)

There are two fraudulent inquiries on my credit report with Experian that I did not request nor authorize and Experian is refusing to remove the inquiries. 

The inquiries are : XXXX XXXX XXXX XXXX  XXXX  XXXX I talked to Experian on XX/XX/2019.
Consumer complaint received 2018-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions (AL)

XXXX XXXX XXXX, XXXX was not authorized to inquire about my credit in any way. I have no knowledge of who they are. I have contacted them about this matter and asked that the inquiry be removed from my credit report but, I have yet to receive my request. The FDCPA requires a {$1000.00} fine if this unauthorized inquiry is not removed. Various amounts of {$240.00}, {$87.00}, {$980.00}, {$58.00}, {$140.00}, {$240.00}, {$410.00}, {$130.00}, {$320.00}, {$280.00}, {$480.00}, {$590.00}.
Consumer complaint received 2018-12-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

I sent a cashier 's check for {$21000.00} as per the request of the Escalation Department Manager XXXX ID XXXX to reinstate my mortgage loan. I called Ocwen this evening and was told the Cashier 's check was returned and there is an Active Foreclosure on my home. Ocwen stated the reinstatement is {$23000.00}. I don't understand why Ocwen could not give me a 12 month reinstatement plan for the difference. 
I have a copy of my reinstatement amount and it's actually {$22000.00} which is actually {$1800.00} difference. 
I have done everything to resolve this matter and it seems apparent that I need to file a Chapter XXXX Bankruptcy to save my home from Foreclosure.
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I received a loan from XXXX XXXX aka dba XXXX XXXX in XX/XX/XXXX. I lost my source of income and was unable to make the bi-weekly payments. I called them on XX/XX/XXXX to request that they not draft from my account and was told they were unable to stop drafting until I paid off the loan so I then contacted my bank and put a stop payment on the account. I and explained that I asked them to stop drafting from my account which my contract says I can do over the phone. Months later this company drafts my account twice on XX/XX/XXXX for {$270.00} and XX/XX/XXXX for {$230.00} ... Keep in mind my payments were {$63.00} every two weeks. I then called my bank disputed the charges and requested that my bank block them from drafting from my account. XX/XX/XXXX CHECK # XXXX was processed for {$500.00} I contacted my bank and was told by XXXX on XX/XX/XXXX XXXX central because I owed them they have the right to go into my account a withdraw any funds they wanted. Even though I revoked their authorization to do so. This money was for my rent that I now do not have and basically, I am being told by my bank that any creditor I owe can just take the funds out of my account if I EVER gave them authorization regardless of the fact that I revoked it. I bank with Chase because I want my money protected. If I unauthorized a charge it should not draft from my account. My bank should be on my side. If at any time a creditor can just dig into my account for any amount of money ... why would I continue to have a bank account?! Unfortunately I have debt because I have low income if this is the case I would live in fear everyday because I keep my income in my bank account.
Consumer complaint received 2018-07-20
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. (GA)

I submitted a letter to Experian disputing items on my credit report XX/XX/XXXX. I asked for XXXX XXXX XXXX, partial account # XXXX, {$1300.00}, to be verified, documentation of verification provided or removed. It remained unchanged. In XX/XX/XXXX, I requested a copy of my report and credit score and noticed that the information for XXXX was changed. I tried to dispute it and Experian said it was updated.The information is not correct. Experian changed the information to show that this item was included in a XX/XX/XXXX discharged bankruptcy. The item was not reported until XX/XX/XXXX. Items in a discharged bankruptcy can not be added two years later. In addition, XXXX XXXX XXXX, partial acccount XXXX, shows as a separate line item with a late payment. This item was included in a bankruptcy. Since this item was included in a bankruptcy, it should not be listed as an additional negative item. Experian refuses to correct the stated information on both accounts and will not allow me to dispute the information online because they said it was updated. This is unethical reporting. Experian did not verify information because if it was verified, these errors would not be on it. I have worked hard to rebuild my credit and have paid off some debt and raised my credit score with XXXX and XXXX to XXXX and XXXX, respectively. My Experian credit score remains at XXXX because of this incorrect reporting. Thank you.
Consumer complaint received 2018-05-02
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (PA)

On XX/XX/2013, I made my final payment of {$390.00} to ACS/XXXX and closed the account. Recently, after being denied for a credit card due to having an account in the late pay status, I discovered that even though the account is closed and fully paid, ACS/XXXX is reporting to the credit agencies that I am currently 60 days past due date. I have filed disputes with the credit reporting agencies, and spoken directly on the phone with customer service with ACS/XXXX. No correction has been made. I am not disputing any late or missed payments, only that Current Pay Status should indicate that the entire loan has been paid.
Consumer complaint received 2022-02-17
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. (AZ)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XX/XX/XXXX
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

I applied for the American Express Gold card, I was denied and so I did not accept that offer and responded to the Investor Relations and Legal Departments with the letter attached that disclosed why they cant deny me access to my credit based on their prospectus, Indentured Trust Agreement, etc, how they are trading on the primary and secondary market my application, as well as being able to go to the federal reserve bank and gain access to my credit which also funds their ability to pay investors and shareholders. In doing that they are benefiting and I am not which is securities fraud.
Consumer complaint received 2022-06-16
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 US 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.
Consumer complaint received 2022-08-26
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: WELLS FARGO & COMPANY (FL)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX WELLS FARGO XXXX Date XXXX XXXX XX/XX/2012 Balance : {$930.00}
Consumer complaint received 2018-05-02
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: LEXISNEXIS (GA)

There are several issues I have with Lexis Nexis : Problem with a credit reporting company 's investigation into an existing problem and Improper use of your report ( shared without consent, credit inquiries from unknown sources. 

A Freeze and a Suppression was placed with Lexis Nexis last year. Lexis Nexis continues to sell/share my information with the XXXX and XXXX. Lexis Nexis has also released my information to creditors, well after the freeze and suppression. Lexis Nexis continue to state that the US Federal Court has given them Bankruptcy information. The Court has sent me a letter stating it doesn't share information with credit reporting agencies, due to privacy laws. Per my Lexis Nexis report, Lexis Nexis states that it contacted the bankruptcy court directly and was told that I had a bankruptcy. I requested information from Lexis Nexis to  disclose to me who at court told them I had a bankruptcy ; but Lexis Nexis has ignored my requests and have failed to properly investigate. LN has released information to several creditors, such as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX for insurance. I have sent subsequent investigation letters, and I feel that I have been ignored. My LN reports shows that I have a business. I HAVE NEVER OWNED OR CO-OWNED ANY BUSINESS!