davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

My checking account was compromised by Wells Fargo. I began with a balance of XXXX. I drove to Wells Fargo e the with a friend because my mechanic charged me XXXX to fix my XXXX. As I gave the Teller my ID and Check she stated my account was XXXX XXXXXXXX. She said XXXX XXXX was paid and I never authorized Wells Fargo to steal my money. 
Then she said because my checking account Sat idle fees were assessed but these fees were a violation of my disclosure agreement. Because I made a written and verbal communication complaints. My checking account was closed with a negative balance. 
Therefore, because my Rights have been violated by Wells Fargo refusing to refund my monies that I didn't authorize I'm requesting punitive damages and investigation.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (NC)

I contacted this company at the start of XX/XX/2018 for collections found on my credit. I sent validation and I'm return I received a lease and a list of hand written damages. The lease was typed and was for an XXXX XXXX, which is not me. I responded to the company with questions about maybe my social or my ID. Because every apartment I've rented has taken copies of both. But received not answer back. It also looks like the lease was tampered with and dates were written over. Very shady!
Consumer complaint received 2016-05-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

In XXXX 2015 I contacted Navient to set up a reduced Payment plan for my monthly payments. The representative at the time was setting it up for 6 months to bring the account current and then the next 6 months to be paid on time. I had started receiving phone calls in XXXX informing me that I am $ XXXX passed due. I informed that I had a payment plan set up and should n't be passed due. After they investigated they told me that the representative back in XXXX did n't calculate the payments correctly. I had asked for them to correct it to show it not passed due, due to the fact that they had messed it up. They told they would not and that and can only bring the account current if I made the pass due Payment which was n't my fault.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting a balance on an account to my credit that should not be there. I paid this off a while ago and it should not be reporting a balance to my credit and it needs to be removed.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX # XXXX is reporting a balance on an account to my credit that should not be there. I paid this off a while ago and it should not be reporting a balance to my credit and it needs to be removed.
Consumer complaint received 2022-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2020-01-23
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. (UT)

XXXX XXXX XXXX # XXXX is reporting a balance on an account to my credit that should not be there. I paid this off a while ago and it should not be reporting a balance to my credit and it needs to be removed.
Consumer complaint received 2015-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (CA)

I had filed a dispute towards a collections company who was reporting along with a second company a debt of {$610.00}. I sent a letter of debt verification which they could not respond to. This debt was not mine, they removed it from my credit report already. Now this new company has popped up in my credit report, reporting the same exact information. 

I have no idea who this company is or why they are reporting to my credit reports but I will be sending a letter of verification and filling a complaint because I have no idea who they are. 

This was XXXX 's closure response : " The account was recalled by XXXX on XXXX/XXXX/XXXX. The account was submitted for deletion from the credit report on XXXX/XXXX/XXXX. 

However, since she has indicated that the account remains on her credit report, we have submitted an online manual deletion on XXXX/XXXX/XXXX. The XXXX reference number is XXXX. 
We believe that this will resolve this matter for this consumer. If you have further questions, please feel free to contact XXXX XXXX at XXXX. ''
Consumer complaint received 2020-01-23
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: AMERICAN FINANCING CORPORATION (OR)

I called American Financing on XX/XX/XXXX to inquire about their bank statement loan program as I am XXXX XXXX. I spoke with a customer service rep named XXXX XXXX who answered a few of my questions, but was told that I needed to speak with the loan officer for some additional questions to be answered. Towards the end of the phone call XXXX told me that I would be receiving a call from a loan officer the following day to fill out an application so that we could review my credit and standing. He then asked for mine and my wife 's SSN 's which I gave even though had doubts about needing that before filling an application. I spoke with another loan officer with a different company and he was able to tell me market rates on bank statement loans without me filling an application. I decided rates would be too high for an investment property so I gave American Financing a call back and spoke with XXXX XXXX. He started telling me about information on my credit report and when I asked how he knew this information he told me that they pulled my credit. Never once did XXXX ask for my authorization to pull credit and he specifically told me I would be filling out an app over the phone which I never did. I contacted XXXX and they told me that American Financing needs to show documentation that this was an error in order to be resolved. 

On the same day I filed a complaint with the XXXX XXXX XXXX I received a message from American Financing. They posted a fake written transcript of the call stating that I allowed them to pull credit. When I asked for an actual recording of the call to verify what they had written was true, I never received another message. 

