davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

Dear CFPB, I have a Fidelity Credit Card ( Issued by Elan Financial Services ) that I haven't used in months and has had {$0.00} balance as a result of any purchases. However, over the past few months, they have been mailing me a {$50.00} check and then charging me fees ( up to {$32.00} ) monthly. I have tried to cancel the credit card multiple times and spoken to multiple people at the card services and private investing department. 

They have told me they will have someone call me about the issue and I have not received a call back. They have tried to reverse all the fees, but then assess more fees again. The issue keeps persisting despite them telling me it's all resolved. At this point, it seems like my credit score has been materially and adversely affected by their actions. 

The most recent conversation with them was today ( XX/XX/19 ) where I spoke to card services. They looked into the issue and found there was a complete breakdown between the card services department, Elan Financial Services and investing department. 

That being said, the impact to my credit, the numerous calls I've made and their lack of responsiveness has been an unfair and egregious violation of consumer trust. The unethical behavior has resulted in not just frustration, but clear impact to my credit. 

I have been patient over the past few months and am formally complaining because of the issue persisting for so many months. It also could be a systemic issue, which is unfair for anyone that has the card. I've been diligently calling them, but others may not. 

Thank you, XXXX
Consumer complaint received 2021-07-23
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Loanatik, L.L.C. (AZ)

Misleading and Deceptive Advertising. 
Ad has appeared many times in my XXXX XXXX XXXX as recently as XX/XX/2021. 
Ad says No Origination Fee No Appraisal Fee No Counseling Fee Let Me Show you How XXXX XXXX XXXX XXXX NMLS # XXXX Loanatik # XXXX
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (MI)

I am XXXX years old, my hearing is challenged, I have filed complaints against Wells Fargo and I always ask for them to respond in writing. I do not like being on the phone and having to always ask for conversation to be repeated, it makes me feel troublesome and I am always having to apologize. Also, conversation can be misunderstood. Yet Wells Fargo continues attempt calling me. I want a accurate record of all correspondence, Therefore I am requesting a CEASE and DESIST of all phone conversations. Wells Fargo may reach me at my email address, by USPS or through there messaging platform. 
There is nothing in the contract they created and asked me to agree to that states certain correspondence can only be done over the phone. 
CEASE and DESIST all phone conversations particularly from their Executive Office, immediately, Stop harassing me!
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IL)

My account was labeled as a business account when in fact it was a personal account and they blocked online access to me. They allege that it was a banking error due to my mothers maiden name being inputted incorrectly by them. I went into the branch to fix it and they updated the account. Thereafter, I could log in but they had charged me excessive overdraft fees that I did not owe. They took off the fees but they reported it to my credit bureaus as delinquent, after they told me that it was corrected.
Consumer complaint received 2018-06-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Accounts, LLC (TX)

Collection agency called, returned the call back and male employee was extremely rude and abusive. While providing a time and date for when the {$74.00} balance could be paid the collector made remarks regarding the guarantor 's children, specifically stating " I know you have XXXX kids and you clearly don't care about them since you won't pay this .... '' The male employee also stated they would no longer be calling since the guarantor would not pay today or put a card on file to pay. 

This is a low outstanding balance and the treatment was completely uncalled for and the exact reason FDCPA and UDAP was created. 

This abusive language is completely uncalled for and illegal. 

Phone Number : XXXX Collection Agency Name : Capital Accounts LLC
Consumer complaint received 2019-10-14
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. (CO)

Experian just sent me a brand new credit report in the mail and my request to have negative, false comments removed from specific accounts has been ignored again. I am left with no other choice but to keep filing compliants with the CFPB and now my state attorney generals office. 

