davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (MO)

Hello, This email is in reference to the fraud department at Wells Fargo Bank committing fraud. I transferred {$4700.00} in funds from my WF savings to my WF checking account online with Wells Fargo on XX/XX/2016, which made my balance a total of {$4700.00}. I received word from WF asking if I made this transfer of funds. I confirmed the transfer was legitimate and I in fact made the transfer. I then wrote a check in the amount of {$3800.00}. When the check came through my checking account I received word from Wells Fargo Fraud Dept that there was a check that came through and asked if I wrote the check. I confirmed the check was legitimate and that I had written the check. I confirmed all security information once again. Even though I cleared their suspicions, the fraud department never lifted the hold on my checking account and then charged me {$35.00} in NSF charges. I called the bank to clear up the issue and asked that they refund the {$35.00} in NSF charges and clear the check. They assured me the hold was lifted and that they would refund me the NSF charges. They suggested the person I wrote the check to put the check back through my account, so they did so. Wells Fargo Fraud department still had a hold on my account AND charged me ANOTHER {$35.00} for NSF. I was unable to obtain my funds that I very much needed at the time! I do not have a WF branch in the state that I moved to but luckily I was on vacation and happened to stop by a WF branch to withdraw the money in person that I owed to the person that I wrote the check to previously -- had n't I done that I still would not be able to access my funds. I then called the WF Fraud department back today asking them to refund the XXXX NSF charges and was informed that I was only going to be refunded {$17.00} for one of them as a " courtesy. '' They explained that when the check came through the transfer of the funds from my savings account to my checking account " had n't yet cleared '' ( BECAUSE THEY HAD THE HOLD ON MY CHECKING ACCOUNT THINKING THE TRANSFER OF FUNDS FROM SAVINGS WAS FRAUDULANT ) and that was the reason for the NSF charge. I was never told this the 2 other times I called about the NSF charges, nor when I stopped by the branch -- they always agreed the charges were in error and agreed to credit my account. When you make a funds transfer from savings to checking, there is NO WHERE on the website that states the funds will not be available for any period of time. In fact, it states they are available immediately, as reflected in the balance. Today I transferred more funds from my savings to my checking account just to see if the system would state that the funds would take time to become available and it did not. The system stated that the funds were AVAILABLE under " available balance. '' I will attach all proof. 
Thank you for any assistance that you can give me. 
XXXX
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (SC)

I have been unable to get my Equifax credit report for two years now ( last report obtained XX/XX/XXXX ) because I am unable to get past the online verification questions, even though I answered them correctly. I never had a problem prior to XX/XX/XXXX, nor have I had a problem with XXXX or XXXX. I do not want to send my personal security information through the mail and they do not offer a phone option. My last attempt to get my Equifax report was today, XX/XX/XXXX.
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Continues to proceed with a house foreclosure even though they have required documents showing that the house has been sold with a closing date in XX/XX/XXXX or XX/XX/XXXX. I have the sheriffs office calling me and serving me with papers as well as calls from others. Hundreds of attempts have been made through written and voice correspondence which are virtually useless because they always seem to fall into the hands of someone who " does n't have the authority '' to do anything about it. They refuse to give the real estate company a loan payoff amount so that accurate calculations can be made by the real estate company. Yet - at the same time - fee after fee after fee is being charged including forclosure attorney fees and there isnt even going to be a forclosure. THE HOUSE IS SOLD!!! But you ca n't get that through to them.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I checked my credit report just the other day. There is an account on my credit report from XXXX XXXX And XXXX opened XXXX XXXX, 2016. Balance {$800.00} There is no account Details the account status reads open. I did not get any information on this. I do n't know what this is, I do n't know what this is in reference to. I called Equifax last week I was speaking to someone as their system went down. I was on the phone 30 min trying to see what this account was. I asked the Equifax representative to send me documents that they had on file that they used to verify the accuracy of the above account. I have yet to receive anything Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
and Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. PLEASE REMOVE THIS UNVERIFIED ACCOUNT AND PLEASE REMOVE ALL NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I just looked at my credit reports and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. I will be in the process of applying for new loan transaction and the error will cause problems with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current & only address shown should be : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX My Valid Associated Names are as follow : XXXX XXXX XXXX XXXX XXXX My current & only phone number shown should be : XXXX My current & only EMPLOYER shown should be : XXXX XXXX
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NC)

My fianc has an Apple Card and added me as an authorized user. Apple sent me a physical card and also created a virtual card in Apple Pay for me to use. The Apple Card does not have the card information printed on it - that information is stored in the virtual Apple Card in the iPhone wallet. I am unable to view the card information in the virtual wallet due to an error that Apple is aware of. I have communicated with Apple support over the last 3 months and no resolution has come for this issue. Therefore, Im unable to view or know my Apple card #, expiration date and CVV. Im unable to use the card to make online purchases or any purchases requiring that information. I have communicated with Apple support over chat, over the phone, sent diagnostic reports to support and allowed them to remote into my phone to investigate and to take screen recordings. There has been no communication to me with an ETA on when this issue will be resolved. I need to be able to view and access this information in order to have full use of the credit card.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

OCWEN Loan Servicing has marked my account as well as my wife 's account with all XXXX credit bureaus as a foreclosure. The house legally was sold to XXXX & XXXX by me and my wife XXXX through a professional licensed Realtor. The mortgage was paid in full at the time of closing. The account should just show as a normal account paid in full and closed. This derogatory condition on the account is preventing my wife and I from seeking a fair car loan. I filed a complaint with OCWEN almost 20 days ago at which time they told me I would hear something back from them within 10 days. 
Property description below. 
*Legal Description : XXXX *Property Address : XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2023-04-16
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. (MO)

i called XXXX XXXX they stated they deleted my acct and sent it to credit agency to remove my acct is still reporting on my acct
Consumer complaint received 2017-05-01
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (TX)

I went to my ban k (   XXXX   XXXX   XXXX   ) a nd got a cashiers check for {$2000.00}. I then took that casheirs check on  XXXX   XXXX ,    2017   (  the day my rent was due ) and deposited that cashiers check into my landlords account at his bank  ( Chase Bank ). The tell er who helped me at chase bank handed me a deposit slip and said I was ok to leave, so I left thinking everything was okay. My landlord then called me several days later saying he never received our rent and was threatening with eviction so I went to the bank immediately to figure out what was happening. Chase bank said it was an error on their part and that they would credit my landlord the {$2000.00} while they figure out where the original cashiers check went. Again, I left chase bank thinking everything was ok. I then get a call from chase bank a week or so later to find out that they closed the case, took back the credited {$2000.00}, and are basically trying to tell me that they never received the cashiers check in the first place and have no record of it. They then told me I need  to get a surety bond so that I can place a top check on the original cashiers check and get a new one issued. I called the company that I 'm supposed to get a surety bond from and he told me that this whol e situation sounds fishy and that he had dealt with something like this before and it turns out that the bank was doing something they should not have been doing. He told me I should call the FDIC and have the whole case checked out.
Consumer complaint received 2016-02-29
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Commercial Services, Inc (FL)

National Commercial Services FAX # ( XXXX ) XXXX Re : account # XXXX Attention to DISPUTE DEPARTMENT Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account National Commercial Services that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX D.O.B : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SS # XXXX
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (CA)

I applied for another credit card from my existing bank where I am a long time and premier customer. The application was submitted  XXXX   XXXX  online and I received email confirmation indicating that my application was received and will be processed. If for whatever reason the application was denied, I would be provided a verbal explanation. If there were no isssues, the card would be sent with in 5-7 bu siness days. On Monday  XXXX   XXXX , I called the bank inquiring about the card because I received mail about my fico score ( above  XXXX  ) and I check on my online banking and it shows the new credit card as {$0.00} balance and part of my account summary. Because I had received  the credit score notific ation and saw the card on my online banking, I assumed that the card was approved however I had not yet received it, which was concerning. When I called  Wells Fargo  on  XXXX   XXXX , I was told that the card was not sent yet but since I a a premier customer it can be shipped to me in 2-days free of charge. I sai d ok. Today I re ceived a  XXXX  package with the wrong card. They sent me a replacement card from  XXXX  of my existing credit cards that I did not ask for. I just called  Wells Fargo ri ght now,  XXXX   XXXX , to indicate that the wrong card was sent and that I am greatly concerned about the Visa that I have still yet to receive. She indicated that the card was sent on  XXXX   XXXX  and that the banker I spoke to on  XXXX   XXXX  was incorrect.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery Associates, XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX noticed me a year back of a collection account. Portfolio Recovery Acquired the collection acquired debt in XXXX in the amount of {$700.00} dollars from XXXX XXXXXXXX XXXX The debt was actually from XXXX but they are showing this collection as starting in XXXX The debt is  actually five years old not three as indicated on my credit report. Numerous attempts to get Portfolio Recovery to change the dates have failed.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, So a couple days ago I had gone in to apply for an apartment and received a notice back saying I could not be accepted because I have a consumer frozen file. I have gone into the XXXX credit bureau and spoke with all three credit bureaus on the phone and was told because I have absolutely no credit there is no files that come up under my name. I have received the document the apartment is seeing and it does show that I have a consumer freeze. Please help me as soon as possible so I can get into my new apartment. If there is a freeze I would like it removed immediately!
Consumer complaint received 2016-09-20
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MD)

I opened up a savings account at Wells Fargo Bank. I was required to take debit card as part of the account processing, even though I said that I did not want a debit ( or credit ) card. We agreed that I could cut it up when I received it.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

