davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CENTRAL BANCOMPANY, INC (MO)

My husband and I have banked with Jefferson Bank of Missouri for years. On XX/XX/XXXX I opened a new checking account at Central Bank of XXXX. After I opened this account, I called Jefferson Bank of Missouri to close that account. They refused at that time, and said they would be able to cancel it on Thursday, XX/XX/XXXX. Their reason for refusal was due to pending items to be paid. They did not close the account as they said, and since then, I have been charged at least {$1400.00} in overdraft, return fees, and maintenance fees. On XX/XX/XXXX Jefferson Bank of Missouri took {$1800.00} from my Central Bank Checking account to cover the excessive fees they charged me over the last 2 months despite my request to close the account. This left me with only {$180.00} to live on. When I called them, they said they would only return fees charged in XXXX because they had been sending me notifications of these charges. I have checked both my husbands and my emails, and mail and there are no notices from Jefferson Bank of Missouri that I can find regarding these fees. 

Had I not opened an account with an affiliated bank of theirs, I believe they would not have left this account open and charged me excessive fees as they have. They did this knowing they could take from my Central Bank account. As of this morning, XX/XX/XXXX my account is still not closed, I have not been reimbursed for any of the fees, and they Still have not closed my Jefferson Bank Checking account.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference 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 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 2016-07-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (FL)

I am filing this complaint because my requests have been ignored by Equifax. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy
Consumer complaint received 2021-02-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I bought a condo via a FHA loan with a bad rate over a year ago using Wells Fargo. WF sent an ad showing more favorable rates recently. I called to confirm that I was eligible for the refi and to see what it would cost. After running my credit and taking my latest info, I was told I would receive a cheaper rate ( 5 % down to 3.something - not the advertised rate but still better ) if the appraisal came through and the appraisal fee would be the only cost. The appraisal did come through ( XXXX ) and I was told I was approved and just awaiting underwriting. A week later, they called me and told me I needed to pay an extra XXXX to close the loan. I said I didn't have XXXX, so they rejected the loan. Further, today I received my annual statement and they are increasing my monthly payment, even though its a 30 year fixed. All this, despite lower natl mortgage rates, a better credit score, an appreciated asset with more equity in it. Wells Fargo is misleading, deceitful and using unfair practices.
Consumer complaint received 2023-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (KS)

On XX/XX/XXXX, XXXX XXXX billed me {$240.00} for a lab test I received. My medical insurance at the time, XXXX, paid the entirety of XXXXXXXX XXXX claim, except for {$240.00}. As the explanation of benefits included in the attached file shows, XXXX identified XXXX XXXX as an in network provider for my medical insurance, and stated that XXXX is not allowed to bill me for the {$240.00} that XXXX refused to pay. In spite of this, XXXX has continued to bill me for this amount. On XX/XX/XXXX, I faxed XXXX XXXX a copy of my insurance explanation of benefits showing that XXXX had disallowed their claim and that XXXX is not allowed to bill me. XXXX XXXX ignored me and sought help from Credit Collection Services. This debt collection is unlawful under the Fair Debt Collection Practices Act because it violates XXXX XXXX contract obligations to XXXX for which I am an intended third party beneficiary.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This loan was not opened by me it was no opened by me I went into the XXXX bank branch  ask them for the paperwork showing this account was opened by me they could not produce any paper work they said I was opened online I told them I did not open this account. They just kept saying it was opened on line we don't have any signed copies of this lian
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (RI)

XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XXXX XX/XX/XXXX./XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXXXX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX  XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX all these inquires are from auto dealers i did not authorized please help thanks
Consumer complaint received 2017-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In   XXXX   XXXX  ,  I was purposely provided with misinformation when opening a checking account with Bank of America using a  XXXX    XXXX   XXXX   issued check.  When the Bank's employee responsible for opening the account asked what brought me into the branch that day, I said my desire was to deposit a check to purchase a vehicle using an earnest cash deposit in a timed sensitive  XXXX  owner vehicle auction (paying the remainder when the entire check clears & pay a credit card bill.   from   XXXX   XXXX   in order to open a new account. Bank of America.  I reported a loss of a steal of a deal (practically) give away vehicle.  I requested Bank of America's Insurance provider with a claim number for the reported loss.    XXXX   XXXX   has not been cooperative.  I request expediting of the matter being that I'm a Veteran   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   . Happy Memorial Day weekend!
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MI)