I am attaching a scanned copy of the report that they just sent me. The following accounts have false and incorrect comments on them that say " Dispute and reinvestigation '' but they never fix any problems. They intentionally leave the dispute codes or comments.on there because they know that it impacts me getting approval of loans because it takes those account out of the algorithm. They are intentionally doing this because I stand up to them and file complaints. I want the comments that are circled on the attachment that is being uploaded removed permanently and i want them to stop putting these false comments on my credit report. They have no right, especially when accounts have not been disputed by me. This is illegal and this is an attempt to harm my financial status and they need to be be held accountable. 

The following accounts have comments that i am demanding be taken off. SEE UPLOADED ATTACHMENT AS WELL. This is important since most of these people that work for Experian are not even in our country and do not speak very good english. 

1. XXXX XXXX ACCOUNT : XXXX 2. XXXX XXXX ACCOUNT : XXXX 3. XXXX/XXXX XXXX   acccount number as on report XXXX 4.  XXXX/XXXX XXXX 5. XXXX XXXX XXXX XXXX : XXXX ( Never disputed, never late, why are you putting a dispute comment on this account ) Should say Open/Never late 6.XXXX XXXX XXXX : XXXX ( Account has always been in good standing why would I dispute this one. You intentionally put a false narrative on my account is should only state OPEN/NEVER LATE Remove all dispute codes and comments immediately. LOOK AT THE ATTACHMENT it specifically points out your intentional and false statements that must be removed immediately.
Consumer complaint received 2022-10-06
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. (PA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-09
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: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (OH)

The Midland Credit account was removed from my XXXX record because it was determined to be too old. Only days later it appears on my XXXX  record. How is this possible. The actual date on the account closure was XX/XX/XXXX, not XX/XX/XXXX.
Consumer complaint received 2019-10-14
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: Experian Information Solutions Inc. (TX)

I have sent exactly the forms that i was given by Identity thieft. org and experian says they are in the wrong format lady on phone would not explain what format they needed to be in. very rude, i asked for supervisor and was hung up on
Consumer complaint received 2019-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (AZ)

This is in response to an unresolved claim through CFPB. 

I never opened an account with this entity. I do not open such accounts online, electronically, or via the internet. 

This entity claims I opened an account with them online to obtain a line of credit. I have informed this entity they are incorrect and that I never opened such account. 

I will not utilize another entity such as FTC to validate my claim or fill out documents alleging a fraud has occurred, as I will not give any entity my personal information due to an occurrence I had nothing to do with. This is not my responsibility. 

The entity claiming I opened such an account needs to provide a written contract with my wet-ink signature thereon, as that is the only method by which I will open an account. Otherwise, it is proven I have no affiliation with this entity, have never done business with such entity, and do not owe a debt wherein said account exists. 

Attached are the three attachments this entity included as backing their claim against XXXX XXXX, all of which are invalid as they have nothing to do with me, XXXX XXXX. Also attached is my affidavit stating my procedure for financial contracts. 

Show me this contract on paper or there is no such contract.
Consumer complaint received 2016-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

I rented a apartment from XXXX which required the tenants to use their power & water XXXX XXXX. The original lease agreement states that all bills to XXXX must be satisfied in order to close out the lease for the apartment. I closed out all my bills and did a final walk thru with no worries. Several months later I received a call from National Credit Systems INC saying I owed XXXX XXXX. This is a total scam. My balances have been closed out but these crooks keep trying to say I owe money. I have been dealing with this for years. these people are crooks and are tied into the scam with the apartment complex which does n't even exist anymore.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Well for years my credit report has been wrong frad and I've tried to fix it myself now my credit has been compromised from Equifax it's wrong to have my credit destroyed for years no one there to help me fix or repair my credit report I've filed with them disputing the credit report to no avail or they just do not care how it had effected my credit
Consumer complaint received 2019-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (HI)

Aloha,CFPB,Iamcomplainingaboutthe2loanservicers,thefirstOcwenLoanServicing,LLCwhotransferredmyloantothesecondservices,PHHMortgageinXX/XX/XXXX.InadditiontothelawfirmXXXXXXXX,XXXX,whodidnotdotheirduediligencebeforefilingtheforeclosureaction.

