davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IN)

XXXX of my student loan payment history is incorrect on all XXXX of my credit reports. It states I was 90 days late during the months of XXXX & XXXX when I had an active forbearance during these times. I submitted disputes via mail with all XXXX credit agencies 3 separate times since XXXX. Each envelop contained a dispute form with all XXXX student loan late payments errors listed, proof from XXXX confirming I had an active forbearance during XXXX & XXXX, & a copy of my drivers license. Conveniently, all documents were scanned except the proof from XXXX. They can not tell me what happened to that piece of paper, but they have the other items in the envelop. I am a single mother attempting to buy my first home and these errors are preventing me from being approved for a home loan. I do not have to money to pay an attorney to have these removed and I should n't have to, this is not my error. Please help me correct my credit report. Thank you!! P.S. I have proof if needed, but I did n't want to upload to this site since it stated not to disclose sensitive information.
Consumer complaint received 2016-10-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MD)

In XXXX 2016 I opened a checkings account at Wells Fargo Bank in XXXX, MD XXXX based on an offer for {$100.00} cash bonus for set up direct deposit within 2 months. I set up the direct deposit from my employer well within this 2 months time period but because processing time the first direct deposit showed up 2 months 25 days after opening the account. Wells Fargo clerk XXXX XXXX XXXX XXXX and Manager XXXX XXXX XXXX XXXX refused to pay the {$100.00} bonus even after I repeatedly pointed out that the language used in the bonus offer document states " set up direct deposit within 2 months of opening account '' ; it did not state " first direct deposit should appear within 2 months of opening account. ''
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

: THE INVESTIGATION HAS BEEN OVER 30DAYS. NO REPLY THEY MUS BE DELTED. 
. 
. XXXX XXXX and all accounts in bankruptcyMus be deleted no validation from the companies or from the Credit union
Consumer complaint received 2017-02-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I have auto payments and sound XXXX, they did n't try to pull the payment until XX/XX/XXXX and they are relying on the contract I signed discussing extra days for holidays may cause issues. I knew that and that is n't the issue. The issue is that they are purposely creating a loop hole in that contract to unlawfully obtain non sufficient funds fees or return charges they are n't entitled to. They do this by designing their web page to flag the consumer with red at the top that their " payment is currently past due. Would you like to make a payment now? '' And then a box that says " make payment ''. You click make payment and it takes you to the payment screen where it pre-selects that month because, again, the system is flagging the consumer for a late payment for that current month. I verified the month selected was XX/XX/XXXX as it was flagging me and made the madement. Absolutely no where on the web pages does it state that that payment iteself will take an additional four days to process, EVEN THOUGH IT WASNT A HOLIDAY, there is no information stating you ABSOLUTELY have to issue a stop payment for the regular scheduled payment that their own system flagged you as late or it will try to continually take both payments three separate times. They also do n't state that the system then decides for you where the funds will go instead of just cancelling the funds or placing them in the month you, the consumer selected, the system takes it and puts it where they want it and then continue to charge you for the month you attempted to pay twice. They owe me XXXX non sufficient funds return fees because their system is directing their consumer to do an action that they have policies and procedures against. ITS A TRAP TO UNLAWFULLY GAIN MONETARY VALUE THEY ARENT ENTITLED TO VIA INTERNET PROTOCOL. This is after they opened false accounts in our names to unlawfully gain monetary value they were n't entitled to and also after they initiated contact without requests ... how long are you going to allow Wells Fargo to rob American consumers?
Consumer complaint received 2017-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monarch Recovery Holdings, Inc. (NM)

Calls from Monarch Recovery from this phone number XXXX. I asked what this is regarding and they replied " Please verify your birthdate '' I said I will not give any info over the phone. They replied " We will contact you again at a later date. '' I have sent the company my XXXX credit report showing that I do not have any account in collections.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as my twelfth attempt and a subsequent follow-up to formally address the ongoing issue regarding my identity theft victimization. I hereby submit this complaint to dispute the inclusion of certain items in my credit file, specifically those resulting from the aforementioned crime. It is crucial to note that the contested items do not correlate with any transactions authorized or initiated by myself for the acquisition of goods, services, or monetary transactions. I respectfully request the removal of the aforementioned accounts and associated information from my credit file, as they are a direct consequence of an alleged identity theft incident. Enclosed with this complaint is my recently filed FTC report # XXXX for your reference and necessary action. The details of the disputed accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$2000.00} -- -- -- -- -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00}. These accounts are entirely unfamiliar to me, and I harbor significant doubts regarding their accuracy, particularly considering their deletion from other credit bureaus. The reported payment history associated with these accounts remains shrouded in uncertainty from my perspective. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, and pursuant to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expeditiously remove any items identified by a consumer as stemming from an alleged identity theft, not later than four business days following receipt of such identification.
Consumer complaint received 2016-10-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (VA)

First ; this bill has been on my credit report since XXXX. I would like to have it deleted from my credit report. Note previous credit report listing this account. 