I am being overcharged ( Corparate Advance Fees ), Home Preservation Fees. My home is being evaluated up to XXXX times this year alone, and I am being charged those fees. Is this really necessary? When getting an appraisal, I know that XXXX is enough. Please help. Could I at least have proofs?
Consumer complaint received 2023-03-15
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. (IL)

There is a Child Support account currently listed on my credit report that is reporting inaccurate. This account has continuously caused me so much grief. When I first noticed it, it appeared to belong to someone else because the account balance was so grossly high, {$14000.00} and furnished as a collection. When I reported this account back in XXXX of XXXX, the balance was reduced to {$490.00} as of XX/XX/XXXX. This account balance does not reflect the balance of an account I have with the state of Missouri Department of Social Services. On XX/XX/XXXX, I received a signed document from the Missouri Department of Social Services showing that the account that I actually do have has a balance of {$0.00}. However, the report Equifax furnished on XX/XX/XXXX, shows an account with a balance of {$490.00}. Then, the same account shows a balance of {$920.00} that was updated on XX/XX/XXXX. 

I have sent letters in the mail to Equifax to try to resolve this matter as I am aware this agency is suppose to have procedures in place that assure they only report accurate information on my consumer report. Instead of correcting the inaccurate, they keep making changes and this is making things worse for me on top of the unneccessary stress. This account is obviously not accurate and should be deleted from my credit report. This is ridiculous! I have attached the letters from the Missouri showing how the information Equifax is reporting is, in fact, inaccurate. None of it is the same!
Consumer complaint received 2015-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

Unknown and not my debt. There is no way this social matches mine or date of birth please remove off of my credit file as a dispute was processed to the credit agencies and the credit agencies stated they verified which I do not believe is accurate.
Consumer complaint received 2018-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (OR)

I was contacted months ago ( I can not say specifically when ) by XXXX XXXX XXXX, and they were seeking to collect a debt owed by a " XXXX XXXX ''. I explained that my name is XXXX XXXX and I didn't think they had the correct individual. They have MY SS # and d/o/b associated with the disputed accounts, however, and eventually reported this as an unpaid debt to XXXX. There were two accounts, one for {$62.00} that now indicates it has been " charged off '' and one for  {$1100.00}. I disputed with XXXX. I contacted Harvard. XXXX reported on their investigation that the debt is " VERIFIED AS ACCURATE ''. I called the billing service for the original debtor and THEY indicated to me that my d/o/b does't seem to match the individual for whom services were provided. I have provided Harvard with a copy of my DL and SS card. Just today I got off the phone with Harvard and their "  manager '' indicated two offers. Either to report the debt as disputed, or he was preparing to " offer '' me to remove the debt and he was calculating a dollar amount, a percentage of the total owed for what he says is three separate accounts. I am not satisfied with those two options. Harvard obviously purchased the debt from a physician 's billing group, and I have absolutely no idea where or who attached my personal information to the individual that received the disputed services.
Consumer complaint received 2015-12-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (IL)

I deposit a check into my account for {$2800.00}. I had an available balance of {$4300.00}. I spent {$2500.00} out of the {$2800.00} check. I spent it at XXXX. Than I I had {$1900.00} of my own money in my checking account still saved from my school that I had received. I looked at my available balance and it was XXXX. I called my bank and I was told the check I had deposited was a fraudulent check and I should wait seven days for it to clear. Within the seven days the check still did n't clear and the negative balanced remained the same. I was told the check was returned and I had to pay a return fee plus the negative balance ; so I did. I want to know why did n't the bank teller at TCF let me deposit the check without telling me it was fake. She did tell me that she can not cash the check and give me money back but she can put it in my account for me. It never cleared or went through so I had to pay them back.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2020-11-10
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: American Credit Acceptance, LLC (NC)