InXX/XX/XXXX,IwasapplyingfortheHAMPloanmodificationaftercompletingpaymentsontheHomeAffordableUnemploymentProgramForbearancePlan.Foroverayear,Iwastoldtheyweremissingdocuments,thatIhadalreadysent;deniedaloanmodification,evenafteraHUDcounselorwhoreviewedmyfinancialsstated,Idoqualify.Then,Iappealedthedenial;theyresearchedandaskedmetoreapply3moretimesandstillnoloanmodificationwasoffered,(NotuntilXX/XX/XXXX,whileinforeclosure).Thesecompaniesarenotonthesamepage.Theyviolatedfederaldualtrackinglaw.
OnXX/XX/XXXX,whilestillintheprocessofreapplyingforaloanmodification,XXXXXXXX,XXXXPlaintiffscounselfiledaComplaintforforeclosureonbehalfofXXXXXXXXXXXXXXXXXXXX,asTrusteeFortheRegisteredHoldersofXXXXXXXXXXXXXXXXXXXXXXXX
AfewdaysbeforeIwasservedtheComplaint,theXXXXXXXXSettlementfrozeallforeclosuresbecauseOcwendidnotcomplywiththeirstandards,howeverPlaintiffcounselwentforwardwithfilingtheforeclosure.

Irecently,appliedforaloanmodificationwithnewservices,PHHMortgages,whileinasettlementnegotiationwithPlaintiffscounsel.PHHMortgagesdeniedmyapplicationinXX/XX/XXXX.IappealedinXX/XX/XXXXandrecentlywassentaletterstatingthattheycannotoffermealoanmodification.
IamscheduledtodefendmyselfandpreventthePlaintifffromtakingmyhomeintheMotionforSummaryJudgementHearingonXX/XX/XXXX.
IaskthattheCFPBlookintothesecompanieswhoatinvolvedindeceptivebehaviorandmisconductandfrivolousfilingsanddramaticallyaffectingmanyhomeownersacrossthecountry.
Mahalo,XXXXXXXX
Consumer complaint received 2022-10-06
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: Millco Management (FL)

" In accordance with a Fair credit reporting act [ XXXX XXXX ACCOUNT # XXXX has violated my rights. 
[ XXXX XXXX ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 


"
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-10-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/XXXX, I called Ally Financial and requested a 60 day extension as I am having a financial hardship. The extension was granted and paperwork was sent for me to sign and send back by XX/XX/XXXX ( 10 days from date notice was sent. The representative also placed in a request for the fees to be waived. There was also a payment made as agreed on XX/XX/XXXX for {$370.00} that covered the extension agreement payments for {$220.00} due XX/XX/XXXX and a payment of XXXX due XX/XX/XXXX. The notice was faxed on XX/XX/XXXX at XXXX XXXX and confirmation of receipt was received immediately. As of XX/XX/XXXX, I am beginning to receive notices that I owe {$440.00}. When I called on XX/XX/XXXX, I spoke with 2 representatives and a supervisor. The first representative could not comprehend anything I was saying and refused to let me speak to a supervisor after I asked 4 times. I then requested to speak to someone in the United States. That representative, XXXX XXXX, read over the account and connected me to a supervisor named XXXX. XXXX was condescending and refused to even acknowledge that I did my part for sending the information and told me I had to go back through the process. I explained to her that I currently am not in a position to request another extension as I did so to be proactive. I offered to send her proof that they lost my documents and that the fax was received, she advised me no. I had to call back to speak with another representative named XXXX, who actually listened to my situation and complaint. She couldn't make any promises that they would take action as they lost my documents but to fax her over the confirmation from when I previously sent the information on XX/XX/XXXX. I have attached proof that the fax was sent to the correct fax number and received.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The following companies have errors on my credit report. My balances are incorrect and the credit amount are incorrect. 
The companies with incorrect reporting are as followed : XXXX XXXX XXXX  Report : Incorrect Balance and Incorrect Credit Limit XXXX XXXX XXXX : Incorrect Balance and Incorrect Credit Limit XXXX XXXXXXXX : Incorrect Balance and Incorrect Credit Limit XXXX XXXX XXXX : Incorrect Balance and Incorrect Credit Limit XXXX XXXX XXXX : Incorrect Credit Limit
Consumer complaint received 2016-01-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (MO)

