davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Hello there, I bank with Wells Fargo and I've recently gone back to school full time. With that I am now making less money and I have sometimes overdrawn my account. Because of this, Wells Fargo has continually giving me overdraft fees. And these fees are ridiculous. One time, I got three {$35.00} fee three times in a day for being overdrawn. And one of the overdraft fees was for literally XXXX dollars and XXXX was for XXXX dollars. The specific incident, I am contacting you guys about happened on XXXX XXXX XXXX XXXX XXXX My count was overdrawn by XXXX dollars and I think {$.00}. I had {$15.00} in credit card reward money. So I transferred that money into my account XXXX  thing in the morning of the XXXX. And it didn't hit my account until later that. And I had until the XXXX to put money into my account. So when I woke up in the morning of the XXXX on XXXX dollars overdrawn I got a {$35.00} fee. And my ending balance turned into - {$27.00}. It literally doesn't make any sense. I'm constantly tired of calling at these banks and spending a whole bunch of time on this. Absolutely ridiculous fees. And these banks are doing it on purpose. I understand it's automated systems, but they could fix the problems with the systems. They choose not to because it's making them money. But it's theft. And there's no way that this is legal. And I have no problem paying bank fees. Sometimes they're absolutely deserved but every single time. Some of these tees are ansolutelv insane And the amount of time have to take out of mv dav to straighten out the bank is absolutely ludicrous I have to spend at least XXXX minutes up to XXXX minutes every single time. Not to mention I'm out the money now for however, long it takes for me to get the money back.
Consumer complaint received 2023-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tesani Management Inc (NV)

I have asked on multiple times that they stop adding fees to my loan while I am struggling to pay the loan. They told me to pay {$50.00} twice a month but will not stop the additional fees with paying this amount. I tried to negotiate a lower payment and they refused saying that it is not possible. Even though I am paying XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) my balance due keeps going up. 
They are taking advantage of me being in a financial bind due to medical bills. Their unwillingness to stop the excessive fees means that I will end up paying over 300 % more than borrowed.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$18000.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported  consecutively as NEGATIVE in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX year ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; 30 days late XXXX XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 4. Delete this account, because it shows Credit Limit {$17000.00} on a charge off close account. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2016-03-31
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (NY)

I have a Care Credit Card account with Synchrony Bank for medical/dental expenses. In XXXX of XXXX Synchrony Bank enrolled me in a hardship program offering me 0 % APR for 48 months at {$45.00} a month. As of XXXX XXXX Synchrony Bank has reneged on our agreement and started charging and adding interest to my account. I have called four different times and spoke to four different managers to rectify this to no avail. I have a letter from Synchrony Bank depicting our agreement and I advised four different managers of this as well. In return I was told this is my responsibility to pay with the interest. Three managers said, the interest will be removed after the bill is paid in full. How will someone know when the bill is paid in full when interest is constantly added. This is a hardship for me seeing as I am a XXXX in XXXX and I am enrolled in a XXXX program that 's based on my income to debt ratio. Adding this interest to my account will increase my debt which will wreck havoc with the XXXX program. Please help me with this as soon as possible. I should n't be responsible for the interest per our agreement as well as a written letter stating the account will have 0 % APR interest for four years.
Consumer complaint received 2020-09-01
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. (GA)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY, PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2015-05-24
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (GA)

Synchrony bank/Walmart is reporting XXXX different accounts on my credit report, XXXX of which does not belong to me. XXXX account number is listed as XXXX on my credit report, and shows that it was opened XX/XX/2010. The correct account that belongs to me was opened XX/XX/2010 and the account number is XXXX. I disputed this with all XXXX credit bureaus, and nothing was changed. Furthermore, how could I open an account in XX/XX/2010, and turn around and open a new account in XX/XX/2010 when I already had an account?!
Consumer complaint received 2016-11-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

This is concerning Account number XXXX This is concerning Wells Fargo Dealer Services. They have added car insurance in an abusive way behind the back of the consumer, being myself, although vehicle insurance exists on the account. They sent a demand letter, even though the account is up to date. They added about {$3000.00} worth of insurance to protect the vehicle, a XXXX. There has never been a lapse of insurance and yesterday in a three way conversation with the bank and the insurance company this was proven. They are going to add insurance to the vehicle unjustly for the life of the loan. I want all those charges reversed, to include other predatory charges that they invented. There could be hundreds of thousands of consumer like myself, that are being taken advantage of. I want a complete audit of the account and charges removed and reversed. the employee that I spoke to the first time did not recognize the demand letter and did not know how to answer my questions.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, authorize nor benefit from the following inquiries : XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

I've contacted this company a request to remove inaccurate and unverifiable accounts from my credit report. Once again, a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This company is in violation of this law. 