I called them again on XX/XX/XXXX and asked to speak with XXXX the manager I first spoke with and still have yet to receive a response from him or the company.
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

First of all, I was notified that the Califor nia Tax Board had an  order to collect {$140.00} for registration fees. I was planning to catch up on those fees at the end of the month.       I started  XXXX  with a balance of {$49.00} the bank withdrew {$49.00} and left me with   XXXX   on  XXXX   XXXX .   I then had a service charge of {$25.00} for negative balance, ( which they caused )  XXXX   XXXX  they charged me with an overdraft fee of {$35.00} I then had an auto payment of {$19.00} I then had an auto payment of {$2.00} I was left with a negative balance of {$57.00} I believe that there was no court order for the amount of {$49.00} therefore Bank of America 's actions were in error.
Consumer complaint received 2022-03-03
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)

Regardless of my written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2017-06-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (IL)

I took out a {$400.00} loan with this company. The first payment was {$80.00} and every week since {$60.00}. They have more than recouped their {$400.00} already. They have me paying this {$60.00} every well up into  XX/XX/XXXX . Today is  XX/XX/XXXX . I will have paid over {$3000.00 } (  775 % ) for a {$400.00} loan. This is absolute robbery and I need help getting out of this.
Consumer complaint received 2022-09-07
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: SYNCHRONY FINANCIAL (TX)

SYNCB/AMERICAN EAGLE has been on my credit report since XXXX XXXX. 
Closed, never late and paid in full. 
Have attempted to have it removed several times, it keeps showing on my report.
Consumer complaint received 2022-03-03
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)

Regardless of my written request, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : 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  ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-03-03
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. (NC)

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 2022-01-07
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. (FL)

My name is XXXX XXXX and I'm trying to fix some inaccuracies on my credit reports, for the last few years I haven't been looking at it but I have recently noticed things on there that are not mine. I googled how to fix this and I created a report with identitytheft.gov and have my my ids and the report it created in this mail please look at it and fix what isn't mine.
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

Webster Bank advertised a {$350.00} bonus for opening a checking account by XX/XX/XXXX  and making a payroll direct deposit by  XX/XX/XXXX . I opened my account on XX/XX/XXXX , and a payroll direct deposit occurred on  XX/XX/XXXX . The terms of the promotion stated that the {$350.00} bonus would be deposited by  XX/XX/XXXX , but that did not happen.
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On  XX/XX/XXXX , I sent a secure message to inquire about the bonus, and was denied because I supposedly did not have a payroll deposit to the account. I replied pointing out the payroll direct deposit on  XX/XX/XXXX  from my employer, and on  XX/XX/XXXX , was told that I would hear back after more research was done. Today is  XX/XX/XXXX  ( over 2 weeks later ), and I have heard no additional information.
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TN)

I'm in receipt of a Shellpoint trial mortgage modification agreement dated XX/XX/XXXX. 
I received this document by mail XX/XX/XXXX. The agreement doesn't provide the terms of the agreement, such as the mortgage payment excluding the escrows for property taxes, insurance, interest rate and number of years the mortgage is being modified. I called Shellpoint several times I spoke with XXXX XXXX, and XXXX XXXX, customer service they advised I wouldn't know the terms of the loan modification until I complete the three trial payments and they refused to transfer me to the loss mitigation dept. or transfer me to a Supervisor. There is also a pending property foreclosure sale for my property set for XX/XX/XXXX
Consumer complaint received 2017-06-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

"  XXXX  '' from Nissan Motor Acceptance Corporation called me on  XXXX   XXXX ,  2017  initiating the call at  XXXX   XXXX  registering on my voicemail at  XXXX . He called me on my cell phone that is registered with them and caller ID registered him as calling from  XXXX   XXXX   XXXX .   XXXX  I have been having a hard time keeping up on my bills since I have been hospitalized so many times the past year and in  XXXX  of last year  XXXX  did the same thing to me! My area code and physical location are both in California-I have not been traveling,  Nissan  broke the law again in calling me before  XXXX .
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2022-01-07
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. (FL)

My name is XXXX XXXX and I'm trying to fix some inaccuracies on my credit reports, for the last few years I haven't been looking at it but I have recently noticed things on there that are not mine. I XXXX  how to fix this and I created a report with identitytheft.gov and have my my ids and the report it created in this mail please look at it and fix what isn't mine.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (NY)

