davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo continues to authorize debit charges on my account when there are not sufficient funds then charges me overdraft fees. I did not request for any overdraft protection. I bank with several other institutions and they do not authorize charges when the funds are not available. I called and spoke with Wells Fargo practice and they claimed this is what they do. They " assume '' the funds will be added to the account and therefore allow the charges to be authorized. This does n't make any sense whatsoever. In fact, they are not even consistent with this practice as some of the charges were not authorized at all ( attached bill - usually paid from my WF account but was n't authorized ). I feel these practices are unfair and WF attempt of making a profit by authorizing debit charges especially on transactions that are less than the {$35.00} overdraft fee I 'm being charged. These practices need to stop.
Consumer complaint received 2017-10-07
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)

I requested my credit report from Equifax and Experian around XXXX XXXX, XXXX. In the reports from Equifax and Experian, I found several mistakes : 1, In both, there are two XXXX credit cards but only one is actually mine. 
2, In Experian, there are two reported names but I only use one name. 
3, In both, there are several addresses that I have never lived in. 
4, In Experian, there is also a phone number that I never heard of. 
The firs issue terrifies me. I called XXXX XXXX XXXX and they confirmed that there is only one card associated with my social and name. Somewhat relieved, I filed two disputes with Equifax and XXXX in hope that they can figure out this mistake. I was pretty sure this is due to mistakes of Equifax and XXXX  because that credit card did not even appear in my XXXX credit report! 

However, when I received the dispute results on XXXX XXXX, XXXX, I was shocked. Both companies told me that they thought the report was accurate and the XXXX credit card that is not mine will remain in my credit report. 

So I called XXXX XXXX XXXX again yesterday ( XXXX XXXX ) and they ( very helpful and friendly ) confirmed that I only have one credit card with them and I am not a co-signer/co-borrower/guarantor for any other accounts. However, they can not take further steps to investigate this issue because I can not provide them the full account number of that suspicious credit card. I could only see the partial account number, not full account number in my report. Unless experian/equifax provided me the full account number of that suspicious credit card, XXXX can not do anything at that point. 

Thus, I called Experian today to ask for : 1, Full account number of that suspicious XXXX credit card. 
2, If that 's not possible, I want to have more information about the reinvestigation on how they conclude that credit card, which is clearly not mine, should remain in my credit report. 
But the customer service was not helpful at all. He first said he can not provide me the full account number. Then when I asked him to explain the reinvestigation process, he became super rude and avoided answering my question at all. Instead, he kept telling me I need to contact XXXX to solve the problem, not XXXX. When I asked him what is his name and employee ID, he hung up my call without a clue. 

Therefore, the current situation is a deadlock to me because XXXX/Equifax would not fix the obvious identity theft problem in my credit report and XXXX will not be able to help me unless I provided them with full account number which I can not get from XXXX/Equifax.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

Yes Wells Fargo owes me on two credit card accounts I have called and demanded a refund to my checking they also mischarged a XXXX  fee on my platinum savings after j requested it to be closed. I demand my savings be closed and refunded XXXX dollars and all my credit from my credit cards be sent out a check or deposit it into my checking account also there practices of horrible customer services with XXXXXXXX XXXX XXXX  needs to improve you dont yell at your customers
Consumer complaint received 2017-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have had a Capital One Platinum MasterCard through Capital One Bank, which I believe is owned by Capital One Financial Corp. I applied for the card because it had no annual fee. For years I did n't use my card at all despite having no annual fee. Months ago Capital One tack a " monthly fee '' of {$5.00} onto my card effectively raising my already high APR on the card. I called Capital One over a week ago and asked to have the monthly fee removed. The young man I spoke with said that " Because the fee is a monthly membership fee and not an annual fee, he could not remove it. '' This monthly fee seems like a sly way of not only raising my APR but also putting an annual fee on my card but in such a way that Capital One employees are not authorized to remove it. And why is it called a " monthly membership fee ''? What did I become a member of?
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MA)

I had a Credit Card with XXXX XXXX XXXX  XXXX. The service was terrible and the interest usurious. I paid the balance in full after a long stay at a medical facility. Human error misplaced the payment as a debit rather than a credit. When they called, I explained this to the representative who fought with me. I stopped communicating and never heard another word. 