The following accounts remain unverified, even after multiple attempts to receive validation from them. I request that these accounts be immediately removed from my credit report with all credit bureaus that they report to.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I've contacted this company a request to remove inaccurate and unverifiable accounts from my credit report. Once again, a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This company is in violation of this law. 

The following accounts remain unverified, even after multiple attempts to receive validation from them. I request that these accounts be immediately removed from my credit report with all credit bureaus that they report to.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I HAVE NOW ASK THESE COMPANYS TO DO THE RIGHT THING BECAUSE MY INFORMATION WAS STOLEN AND MISUSED THIS MESS HAS HURT MY LIFE AND FAMILY LIFE I NEED THESE ACCOUNT REMOVE ASAP
Consumer complaint received 2016-12-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Frost-Arnett Company (FL)

I had XXXX on XXXX/XXXX/2015 at XXXX XXXX XXXX XXXX. I had XXXX insurance at the time of service. The claim was paid and it left a patient responsibility which I was paying on.Once I found out XXXX took the payment back from the facility, I stop paying They continued with collection practices and I am owed {$1100.00} in payments, and I sent a certified letter to the facility requesting the payments back with no response. After I sent the facility the letter requesting the refund, I was sent to collections again but to Frost Arnett. I faxed over a copy of the XXXX from XXXX with no response so far form them.,
Consumer complaint received 2017-05-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (SC)

Our Mortgage  Stateme  nt for   XXXX   XXXX   XXXX   h ad went up by {$620.00}. Calle d    XXXX   XXXX   to find out it was due to our escrow account the taxes portion. For  XXXX  our home was listed as an income property which made the taxes to up significantly by  XXXX . On    XXXX   XXXX   XXXX   I went to  the tax accesor office to correct this issue. I received a copy of the corrected tax amount with my tax number. I was advised to send the copy to ditec h Mortage to have this issue corrected as well to lower my mortgage to the correct amount. The amoun t copy was sent to ditech mortgage on    XXXX   XXXX   XXXX  . After speaking with the escrow department I was advised to give them 21 day 's to correct th is issue as well for the month of  XXXX  I will still have to pay the {$1800.00}. Which I paid on time. Now for the month of  XXXX  this issue almost 60 day 's later has still not been resolved. On    XXXX   XXXX   XXXX   I  contacte d Ditech Mortgage a gain regarding this issue. Also sent the exact same paper again dated  XXXX   XXXX ,  XXXX .  Currently Ditech M ortgage wants another 21 day 's to correct this same issue. Financially I am in able to afford to pay another an extra {$620.00} For a third month. I have attempted to speak with management in the escrow department 3 times. Which no one is ever available to speak with. I have requested and waited for a return call back fr om Management and I have not received one. I have also contacted the county as was advised that a check has been sent to Ditech  regarding the over payment dated    XXXX   XXXX   XXXX  . I   gave  ditech Mortgage the check number, bulk amount and as well as the amount that was issued for my account.
Consumer complaint received 2016-02-28
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: Fidelity National Information Services, Inc. (FNIS) (AR)

My husband and I tried to cash a check from the XXXX XXXX XXXX XXXX ( my husbands work credit union ) at XXXX on XXXX/XXXX/2016. It was declined. I came home and called the credit union and they assured me that the check was good. We tried again at XXXX ( our bank is closed on Saturdays ), again the check was declined. I have called Certegy customer service over and over again. I have never spoken to a live person. All I ever get is a recording and then I am put on hold. Endless hold, for hours at a time. My husband and I never write checks, we use a debit card all the time. The only thing that I can figure out is that we do n't meet Certegy 's criteria, because we do n't write checks. What in the world does that have to do with us cashing a check?? This seems terribly unfair to me that we are being punished and unable to cash a check at a business that offers check cashing just because we do not write a lot of checks. It is horrible that they can decline to cash your check and they do n't have to tell you why. This seems illegal to me.
Consumer complaint received 2020-09-01
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. (TX)