I received my credit report and there was unkown inquiry from AMERICAN CREDIT ACCEPTANCE. I did not give written consent to them. I wrote a letter sent it ceritified mail. Asking for proof and verification validation wet ink signature giving the permisible purpose to do so. To send all proofs and supporting documents per FCRA. They sent me a letter blaming another company and they sent no proof. Just a letter say THEY did it but XXXX MADE THEM DO IT. Tat is not the law. I called today was on the phone with operator XXXX for 10 min. She had no file on my name. No accounts no purpose. I waited 20 min for manager he was to busy to talk. I wan this fraudulent inquiry of my XXXX  and XXXX  its hurting my score thus hurting my life. Please remove at once. Thank you P.s as for XXXX they were contacted and had no information. It was too far back they said.
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

Current mortgage company has increased my mortgage payment for an escrow amount I did not authorize, request, nor have any knowledge of before hand. My mortgage loan closed without an escrow account. I paid my insurance policy in full at closing. Any communication between my then insurance agent and mortgage company was not communicated to me. Current mortgage company acknowledges this account is not escrowed from inception date. The was and active and paid policy in forced at time of closing.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been attempting to obtain my credit report from XXXX since XX/XX/2022. 
I received a letter from XXXX dated XXXX XXXX, 2022 requesting further hard copies of ID, which I provided and sent out XXXX XXXX, 2022. I have never received my credit report. Today I tried applying again online at XXXX three times receiving error messages saying, " We're experiencing issues processing your request. '' Here is the link : XXXX XXXX XXXX XXXX XXXX  Furthermore, I called the XXXX help number ( s ) literally 10 times today and was unable to speak to an agent. The numbers I called were : XXXX XXXX XXXX It was a rambling, circular mess of automated questions that led nowhere until the service eventually just hangs up on you. 

I've had virtually identical experiences with TransUnion and XXXX. 
This is outrageous.
Consumer complaint received 2022-12-14
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. (NY)

In accordance with the Fair Credit Reporting Act, this creditor ( XXXX XXXX ) has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604 A Section 2, it also states that a consumer reporting agency can not not furnish any account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-15
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. (WA)

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, 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 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Somehow my banking institution, Bank of America continues to overlap my bank accounts with another woman by the same name in another state. this issue began in XXXX and for a while was resolved, but has once again popped up as an issue with two withdrawls from my checking account or scheduled bill payments to her credit cards. On XX/XX/XXXX I noticed a payment of {$500.00} and re-occurring payments in larger amounts scheduled to be withdrawn from my checking account which I was able to cancel, called the bank and went through the fraud dept. to get my {$500.00} back, reset all of my online banking credentials etc. allegedly to prevent this from happening again. Then on XX/XX/XXXX I noticed a payment was made in the amount of {$3000.00} from my checking account to my credit card which I did not authorize, I was put through a call tree to inevitably have to wait for the payment to post and then call my credit card ( also under Bank of America ) to reverse the payment. When the funds became available on XX/XX/XXXX the NEXT XXXX XX/XX/XXXX the funds were once again removed and now made as a {$3000.00} payment to this strangers credit card ( again, also Bank of America ). On XX/XX/XXXX I noticed the funds were once again removed and I spent hours trying to make a fraud claim only to be told that it will take up to 10 business days to get my {$3000.00} back in my account. I have a mortgage payment due in less than XXXX hours ( XX/XX/XXXX ), if I do not make my payment on time I will be subject to pay back a XXXX XXXX to the state of CA I was awarded in exchange for XXXX of on-time mortgage payments. I have called and spent hours of my life trying to get Bank of America to resolve this issue and to stop negligently giving this other person access to my bank accounts. I have given all of this information over and over again to their service dept. with absolutely no help to get action made to correct their negligence in a way that is not detrimental to my life.
Consumer complaint received 2023-03-15
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. (FL)

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. Account name XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX XXXX, Account name : XXXX XXXXXXXX XXXX Account # XXXX, Account name : 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 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

CREDIT REPORTING AGENCIES VIOLATED " FCRA '' SECTION 607 AND 609 REPORTING INCORRECT DATA OF ACCOUNT STATUS ... .PUBLIC RECORDS NEVER HAD ANY BANKRUPTCY AND ALL OTHER ACCOUNTS " PAID IN FULL '' / NEVER LATE ... .ACCOUNTS HAS {$0.00} BALANCE : " XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX '' ... ... NOTE : XX/XX/XXXX FILE XXXX XXXX