Second ; as a resolution, I voluntarily returned the vehicle and requested and outstanding balance and detailed breakdown of costs ( profit/loss ), after the vehicle had been auctioned or resold. I requested this information XXXX. I received no response and the bill still remains at the same balance of {$3700.00}. A few years ago, they attempted to garnish my wages.
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I received the results of my dispute back from Transunion, but it doesnt look like they reviewed anything I sent them including the documentation I provided. Instead, they applied my Bankruptcy to ALL my accounts ; whether it was valid to do so or not. This includes accounts that are current, those that were paid off years ago, all Student loans- both paid off and currently due ( now showing as closed ) ; a judgement and mortgage loans that were not discharged but paid previous to the BKXXXX. I now have XXXX new erroneous key derogatory 's on my report because of this and even more serious items to dispute than the first time. I need your help in assuring that they correct the errors they 've created and actually investigate the items that I am disputing this time. Thank you.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CO)

I bank with Chase and have for over 10 years. The online bill pay used to work a bit differently- the funds were taken from your account when the recipient received the funds or cashed the check from Chase. Now funds are taken when the payment is made. I thought the funds were transferred electronically but that is not necessarily the case. My mortgage payment was made through online bill pay on XXXX/XXXX/2016, and over {$2400.00} taken from our account. When I received the XX/XX/XXXX statement from our mortgage servicer they did not show the XX/XX/XXXX payment had been received. I contacted them, went through the process of submitting information and waited for a response which took over a week, for them to tell me they needed a copy of the cancelled check ( I had originally submitted the only payment verification information available on Chase 's website ). I called Chase to get a copy of the cancelled check and was told after quite a bit of back and forth, that the check had not been cashed. Chase would apply a stop payment and the funds would returned to our account overall between processing, stop payment, etc. in 5-7 business days. 

Had I written a paper check the funds would still be in my account and I would have been able to easily see that my mortgage company had not received the payment. I could have simply made the payment online through their website to avoid late fees and any negative reporting on my credit. Now my mortgage payment will be 30 days past due and show on my credit because of Chase 's online bill pay process and because I do not have an extra {$2400.00} just laying around.
Consumer complaint received 2016-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account was closed and included in my 2009 bankruptcy. Show a XXXX balance and paid as agreed but still showing open with Transunion. I need this account to be fixed as closed. This is hurting my ratio of expensive with an extra balance who is incorrect.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My wallet was stolen a week ago and I have made several attempts to have a fraud alert put on my credit without any success. Every attempt I made to gain access has been futile. I keep getting a message saying " my request can not be processed ''. Not being able to put a fraud alert on my credit is putting my credit worthiness at risk everyday that I 'm not able to access my credit report to apply the fraud alert.
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP (TX)

Security Finance of XXXX, Texas has been calling me to collect a debt. They have called me numerous times at work. The calls started XX/XX/XXXX in which Security Finance contacted the Administrative Offices at my Job. I was sent Emails about these calls and warned about personal calls. The phone number was always the same number which is from Security Finance. XXXX, a man by the name of XXXX called me, a XXXX called me, XXXX called me. I received numerous calls and I asked the Security Finance not to be calling my job. They were sent a written notice in the mail XX/XX/XXXX. On XX/XX/XXXX, XXXX from Security Finance called me on my cell phone regarding the debt. I told her I did n't have any money right now and that I am pending a filing on the bankruptcy. XXXX said well, call me back to see if you can make a payment. I told her to make sure no one calls my job. This is the XXXX time I told this to XXXX. On XXXX, a call was made to my job after a notice was sent and Security Finance notified not to call me at my job. A young lady picked up the phone by the name of XXXX. She was very rude and stated that she did n't see any notes indicating I asked not to call my job. I asked to speak with a Supervisor. I spoke with a lady named XXXX and told her of the incidents. She claims they did not see the notes. Today, I was told that I could not get personal calls at work in Administration. I was verbally warned that if the calls continue, I would be written up and possibly fired. I feel that Security Finance has over stepped their boundaries of calling my job when told numerous times not to call. These type of calls have led to harassment type of calls. Security Finance 's excuse was that they could not get a hold of me which was a lie because I had just spoken with XXXX XX/XX/XXXX and they called my job XX/XX/XXXX.
Consumer complaint received 2016-10-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