I 've disputed some of their claims and sent proof of payment of rent, but have asked for further clarification on other claims of destruction. The agency states the matter has been investigated but they are agreeing with the apartment complex that I still owe. I have asked for dated receipts of their claims but have not received proof I owe them. When I asked for receipts, they sent same paperwork as before. I need more information in order to proceed. What happens when they investigate your disputes and still claim you owe them? I sent photo copies of paid rent from bank. I sent proof of payment and I 'm still disputing them but they claim I still owe. Also claim pet damage. I 'm disputing the extent of damage and will not pay for items they should do before a new tenant moves in such as painting. Also manager when I moved in wanted to put new carpet in. I asked her not to because I had pets, but to wait until I moved out before doing so.
Consumer complaint received 2019-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

XXXX XXXX is the company that says I owe XXXX. There are multiple phones on this account that is not mine. There were calls to the XXXX XXXX XXXX and new york. I live in XXXX. Illinois and dont have any relatives, family or friends here. I disputed with XXXX before and they transferred it to Jefferson capital collection agency. I managed to get my credit straight and they have brought it down to XXXX. This is really heartbreaking. Please get them to delete this.
Consumer complaint received 2019-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (WV)

I filed a complaint about overdraft fees. I deposited a check from another account I have at another institution. BB & T said the computer had placed a twelve day hold on the check which was for {$700.00}. I informed the bank that was in violation of Federal Reserve rules. A manager said on Wednesday that they would check on Tuesday after the holiday weekend whether the check cleared. I checked my account at the other institution on Saturday and saw that the check cleared Friday and the funds were still on hold until XXXX  as of Tuesday morning ( today ). The reason my check was being held according to a teller was that I had overdraft fees. The fees were for PIN transactions and I am opted out of overdraft on PIN transactions. My check was held, in reality, because I filed a complaint about overdraft fees with CFPB previously. I want anyone reading this complaint to know that I was told by my relationship banker BB & T doesn't care if I close my account, and a teller got into an argument with me about the Federal Reserve regulations for holding deposits when I asked to leave a message for the relationship banker and hung up on me intentionally.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I paid off my BofA cards ( XXXX, XXXX, XXXX ) in XX/XX/XXXX with funds from my HELOC from XXXX XXXX XXXX XXXX. BofA received the funds and place a hold on the funds. They didn't notify me that the funds were received nor a hold was placed. I contacted them and was never told a hold was placed on the payment. I contacted XXXX XXXX and was told the fund clear on XX/XX/XXXX. We called on a 3-way call and confirmed the funds with BofA. BofA still didn't remove the entire amount only XXXX and still owed XXXX until XX/XX/XXXX, they wire transfer me the balance after several requests. After that, they closed all my accounts and label my account for money laundering. I had an XXXX score. They allowed me to pay off my balance, increase my credit lines use the account to consolidate my business, personal and do a real estate deal and then accused me of money laundering. I believed I was XXXX discriminate against without cause because of XXXX and XXXX last name. 

I called in several complaints of trouble signing to my account, My account had been hacked and I reported the email to XXXX. My account had been locked out several times they didn't help nor listen to me. They ruin my credit and I had to take more money from HELOC to pay down my limits to salvage my credit. They never explained to me the reason for the hold on my account. So I stop leaving my funds in the account. As of today I still don't understand the treatment I have received from BofA after 17 years during business with BofA. I am a licensed XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and retired XXXX XXXX and XXXX for CA and Nevada. I truly believe I have been discriminated against.