Apparently the Credit Card representative could not understand my factual response and the debt was sold to Midland Credit for collection, who hired a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) to pursue. I contacted the Law firm, explained the situation and filed a dispute. The attorney promised to inform his client with the paperwork I provided, clearly stating I was correct, but nothing happened and the debt remains under " Collection '' on my credit reports, lowering my FICO score.
Consumer complaint received 2021-07-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (AZ)

Early XXXX - I began searching for a lender early XXXX through XXXX and on my own. 
XXXX XXXX - Contacted by unknown LoanDepot representative on XXXX XX/XX/XXXX XXXX - Contacted by loan officer at LoanDepot on XXXX XXXX for " special rates '' XXXX XXXX - Submitted soft credit application on XXXX XXXX to obtain credit worthiness and rates XXXX XXXX - I provided a home value estimate according to XXXX, $ XXXX, loan officer put $ XXXX XXXX XXXX - Directed to sign welcome documents XXXX XXXX - I was not provided an option for Rate lock and was directed to sign Loan Float as only option. 
XXXX XXXX - Provided requested financial statements XXXX XX/XX/XXXX XXXX - Provided notice that my wife 's name was mispelled on the original title to prevent complications and notify to work issues. 
XXXX XXXX - Received conditional loan approval XXXX XXXX - Received notice to confirm vesting name/statement XXXX XXXX - Notified Processor of name error and provided correct name/statement XXXX XXXX - Received 1st closing disclosure documents with incorrect name ; initial {$25.00} XXXX - Received 2nd closing disclosure documents with incorrect name ; revised {$25.00} XXXX - Notified LoanDepot that the name was still incorrect and that disclosures for my wife were coming to me instead of her. 
XXXX XXXX - Received 3rd closing disclosure documents with correct name, revised {$29.00} XXXX - Notified LoanDepot I would be geographically separated from my wife, so I would need to schedule signing before XX/XX/XXXX XXXX XXXX - Received 4th closing disclosures ; $ again revised XXXX XXXX - Received 5th closing disclosures ; $ again revised XXXX minutes apart ) XXXX XXXX - Notified via voicemail of the option to sign with notary XX/XX/XXXX or XX/XX/XXXX XXXX XXXX - Contacted loan processor to schedule notary on XX/XX/XXXX ; loan processor said I could not schedule for XX/XX/XXXX because closing disclosures were not signed. 
XXXX XXXX - Notary arrived at home for wife to sign ; notary unable to explain details of Closing USA docs, wife signed title docs, notary left XXXX XXXX - Notary arrived at separate location for husband to sign ; documents did not match ; notary unable to answer on behalf of Closing USA ; documents unsigned ; notary left
Consumer complaint received 2017-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Credit card issued, then suddenly canceled within less than one month of use for no reason. I have paid for the charges made on the card but refuse to pay the ridiculous fees for the banks error of issuing the card and closing in 3 weeks! Final statement was never issued and instead late payment reported to credit reporting agencies. Damaged my credit significantly from mid XXXX to XXXX and horrible customer service at XXXX/ Bank of America !
Consumer complaint received 2019-05-21
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX****
Consumer complaint received 2022-01-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION (MD)

The company First Home mortage completed an escrow analyst in XX/XX/2021 informing my account was short. I explain the shortage was the property taxes. The taxes had already been paid. I submitted proof to them via email as they instructed from tax and assessment. I had to call them every day because they refuse to run the new analysis to calculate the taxes being paid. 

I need the mortgage company to account for the tax payment and return my payment to its original amount.
Consumer complaint received 2022-01-06
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. (FL)

XXXX XXXX XXXX XXXX XXXX- ACCOUNT NUMBER : XXXX CHARGEOFF Amount {$0.00} Bureaus : XXXX I've been trying to fight with XXXX and experian for months, first letter I asked them to verify the alleged account which had a balance at the time of disputting or delete the account, then they sent a letter they updated the alleged account to {$0.00}, then i sent a letter again asking how they were able to verify the account on XX/XX/30, they never response back to me.
Consumer complaint received 2017-10-07
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)

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-11-18
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)

On or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX someone with an intercepted copy of my XXXX  Driver License was able to pay cash at the Federal Bankruptcy Court Clerk window to file three skeleton chapter XXXX cases without ever listing a single creditor. As I was not aware of the filings I never completed the documentation necessary and each was Dismissed and Closed without any creditors even notified. I was having financial difficulties at the time and would have utilized the filings to fix my status but as they were not filed by me I was unaware. 