On XXXX/XXXX/16 I returned signed and notarized loan modification documents in pre-paid XXXX envelope. I reached out to my home preservation specialist via email ( which is the best method of communication that I have ), on XXXX/XXXX/16 to confirm receipt. She advised me in her emailed response the the documents were not acceptable as the signature didnt match a previous signature. I reached out to her again via email requesting a detailed explanation as to what the problem was with my signature and requested a response in writing. To date, I have not received an explanation from Wells to ensure my understanding. Instead, I received a new loan modification package requesting that I call for an explanation. I did call, per my availability and left a message as it was outside of their business hours. I received a returned call from my specialists advising that I should call her as she was unable to reply to my email. These secured emails were initiated from Wells so one would reasonably assume that if there was a problem then a simple resolution would be to start a new email chain. I have made it clear to Wells that it puts my job in jeapordy to have phone calls with them during my work day and while it seems like a viable alternative that I call on my lunch or break - that is not an option for me. I returned the new package and used a signature that included the complete spelling of my name as opposed to my first initial and last name which is the sinature I use for everything.
Consumer complaint received 2020-03-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$0.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNTS -- 2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.
Consumer complaint received 2015-07-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (MN)

I have been banking with Wells Fargo for a number of years and they refuse to increase the amount I can withdrawal from the ATM. Since I opened my account I have only been able withdrawal {$310.00} per day. This limit is too low, especially with me being a long time customer. The website states to speak to a banker or call to have the limit increased however whenever I visited the branch XXXX XXXX to have my limit increased to at least {$500.00} the banker told me it is impossible to increase my limit. Are you kidding me?? Is it because I am a XXXX man or because of how I look automatically keep me with a lower card limit?? I have been married to my wife for 13 years and we go to work everyday to help improve our way of life. Also my wife works XXXX, and has been there for over 10 years, so I know its not impossible to increase my card limit. The banker did n't even check on anything he just automatically said no. Is it because at the moment my account balance was not what he wanted to see?? Also why even have the option on the website if your not able to do. I have had so many issues with Wells Fargo and I normally do not complain but this is the last straw. Even direct deposit cards have a higher limit than that. I really enjoy banking with Wells Fargo but I am really considering switching to another bank. All I want is my card limit increased for ATM to at least {$500.00} given that I have banked there for many years. Is this too much to ask??
Consumer complaint received 2016-01-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (WA)

XXXX Regarding above complaint ; after months of fighting, Wells Fargo forgave the debt and XXXX out my account and closed it. Months later, I started receiving collections calls for more than {$1400.00}. 
I have been what seems as duped into believing that this company had rectified this error on their part and instead just moved the debt to another are of the company to try and retrieve. 
Please tell me how I may fix this once and for all and move on from this nightmare. 
Supporting document will be uploaded asap.
Consumer complaint received 2020-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The account from XXXX XXXX for the amount of {$1300.00} was investigation and the Credit Bureau removed the account because the information was not valid.. Sometime passed then the account was back on my credit report ... In which it was disputed and removed again. This account not valid. This account has been removed from my credit report then place back on several times.
Consumer complaint received 2016-07-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (AK)

XXXX and Wells Fargo repeatedly attempted to charge late fees and service fees. The loan was supposed to be XXXX percent interest over two years. The account was setup to pay the monthly payment on auto-pay, which worked for a time and then stopped working even though funds were available. They attempted to charge my account the full amount due along with late fees. All late fees were reversed, but this happened multiple times after I was assured it was fixed. Now the account is closed and I am no longer allowed to schedule repeating payments. I have paid the off the balance of the account and no longer owe them but feel that the entire scheme was designed to steal extra money and they should be held accountable.
Consumer complaint received 2021-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 5 accounts and 3 inquiries that are on my credit report that in no way belong to me I was surprised when I saw this I need this taken care of please since the bureaus are not very respondent and they are not helping me after multiple letters and disputes regarding this. 

XXXX XXXX XXXX - Acct # XXXX {$22000.00} XXXX / XXXX - Acct # XXXXAmt {$710.00} XXXX XXXX XXXX -Acct # XXXX {$8400.00} XXXX XXXX- Acct # XXXXAmt {$0.00} XXXX/XXXX- Acct # XXXXAmt {$0.00} Inquirires XXXX/XXXX - Inquiry date : XX/XX/2019 XXXX/XXXX - Inquiry date : XX/XX/2019 XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2019 XX/XX/2019
Consumer complaint received 2016-09-25
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pro Com Services of Illinois, Inc. (IL)

In annual credit report a Pro Com Services of Illinois appears in XXXX XXXX XXXX XXXX entries and representing XXXX XXXX. The entries are small ( - {$100.00} ). After contacting my healthcare providers there are no outstanding balances and zero balance due. In communicating with the XXXX XXXX, they have no knowledge of Pro Com of Illinois representing them in the collection of outstanding debt. 
In addition, I have received no communication of any kind from Pro Com. It appears these entries are invalid, fraudulent attempts to collect monies not due them.
Consumer complaint received 2021-06-06
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. (FL)

Filed a complaint regarding XXXX and their refusal to honor mandates. Received a closure regarding the accounts and that the are closed. XXXX and XXXX XXXX repeatedly reports on my credit report the accounts are missed payments. After receipt of the complaint results. Both are refusing to resolve the matter.