davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (DE)

Hi, For many years, I've had both a checking account at XXXX XXXX  and a savings account WellsFargo bank. 

On XX/XX/XXXX I opened a brand new checking Acct ( XXXX ) at the XXXX website, and on XX/XX/XXXX I moved {$5000.00} from my XXXX checking acct into this new WellsFargo acct [ this transfer was successful ]. 

On XX/XX/XXXX XXXX I received an email from WellsFargo that said : " Don't wait, finish your application for Wells Fargo Everyday Checking... Take a moment now to complete your application ''. 
So I followed the hyperlink in the email, I answered the series of questions their webpage asked me, [ in response to 1 of the questions, I said to transfer {$100.00} from the XXXX  acct as the initial deposit ] and then I was given a 2nd checking account number ( XXXX ) which I never wanted. 

On the morning of XX/XX/XXXX I called WellsFargo telephone support and told them that I only wanted 1 WellsFargo checking acct ( not 2 ). 
They said that we could close the 2nd acct immediately and the {$100.00} transfer [ for initial deposit ] would not be processed. 
On the morning of XX/XX/XXXX I logged into the XXXX website, and I could see that {$100.00} was taken out of that XXXX  checking acct as " WELLS FARGO ONL ACHFUNDING '' but when I logged into WellsFargo.com the {$100.00} never appears in any of my WellsFargo accounts. 

I have called WellsFargo customer service multiple times about this lost {$100.00} transfer.

They deny that WellsFargo ever received the {$100.00} transfer, and they tell me to call XXXX XXXX  to resolve the problem. 
They also said that any transfer going into a closed account would have been automatically sent back to wherever it came from [ but that never happened ]. 

I have called XXXX bank telephone support multiple times about this lost {$100.00} transfer. They insist that the {$100.00} transfer to WellsFargo was successful.

They say that since WellsFargo bank initiated the transfer, I would need to call WellsFargo to try to get this problem corrected.
Consumer complaint received 2021-11-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (MO)

I made my monthly student loan payment to navient in the amount of {$120.00}. Navient fraudulently added that my payment was not made. Payment was made onXX/XX/2021 and mailed that day. Money order was provided by the us postal service serial number XXXX.
Consumer complaint received 2021-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MS)

Commonwealth Financial Systems Inc. is reporting an outstanding collections account in the amount of {$1000.00} on my credit reports. Not only do I not owe this amount in medical debt, after researching, I found that this company is violating Texas ' Licensing Requirements. I have attached a screenshot of the company 's license info that I've retrieved from the Texas Secretary of State Debt Collector Search. I would like this debt removed from all of my credit reports with all three credit bureaus immediately. I would also like to be updated on this process. This debt is not only a violation, it should not be on my credit report. On the date of service, I was covered medically under XXXX XXXX ( XXXX  Military Insurance ) insurance and I provided this information at this time. XXXX was never billed by the provider. This is a provider error and has wrongfully been placed in collections. The date of service has reached 7 years and is too old to be on my credit report as well.
Consumer complaint received 2019-06-27
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. (CA)

To ordinary persons, a bankruptcy discharge is commonly known as " a court order issued at the end of Chapter XXXX or Chapter XXXX case that relieves a debtor from their obligation to pay a debt. '' Nothing in Bankruptcy Court Case No. XXXX, even remotely suggests a bankruptcy discharge happened in that case. The only response Equifax has provided is " a bankruptcy discharge remains on the credit report for up to ten years '' per the companies policies.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (PA)

Today, onXX/XX/XXXX, I checked XXXX XXXX and found that a new Discover account had been opened in my name. I did not open this account. A few weeks ago, we received a credit card in the mail that we believe was opened by my father, who has the same first and last name as I do. I suspect he has used my information to open a credit card as my credit is fair. I never opened this account and would like for someone to investigate.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I had a mortgage with XXXX they sold my mortgage to XXXX XXXX in XX/XX/XXXX. I paid the home off through XXXX XXXX which reflects on my credit report in XX/XX/XXXX. The problem is XXXX XXXX XXXX is still reporting my mortgage as open. I have been reporting this to the company XXXX and all credit reporting agencies still to no avail. At this point it's affecting my credit and me purchasing a home I don't know what else to do.
Consumer complaint received 2018-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ECMC GROUP, INC. (NY)