I recently pulled my credit report and noticed a collection that I did not receive notice from mail or phone call from XXXX. I called customer service about the account and the automated system notified me that my account was being handled by Diversified Consultants Inc. I have not received a phone call or letter in the mail from Diversified to discuss my account. The account is on my XXXX and the acct # from XXXX is XXXX and was last reported in XX/XX/2017 2017
Consumer complaint received 2018-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION (TX)

The BBVA Compass bill pay service failed to deliver a payment by a scheduled date of XX/XX/XXXX resulting in late fees with my apartment complex. OnXX/XX/XXXX, I submitted a scheduled payment into the BBVA Compass bill pay system for delivery by XX/XX/XXXX, before the daily cutoff time for processing on the next business day. For some unknown reason the BBVA bill pay system did not process the payment on the next available business day, which was XX/XX/XXXX. The payment instead processed on XX/XX/XXXX, and due to this delay in processing the payment was not delivered by the scheduled date of XX/XX/XXXX. The payment was finally delivered on XX/XX/XXXX, which resulted in a {$35.00} late fee being assessed to my account, ( {$25.00} for XX/XX/XXXX and {$10.00} for XX/XX/XXXX ). 

I then contacted BBVA Compass Digital Services support to let them know about the missed due date and to request a refund of the late fee. I was asked to provide XXXX XXXX, a manager with the company, documentation from my apartment manager detailing the issue. In the document my apartment manager clearly described the late fee, why I was charged the late fee, what my rent due date is and the grace period for the balance to be paid by. Rent due date is the XXXX of each month with a 3-day grace period, and late fees begin accruing on the XXXX. 

However, after reviewing the information, XXXX XXXX stated the BBVA Compass bill pay delivery guarantee is based on the actual due date of the bill and does not take grace periods into consideration. I find this statement misleading and confusing. First, how would BBVA Compass know what the actual bill due date is without the customer first telling them what it is? Second, there is nothing in the BBVA Compass bill pay system that lets you specify the actual due date for a bill payment as you can only set a scheduled due date for delivery. Anyway, she went on to state I was at fault because the payment was scheduled too late for it to arrive on time, and BBVA Compass will not refund the {$35.00} late fee to my account. 

My position in this matter is that the BBVA Compass bill pay system failed to process my payment in a timely manner and failed to deliver my rent payment by the scheduled date of XX/XX/XXXX, regardless of the XX/XX/XXXX due date set by my apartment complex.
Consumer complaint received 2017-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (MN)

Chase has security policies and rules that are so strict they actually render their attempts at security less effective. I have 16 years of   XXXX   XXXX   and have 100s of passwords I need to know. The only way I can remember them all with out writing them down is to have a formula. Chase 's rules break my formula and actually they are the most restrictive rules I have ever seen which means several variations my formula that I commonly use do n't work. That means the only way I can remember my password with them is to write it down. Any beginner in   XXXX    knows that is the worst thing you can do.
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Once I got past the password fuss they asked me for my personal bank accounts username and password so that I could do an ACH transfer to them. In this day with companies getting hacked all the time Chase is doing their customers a huge disservice by asking for this. This is NOT something anyone should ever do. I have a wallet full of cards and accounts I make payments to by ACH. NO ONE has ever asked this from me. The only other option is to have several deposits made in to my bank account. The only one that has ever asked that is PayPal.
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The bottom line is Chase is not making their system more secure. Its making it less secure and harder to use.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NC)

I have a business credit card with my name as guarantor. In XXXX, I sold my business and worked with my attorney to draft and send Articles of Dissolution to my creditors asking for repayment restructuring. These letters were mailed to creditors in early XXXX. My attorney instructed me not to make payments to the account, as the account with tied to the business. 
Today, Chase reported the delinquency to my personal credit report without ever contacting me directly to remit payment or discuss resolution. I immediately paid the account balance to get the account to current, provided copies of the letters drafted by my attorney, and asked for the account to be closed, and adjustments made to the Credit Bureau to clear my personal report. Their lack of communication caused a XXXX point drop. 
I am in the midst of refinancing my home to help pay off the debts I owe from the business ( including the debt owed to Chase ), but this negative reporting will be detrimental and eliminate me from being able to refinance. 

I am trying to avoid bankruptcy and need this to be removed in order to have a chance at paying off my debts and staying financially healthy. 

Thank you in advance! 

XXXX