I disputed this information with the three major Credit Reporting Agencies who of course violated the FCRA by not validating my concerns with the original credit furnisher but rather a third party not involved with this dispute. I was then recently told by law enforcement to file an affidavit with the Federal Trade Commission as a victim of identity theft during this non sensible event. 

US Bankruptcy Court XXXX case numbers XXXX, XXXX and XXXX are all completely bogus. No dollar amounts, nobody benefitted and only I have been harmed. I also had a direct conversation with the Clerk of the Court who stated he has never had a Credit Reporting Agency call to validate a case and that his court would never do that with a third party either. Please contact XXXX XXXX at XXXX as the Clerk to verify this info.
Consumer complaint received 2017-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (NC)

I have a payment arrangement on file with Procollect Inc, however the company refuses to give me a invoice or a receipt to confirm my payments. I received a letter in the mail from ProCollect about debt I owed from an apartment that I moved out of in XXXX 2016. I called ProCollect and spoke to XXXX XXXX XXXX at XXXX XXXX to see what was going on and she explained to me that there was an unpaid balance of {$3000.00} & {$560.00} from this apartment. I told her that I am willing to make a payment arrangement. I made a payment over the phone with my debit card in the amount of {$300.00}. I then asked XXXX XXXX for a invoice or receipt to confirm my payment and payment arrangments. XXXX XXXX raised her voice and told me that unfortuntaley ProCollect dosent not offer any recipts for confirmation of payment until the account balance is paid in full. XXXX XXXX was very rude and disrespectful and she told me to have a nice day and hangs up the phone.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NC)

the Credit Reporting Agencies are showing a judgement for treatment at hospital. I have NEVER been treated at XXXX 's XXXX XXXX ( Hospital ) and I provided them with evidence to proving that the debt does not belong to me. I pay my bills on time and have good credit other than this judgement. I need the CFBP to assist me to get this off my credit, it 's a terrible that the Credit Reporting Agency are allowed to report information that WRONG. They should not be allowed to have such a terrible impact on Responsible Consumer lives. I am relying on the CFBP to assist me to get this resolved. 
Thank you in advance for your assistance.
Consumer complaint received 2017-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (SC)

DIVERSIFIED CONSULTANTS INC reported to my credit report XXXX XXXX XXXX. After purchasing the debt ( {$1200.00} ) from a collection agency ( XXXX XXXX XXXX ) who was not authorized to report on my credit due to having invalid information. I was never notified to the debt being sold or my right to dispute. I understand I am supposed to have 5 days but I was given none. The original debt was from XXXX in XXXX with the amount of {$540.00} being owed. None of the information Diversified Consultants inc is reporting is accurate, along with the fact that I was never notified.
Consumer complaint received 2022-10-05
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 — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (CA)

I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (WV)

A credit card company fraudulently charged me for " account protection '' that I refused. Then they agreed to remove the charges, but charged me late fees for the unpaid balance that I disputed and they agreed to remove. They stated that they would not report me to the credit bureaus until the issue was resolved, but the have reported me twice as delinquent and owing a balance. I have two letters from them & multiple emails, stating that I have had a XXXX balance since XXXX 2017 and they 're still reporting me as late. This has caused my score to drop by over 100 points. They keep telling me it will be corrected, but the damage is done. I have disputed this with the credit bureaus, but they tell me to go back to the credit card company.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account SANTANDER with Account Number XXXX and a Balance : {$5200.00} is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you.
Consumer complaint received 2017-10-07
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. (FL)

Before all my accounts where absorbed by XXXX, they were deferred, so its Impossible that there was a late payment on XXXX 2015. Most likely what happened is that because of the big change from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I graduated, now its showing that I mysteriously had a late payment on XX/XX/XXXX for 90 days when until XX/XX/XXXX everything in good standing as well as XX/XX/XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an XXXX XXXX old baby, got seriously affected with XXXX XXXX, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
XXXX
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

Recently a credit card that was on my report for about 10 years was deleted off of my credit report. I am asking for this Item to be placed back on my report. 

XXXX Account XXXX Credit Limit {$1000.00}
Consumer complaint received 2022-09-10
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. (MD)

XXXX, TRANSUNION, and XXXX have violated all of these codes listed below : In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX and XXXX XXXX, has violated my rights. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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 3. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 4. 15 U.S.C 1692B Section 4 States : not to be communicated by post card 5. 15 U.S.C 1692B Section 5 States : not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt