davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
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: Experian Information Solutions Inc. (LA)

Experian Credit Company is operating unlawfully by promoting products to increase your credit score that will earn Experian extra money. This is a conflict of interest and clearly demonstrates that they are operating unfairly and punishing those who opt out of their fee for service options. In addition, they are offering a boost to your score only if you provide confidential banking information to them. It is not possible to obtain this boost unless you provide bank routing and account numbers to Experian, which places this secure information at risk. My credit score continues to be low because of these acts by Experian even though I have a 32 year history of never paying a bill late, have an income to debt ratio below 35 % and have no negative reports from anyone concerning my credit worthiness. Experian 's actions to suppress my credit score because I refuse to sign up for their fee for service programs have cost me thousands of dollars in extra interest.
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

This complaint documents my experiences with Wells Fargo bank regrading a VA mortgage loan in XXXX 2008. I write this complaint to show that Wells Fargo practices of forcing unwanted accounts on consumers goes further back than originally reported. My application was filed and processed in XXXX XXXX, TX during XXXX 2008 for a primary home in XXXX XXXX, Texas. There were no issues with the approval or loan processing until after closing on XXXX XXXX, 2008. I am a XXXX XXXX veteran and was receiving XXXX XXXX compensation as a direct deposit to my XXXX Bank checking account. I used employment earnings to pay the mortgage from another bank checking account and I used the XXXX checking account to pay-off credit card debts. However, my XXXX 2008 XXXX XXXX check was not deposited to XXXX Bank as it had been for many years, and I received an overdraft notice from XXXX Bank. It took many phone calls to XXXX Bank and the XXXX to learn that my XXXX XXXX check was deposited to a Wells Fargo checking account I did not authorize and did not know I had. The Wells Fargo account was opened without my knowledge or consent and my XXXX XXXX check was diverted from XXXX Bank to Wells Faro Bank by person 's unknown at Wells Fargo to this new account without my knowledge or consent. It took two months for the VA to process another direct deposit request and return my XXXX check to XXXX Bank. The bogus Wells Fargo account showed up on my credit reports until I partitioned Wells Fargo Bank to close the account and remove records from my credit reports. This loan has since been paid off and the property sold.
Consumer complaint received 2021-02-20
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: BAM Management US Holdings Inc. (PA)

I put in XXXX dollars last year thinking I would use it, but did not and I went on Binance site to withdraw the money to my bank since I wired the money from the bank, on their site withdraw does not show anything and the XXXX That I put in so I asked them to send me a check well they do not send checks so the XXXX is just sitting there and I can not get it out because it does not show up, I'm going to go to Binance and tell them To do the web site over to show the withdraw but if they did not fix it by now they never will. that's how they have a lot of money they keep everyone money that they can't get it out. If I would have known I could not get the money out I would have never put it in
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (CA)

I had several store cards that were issued and serviced by Comenity. These accounts are now closed, and the remaining balances are being paid through a debt management program ( DMP ). I have been making regular and timely payments on these accounts for over a year. Recently, on XX/XX/2020, I called to request payment deferments for these accounts. Though payment deferments are being offered to customers with Covid-related financial hardship, I was told I was not eligible because my accounts are being handled via a DMP. The customer service agents politely informed me that I could choose to not make the payments anyway, but in doing so I could incur late charges and adverse credit reports for the late payments. 

Such policies penalize customers most in need. A payment deferment of 1-2 months would enable me to resume regular payments after I've had some time to find replace some of my lost income, and avoid actions ( e.g. late payments or bankruptcy ) that could further harm the credit I have been working to rebuild. I am filing this complaint in the hopes that Comenity will reconsider their policy and extend the deferred payment benefit not just to me but all interested clients with Covid-related financial hardships irrespective of whether payments are being made via a DMP.
Consumer complaint received 2021-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo Savings account had {$500.00} removed on three separate occasions for a total of {$1500.00}. Wells Fargo had temporarily placed {$1500.00} in my account while they investigated. Wells Fargo informed me they are taking back the {$1500.00} on XX/XX/2021 from my Savings account. This theft occurred on XX/XX/XXXX, XXXX, and XXXX 2021. It was removed by a Wells Fargo money transfer system called " XXXX XXXX XXXX ''. I did not request or set up. Wells Fargo XXXX account. I did not transfer any money to anyone. Wells Fargo investigated and determined that I authorized these transfers. I never heard of XXXX until I was scammed. Wells Fargo allowed this to happen without my knowledge. I'm a XXXX veteran and XXXX XXXX XXXX and {$1500.00} is a lot of money to me especially in these times. I notified Wells Fargo fraud department immediately when I saw the transfers. Wells Fargo says it will take 30 days to send me the paper work stating what their investigation revealed. I don't believe Wells Fargo made much of an attempt to investigate this problem since this isn't much money to them. 
I can't understand how Wells Fargo sets up programs, without a persons knowledge, to allow transfers of money to happen. Wells Fargo encouraged scammers or stole the money themselves.
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

This about an AMEX business card. One of my employees was given a card for business purchases in XX/XX/XXXX. I discovered she was using this card for personal items and misrepresented herself. I closed the account in XX/XX/XXXX when I discovered the misuse. I reported this to AMEX and they closed her card and investigated {$21000.00} in fraudulent charges that were used for her personal use. They credited my account but in XX/XX/XXXX they recharged my account stating that since, it was a business account and I gave her a card, they were not responsible. Subsequently I submitted the information to the District Attorney and they prosecuted her and she is now in XXXX  due to XXXX XXXX  and XXXX XXXX. I told AMEX that the legal system takes time and paid down some of the debt but wanted to freeze any other payments. AMEX did not care and they sent the debt to collection. XX/XX/XXXX I re-opened the fraud case with AMEX and they requested information from the district attorney which she gave to them ( this includes a letter from the perpetrator admitting her guilt ). They said they would let me know in 30 days and I still have not heard any information from them as of XX/XX/XXXX. They offer no protection to me despite the government and legal system corroborating the criminal misuse of my credit card with AMEX.
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I made a payment on XX/XX/XXXX which were delivered on XX/XX/XXXX. Normally it would take at most one day for them to post, i.e., it would normally be posted on XX/XX/XXXX. However, they posted it on XX/XX/XXXX. The payment due date is XX/XX/XXXX. I even called Amex on XX/XX/XXXX to discuss this and they told me to at least make a minimal payment on XX/XX/XXXX and call back later when the interest charge is posted so that they can refund me. I called them today and they said they can not because I have a history of late payment, which, to my best memory, I made the payment on the payment due date at XXXX XXXX. This violates their regulation that I have to pay it by XXXX XXXX on the payment due date so I was considered as late payment. 

I would request a refund of my interest charge and additional XXXX dollars for my time calling them.
Consumer complaint received 2018-02-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Today I got letter from Equifax about a dispute account : XXXX XXXX XXXX XXXX for XXXX that account show on my report they sent me today ( XX/XX/2018. The letter said we have reviewed your concerns and our conclusions are : The disputed account XXXX XXXX XXXX XXXX XXXX is currently not reporting on the Equifax credit file. 

How is that????
Consumer complaint received 2018-02-02
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. (WA)

My name is XXXX XXXX, and my wife and I were working on our credit reports and we started to research different things related to credit. We found that we could dispute inaccurate information directly with the three credit reporting agencies for which we did and were able to clean up several mistakes we noticed that were reporting. However we also learned that there is a statue of limitations for each type of item that reports and for some reason there are a few accounts the bureaus have continued to list even after disputing that are past the statue of limitations such as : Four accounts with XXXX XXXX XXXX XXXX, Two accounts with XXXX XXXX XXXX XXXX and the other XXXX. XXXX XXXX XXXX, Four accounts with XXXX XXXX XXXX, Three accounts with XXXX, Two accounts with XXXX XXXX XXXX, 4 accounts with XXXX XXXX XXXX and then One with XXXX XXXX.
Consumer complaint received 2022-09-11
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. (GA)

On XX/XX/2022, I tried to submit a collection dispute on the Equifax website several times, and even though I was able to submit the dispute they would not allow me to attach supporting documents for the dispute and their additional information box was only limited so I could not further explain my dispute. I had to submit the dispute without this documentation and I believe they will not properly investigate without this information. They did not give any other way to submit the information for the dispute.
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 — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (MT)

I am in the process of applying for a mortgage loan. When my credit score was run on XX/XX/XXXX, it showed a derogatory account for a XXXX XXXX XXXX XXXX ( # XXXX ). A balance of {$9300.00} is showing for a student loan that I paid off. It should have a balance of {$0.00}. 

After doing some digging, I discovered that XXXX XXXX XXXX out of Pennsylvania " owned '' this loan and has been attempting to collect on it since XX/XX/2013. 

This loan originated with RBS Citizens. Account # XXXX -- XXXX. I called RBS Citizens Bank 's asset recovery department ( XXXX ). They verified that this loan was in fact paid off. 

Using the app XXXX XXXX, I disputed this account. 

Then on XX/XX/XXXX, I received a letter in the mail from a collection agency called XXXX XXXX XXXX in XXXX, ND ( XXXX ) asking me to pay the balance of {$9300.00} for a XXXX XXXX XXXX XXXX XXXX XXXX, with the account number listed as my social security number. 

I have called repeatedly and left a voice message in an attempt to dispute this with them directly.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (MN)

I bought a ring and got financing through XXXX XXXX XXXX XXXX. I spend over {$3000.00} for the ring and was told I would get promotional financing which is 14.99 percent apr low for 36 months and told by the associate I would receive. It was a while till I realize I'm getting a finance charge every month! I called comenity bank who issues the card and filed a dispute and after they stated it was correct. Never get financing through XXXX  they're deceptive and liars
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

Disputed collection from National Credit Systems , Inc regarding a debt that was owe on my credit report in the amount of {$390.00}. First dispute letter was sent on XX/XX/2019 and second letter was sent XX/XX/2019 and the third letter was sent on XX/XX/2019. After three attempts of asking for legal documentation showing where I'm responsible for this debt. I received two letters on XX/XX/XXXX and XX/XX/2019 stating the same thing that my dispute has been investigated, however we have yet to find sufficient evidence to validate the amount owe. They asked if I can provide their company with all relevant documentation and information supporting to show them regarding the debt. And they will only revise or delete the debt if I provide them with information.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KY)

Equifax casually added fraud alert to my account without my consent, as I have never requested it. 
I have contacted Equifax countless times to REMOVE the fraud alert, CS claim it was removed several times as well, yet on XX/XX/XXXX, I still received letter that they have ADDED the fraud alert. Even though I have asked to REMOVE it. 

XX/XX/XXXX Called Equifax, spoke with supervisor XXXX, badge XXXX, he claims he does not have a boss. He said he need to release the line and hung up on me. I am unable to call back, maybe they have blacklisted my phone number.
Consumer complaint received 2021-02-27
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. (NC)

I have disputed errors on my credit report two times with transunion. Once on XX/XX/XXXX and again on XX/XX/XXXX. Each time I disputed that I had not made payments on this account ( I have been making payments since XX/XX/XXXX ). I also disputed that the account was still open not not paid off in full which it was XX/XX/XXXX. No action to remove the missed payments or to show that the account was closed occurred. When I called the transunion customer service line they did not assist me so that I could upload additional documentation. I was transferred multiple times, each time the new representative would pass me off to someone new. I have documentation showing that I've made payments since XX/XX/XXXX monthly until XX/XX/XXXX when the account was paid off. The original creditor was the U.S. Department of Agriculture as a government overpayment ( original amount {$7700.00} and they sent my account to collections thru XXXX I have been making all payments thru XXXX and on XX/XX/XXXX I paid off my debt with them. I just want to information to be updated so my credit can be an accurate reflection of what has occurred.
Consumer complaint received 2018-06-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Mobiloans, LLC (TX)

In XX/XX/2016 I was the victim of a data breach and someone opened accounts in my name with MobiLoans and XXXX XXXX XXXX. I have sent several letters to both companies and fraud affidavits with no luck. Mobiloans refuses to investigate even though a proper dispute was filed. They keep stating they need my dl, utility bill and a police report. As far as the Fair Credit Reporting Act I only need to provide a fraud affidavit which they have. Mobiloans says they will no longer correspond with me even though I sent a letter to dispute the debt on several occasions. 

Both of these companies are refusing to investigate or remove them from my credit report. ALso both of these companies are illegal to operate in the State of Texas. I have a letter from Mobiloans stating they will no longer address my correspondence as I have questioned the legality of their company.
Consumer complaint received 2019-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

On XX/XX/2019 I sent a fax request for verification on XX/XX/2019 I sent a certified letter for verification as of XX/XX/2019 I had not received any communication from this company ( Jefferson Capital systems ), when I requested information the tried to send it to another collection agency to collect but I also sent a request to that company as well which ( XXXX XXXX XXXX XXXX ). XXXX responded I have attached a copy of there response. Jefferson did not respond so I reached out to them to request that they cease collection and remove this account from my report since they didnt send verification nor respond within the allotted time for fair debt collection. I was advised by XXXX they he was not able to make that decision so I ask for a manager I was then transferred to XXXX who I advised of the situation and my request and I was told that I need to call back to speak with the correct department which I was under the impression they were the department since they both made attempts to collect the debt.
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (IL)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2021-02-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XX/XX/2020 I filed a complaint about inaccurate information on my credit report. There were unauthorized accounts and unrecognized accounts.These inaccurate items need to be removed immediately.
Consumer complaint received 2018-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have been applying additional principal payments to bank of america auto loan. I spoke with BOA and stated I would like any additional payment be applied to principal and not next months payment. A customer service representative told me I would have to go into a bank or pay by check and could not do this online. If I do not have checks, no checking account with bank of america and I do not have a bank of america near me these things are not possibly. BOA is dictating how I would like my payments and stating it can not be applied towards principal when I am meeting my monthly obligation. I would like this investigated immediately, I believe it to be false and deceptive bank practices.