I have student loan accounts on file with Equifax that are being reported incorrectly and to old to be on file. The accounts that I am disputing are student loan accounts from XXXX which are the following : XXXX, opened in XXXX in the amount of XXXX ; XXXX opened in XXXX in the amount of XXXX ; XXXX in the amount of XXXX ; XXXX in the amount of XXXX. In XXXX XXXX, I filed a chapter XXXX bankruptcy which was dismissed in XXXX XXXX. The above mentioned student loans were included in the bankruptcy petition. As of XXXX XXXX, all of my student loans was consolidated with XXXX XXXX XXXX which is currently on my equifax report as well with these amounts included. I disputed the information with equifax and they sent me a report saying that the information that they have on file is currently correct. They are currently reported these accounts as negative and included in wage earner plan, when in fact they should be paid, closed or transferred to another lender like the rest of my student loan are. Additionally, these loans were first opened in XX/XX/XXXX and XX/XX/XXXX and they are too old to even be on the credit file. It appears as though equifax is not correctly investigating this information, especially if they are saying that these accounts are still included in a bankruptcy wage earner plan that does not exist. These accounts are reflecting negatively on my credit file and by right they should be removed being that they are so old, but atleast Equifax should investigate and report them correctly.
Consumer complaint received 2024-02-08
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. (MD)

I have disputed these accounts previously and have not received dispute results or methods of verification. My consumer rights have been violated multiple times for years now. There aren't remarks on my report that indicate XXXX of the accounts had been disputed. I have received results of my dispute nor have I received the method of verification. It has been well over XXXX days since I originally disputed these accounts.
Consumer complaint received 2022-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Jon Barry and Associates, Inc. (MS)

After noticing that I had a debt appear on my credit report from Paragon Revenue Group, located in North Carolina Permit No. XXXX. I reached out and made contact with them via phone inquiring on what the debt was. After speaking with several associates who claimed to work for Paragon Revenue Group. During these phone calls, I was advised by the associates that I owed a debt to XXXX XXXX XXXX XXXX. So I made arrangements to start making payments on the account. At first, I was making payments from my bank account, I paid a little over {$400.00} from my bank account before my husband paid the remaining balance on his credit card. Once my husband was informed by me that this was on my credit report we made arrangements to pay the bill off in its entirety in the sum of {$760.00}. After requesting several times that the company send a statement that the bill was paid in full. Paragon associate XXXX advised me on XX/XX/2022 that he was going to put it in the mail for me and a month before that I was advised the same thing. On XX/XX/2022 I spoke with Supervisor XXXX XXXX with Paragon Revenue Group and she advised that XXXX did not send it via mail because I was claiming that I did not receive it the last time in the mail. Now they're claiming that they said they sent it via email. After I never received it this prompted me to call XXXX XXXX XXXX XXXX to speak with their billing department. I spoke with the billing department and was advised that my bill had been written off as charity and Paragon was not supposed to be collecting on that bill anymore.
Consumer complaint received 2019-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (WV)

A guarantee on a lease I signed, whose name is XXXX XXXX, used my personal information to sign up for a XXXX XXXX Credit Card. He ran up the charges to {$1100.00} and now Cavalry Portfolio owns the debt. They have recently reported the debt to the major credit bureaus and now my credit score has taken a bad hit.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Arbitration — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing to inform the Consumer Financial Protection Bureau of discrimination on the part of Capital One. Their company can and will remove derogatory information, which is accurate, from consumer credit files. I am aware of several people who have had success submitting goodwill requests to their executive office. They have gotten late payments, even charge offs removed from their credit files. If Capital One denies this occurred, or that it continues to occur, I would be happy to provide documentation showing that it did and does. For some people, present company included, Capital One will respond saying " the information being reported is accurate. therefore, we are unable to remove or modify it. '' I have gotten this cookie cutter response multiple times from different people within their company. It is frustrating because I know for a fact that is n't true. Their company can and does remove negative information, which is accurate, for some of their customers. I personally know of several, so there are likely a lot more. XXXX people can contact their executive office with the same request to remove negative information from their credit files. XXXX will get approved without any challenges, the other will get denied with Capital One claiming they do n't modify or remove accurate information. Even the guy I spoke with today at Capital One did n't deny that Capital One removes negative information for some people, but not for others. He would not elaborate on how they come to their decisions. This has me concerned because it 's entirely possible, even likely, that Capital One is engaging in discrimination. How can they say they 're not? If XXXX people submit the same goodwill request requesting that Capital One remove negative information, and XXXX is approved while the other is denied citing the law or their own policies, how can they say that is n't discrimination? There is some set of criteria they are using to view XXXX customers differently, outside the scope of their goodwill requests. I would like to know what that is, and the public has a right to know.