On XX/XX/XXXX ECMC was given notice by i : XXXX XXXX, to Cease and Desist collection. This notice was not returned nor did ECMC respond. On XX/XX/XXXX, i notified CFPB via compliant ( XXXX ) regarding ECMC threatening to use my social security and personal information. ECMC responded they have no account with my information. It comes now on XX/XX/XXXX, i received an alert from XXXX XXXX that my credit score was decreased because of 7 ECMC collection accounts added. Upon review i noticed XXXX has the account listed as collection accounts and XXXX has the account listed as credit both accounts list the open date as XX/XX/XXXX. This is a violation to the Cease and Desist Notice dated XX/XX/XXXX, FCRA ( which state debt collector are to report accurate information, FDCPA ( are to cease and desist when notified ). By ECMC attempting to extort i for money not owed this falls under RICO frauds and swindles. This also is paper genocide and violating my indigenous rights.
Consumer complaint received 2016-01-06
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Exeter Finance, LLC. (CA)

I applied for an auto loan. Unfortunately, Exeter Financial wanted to charge me an interest rate of 15.4 % which is absurdly high. Exeter Financial has a reputation for charging XXXX and XXXX customers higher interest rates than XXXX borrower applicants. They were trying to charge me an absurdly high interest rate because of my national origin.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX Balance Owed : XXXX} Late open XXXX XXXX Balance Owed : {$XXXX Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {XXXX0} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$XXXX} Date Opened : XX/XX/XXXX XXXX XXXX & XXXX XXXX Balance Owed : {XXXX} XXXX XXXX Balance Owed : {XXXX Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$XXXX} Date Opened : XX/XX/XXXX
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

Chapter XXXX BankruptcyXX/XX/XXXXI never filed for bankruptcy I have disputed this information with : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX. XX/XX/XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, PA XXXX
Consumer complaint received 2022-05-06
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. (MN)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX - XXXX Account Number : XXXX 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 2022-02-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXXt # 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 2021-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (NY)

On XX/XX/2021 I was notified by XXXX that my name and Social Security number were used to open a fraudulent checking account with BB & T. I immediately contacted the bank at this phone number ( XXXX ) XXXX. I filed a police report. I contacted the Federal Trade Commission and Social Security Agency to report the event. I was assured by BB & T that the account had been closed and that an investigation would take place. When I started receiving paperwork from BB & T I became alarmed and called the bank again. I was reassured that the account was closed, an investigation ongoing and that whatever communication I was receiving by mail was in the pipeline prior to any measures being put in place. I am now in receipt of notification stating that my account is overdrawn by {$200.00} ( plus late fees ) and that if I dont cover this debt a collection agency will be retained to recover this amount. I have called the bank repeatedly. I filed a complaint with XXXX ( # XXXX ) BB & T answered on XXXX stating that they were investigating and I would not be responsible for accounts not opened by me. However, as you can see with the attached -- they are still trying to extort money from me and they claim they only recently closed an account that I declared fraudulent in XXXX. This matter has been going on for over two months. This is a fraudulent way of running a bank. Please, help me.
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: Experian Information Solutions 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 items : 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 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 2022-10-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I have been a customer of Wells Fargo Banking for more than 30 years. At least for the past 10 + years, they have engaged in systemic fraud related to OVERDRAFT and how and when they choose to pay incoming debits. Basically, THEY HOLD BACK INCOMING FUNDS - KEEP THE BALANCE LOW - AND WHEN A CHARGE COMES IN - THEY WILL PAY THE SMALL DEBIT ( only the smalls ones ) THEN CHARGE AN OVERDRAFT THEN ALLOW THE INCOMING MONEY INTO THE ACCOUNT, CAUSING A NEGATIVE BALANCE OFTEN TIMES. 

In essence, THEY INTENTIONALLY STAGE OVERDRAFTS TO COLLECT FEES. 