2 new derogatory accts by debt collectors on my credit report. I have no knowledge of the debt .... could not get anyone to prove this is not a scam. Got no response to prove original creditor and contact only to debt collectors. XXXX XXXX Tx. Is well known to the better business bureau and listed D+ rating due to scams and consumer complaints. XXXX XXXX is another one same story. I am trying to purchase a home and my credit rating has now dropped 100 points ... .. The dispute process with XXXX IS SO DIFFICULT, I feel helpless to deal with this issue and get it off my credit.
Consumer complaint received 2017-01-24
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

COLLECTOR SERVED FRIEND NOT ME IN VIOLATION OF FDCPA, WENT ONTO MY CREDIT AS AN INVALIDATED DEBT LISTING IN VIOLATION OF FCRA, MADE XXXX CALLS TO FAMILY MEMBERS IN VIOLATION OF TCPA! ( HAVE VOICE AND RECORDS.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (CA)

Hello!, On Wells Fargo website, there is a description for Visa signature credit card that claims it provides some extra features such as travel insurance. And extended warranty. 

XXXX XXXX XXXX XXXX cancellation Based on this information, I applied for Wells Fargo active cash credit cards which has the Visa signature symbol printed on it, assuming it provides the features written on the web page I sent the link above, for my travel plans. 
But when I had an emergency and had to cancel a part of my trip. I called Wells Fargo and I was shocked when they told me my credit card doesn't have trip cancellation. 
When I provided the website and the image of my credit card with Visa signature label on it.

Their answer was that they had a credit card named Visa signature that had this extra features. and that web page is only for that specific credit card. When I asked where can I get the information about Wells Fargo Visa signature credit card. They claimed that it was not available anymore.

In other words, even though my credit card has the Visa signature stamp on it, it is not considered the card that Wells Fargo website advertise as Visa signature card.

This is completely deceptive, I only applied for this credit card for its feature that is advertised in Wells Fargo website. But Wells Fargo claims that information is not for all Visa signature credit cards, but only for a specific one that is not being provided anymore.
Consumer complaint received 2020-09-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2015-05-11
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (OH)

I opened a Lowes credit card in XXXX 2015. They contract their cards with Synchrony Bank. My XXXX payment of {$42.00} was due in XXXX. I made a phone payment got a confirmation number. Three days later I got a call from the bank about my payment. Called back was told payment was received. Happened again. So XXXX times I was told payment received. They I get my XXXX statement showing payment was n't received and a late fee and the payment was {$180.00}. So $ XXXX {$84.00} which I sent and a letter saying there should be no late fees since I made and was told XXXX times it was made. Even with a late fee {$84.00} & XXXX is {$100.00}. XXXX statement arrives and again a late fee and a payment of {$.00} I send {$100.00} with another letter stating there should be no late fees. They declined my request. So XXXX statement arrives and they say my payment is now {$320.00} How in four months can my payment go from {$42.00} to {$320.00}. They keep saying there 's a past due amount of {$160.00} I have made all 4 monthly payments and wrote numerous letters every month. What is this {$160.00} for? I checked your web site and seen other complaints with this bank about phone payments. I will be also writing a letter to Lowes letting them know I will never shop in their store again. My credit is ruined I 'm sure because of this bank. I want ALL FEES taken off this account. I do n't even know what it 's for either. I made the payment was told XXXX times it was made. THEIR fault. I even talked to a person and was told this.
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

THIS COMPANY IS REPORTING FALSE NEGATIVE INFO ABOUT ME TO COMPANIES AND DECLINING CHECKS I WRITE TO COMPANIES THEY WORK WITH. WHEN I CALL TO GET TO THE BOTTOM OF THIS, I 'M BOUNCE AROUND, TREATED RUDELY AND INSULTED. I have contacted this company many times and provided information time and time again. They are very rude, uncooperative, insulting and insensitive to the problems they are causing by distributing slanderous and defamatory and false negative information to companies. They do n't care about anyone but themselves. There are virtually hundreds of websites dedicated to how horrible these people and company is and how many people they have done this too. 

Here are a fewhttp : XXXXThis site talks of this company being fined XXXX XXXX dollars for Fair Credit Act violations. 

https : XXXX
Consumer complaint received 2022-02-15
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: Merchants and Medical Credit Corporation, Inc. (MI)

Merchants and Medical has placed XXXX medical billson my credit report and I have asked them several times for validation of these debts toshow that they have my permission to have my personal medical information which they sent me a detailed statement which is violating the Hippa Law