They only pay small debits and not anything near the {$35.00} they charge as overdraft. THESE DEBITS ARE STAGED AS WELL TO GENERATE THE FRAUDLUENT OVERDRAFT FEES. 

Recently, they took away their email customer service feature and you now have to call to dispute. THEY INTENTIONALLY DROP YOUR CALLS OR PLACE YOU ON AN INDEFINITE WAIT HOLD so as not to address the problems. Only after numerous calls, threats of complaints and threats to close my accounts, they finally remove SOME FRAUDULENT OVERDRAFT FEES. 

Because they've engaged in this for many years, I no longer keep more than {$100.00} in that account. They charge the $ XXXX monthly fees and when I use the card, they intentionally hold back incoming funds and debits to generate manufactured overdrafts to collect the multiple {$35.00} fees. 

I will give you account access upon request. 

Accounts : XXXX XXXX XXXX XXXX ( checking )
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Grain Technology, Inc. (GA)

Grain Technology will not respond to several attempts made. I got one response on XX/XX/XXXX via email after trying to reach them since XXXX. My account can't even be accessed via the app. it's wanting me to set up an account again even though my information is present so i can't get to my screen even if payment was to be made. Stop payment was placed on my account to prevent grain from debiting my account at random moments causing me NSF fees with my bank.
Consumer complaint received 2022-05-06
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 (TX)

On XX/XX/XXXX, my Bank of America ( BOA ) credit card information was used to make 5 purchases on the internet. I was not notified of this until XX/XX/XXXX and was only notified of 3 charges. I said I didnt make the charges and they were immediately taken off and a new card was issued. I was not notified of the other 2 charges until I received a letter dated XX/XX/XXXX. 
I spoke with BOA Fraud Department several times and received conflicting information each time. I was told to file a police report which I did and faxed to BOA on XX/XX/XXXX. A police XXXX called me and told me I have to have the location of the incident and it has to be in XXXX before they will investigate. I have been unable to obtain this information from BOA despite calls and a personal visit. I was told that all they could tell me was that the merchants billing address was in California. 
On a personal visit to the XXXX XXXX, Florida BOA branch, the manager looked up the company on the internet, called them, and told us that we had purchased a septic tank pump. Later, I looked up the company myself and discovered that when I entered XXXX, it redirects you to XXXX XXXX XXXX XXXX which is a legitimate company that sells septic tank pumps through XXXX. 
When I first tried the phone numbers provided by BOA for the merchants, they were both not working numbers. Later, I tried again and the XXXX number worked. I asked the person who answered for her name and the name of the company, which she refused to provide. She said they answer phones for many companies. She asked my name and when I told her she immediately knew what I was calling about. She informed me that I had purchased a raffle ticket from one of the merchants and entered a sweepstake with the other one. Then she stated that I would not be receiving one penny of my money back. 
Of course, I didnt make these purchases but BOA insists I did. BOA Fraud Department says they have investigated but yet they havent provided any information about the merchant or proof that I made the purchases. BOA is continuing to charge me fees and interest on the disputed amount but I will not pay it because I didnt make the charges. I havent used my BOA card in over 2 years because I use it mainly for travel expenses so I dont know how someone got my bank information. I havent experienced any problems with any of my other accounts being used.
Consumer complaint received 2022-05-06
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 received an alert that my social security number had be compromised. I checked my credit report and I have not applied or tried to acquire accounts from any of the companies listed. There are current inquiries on my credit report I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian
Consumer complaint received 2022-05-06
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. (TX)

I received an alert that my social security number had be compromised. I checked my credit report and I have not applied or tried to acquire accounts from any of the companies listed. There are current inquiries on my credit report I did not authorize. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Immediate Credit Recovery (NY)

There a a student loan from 1986 i was only XXXX years old and I was n't even informed about this loan. I signed something that I was n't even sure what I was signing I do n't recall going to that school for a week.
Consumer complaint received 2022-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way this CRA is furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX such authority.
Consumer complaint received 2021-03-08
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. (VA)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.