davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo has been unhelpful and evil during this pandemic. I and millions of Americans are suffering during these trying times and yet, this company refuses to at least help me and others by refunding overdraft and return item fees knowing that much of our income has been less as a result of this pandemic. My state, Arizona still has restrictions, therefore I am unable to make as much income as I did before the pandemic since my work relies on the entertainment, food, bar and tourism industries. 

I am very close to closing my accounts with wells Fargo due to their lack of empathy and am now formally demanding that they refund me all {$410.00} in fees since the pandemic began. 

I just graduated from college into a world in which I can't get a job with the degrees I have because of the pandemic. I am a single father who recently moved into a place that I could barely afford. 

Please show some empathy here, you guys make enough from OD and Return fees, why let your greed disenfranchise others who are dealing with the hardest months of their lives! 

I've just about had it with this company and have zero problems refusing to do business with a company that fails to care about their customers. shame on you.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

In accordance with the XXXX XXXX XXXX. Everything has to be 100 % accurate on my report. 
The credit report stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date lady active is inaccurate and date last reported is inaccurate. 

This is grounds for removal due to a violation of my rights under XXXX XXXX XXXX XXXX XXXX Section XXXX A stated I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX Section XXXX A Section XXXX states a consumer reporting agency can not furnish an account without my written instructions. 

I have attached and highlighted the accounts incorrect.
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (GA)

i contacted credit management after noticing they were on my credit report. they couldn't verify debt and transferred me to a supervisor whom then emailed me the attached letterhead document saying they will delete account over 60 days ago. account is still active on my report. I have called and questioned them about the practice of saying one thing and doing another with no response and rudely trying to act like I don't have a document stating my claim. I have no knowledge of this debt and just like they agreed upon i would like this removed from my credit asap.
Consumer complaint received 2021-07-18
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: Santander Consumer USA Holdings Inc. (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (CA)

In accordance with the fair Credit Reporting Act, US BKPT CT XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ... Has violated my rights.

15 U.S.C 1681 SECTION 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TN)

comenity bank is extorting me on false debt claims from XXXX, XXXX ( XXXX ), and other accounts- which only went red because of an unlawful eviction. The lawyer refused to clear my name until recently, unbeknowst to me- which is more critical than overextending credit lines- and being made homeless, unable to rent and pay any bills. companies like this- which now manipulate the market are extorting consumers- and denying credit- for healthcare, and petcare- leaving us- and our best friends- to die. THEY WILL NOT CORRECT THE PROBLEM. DEBTS ARE CHALLENGED AS OF SEVERAL YEARS AGO- companies refuse to settle, claim not collecting- then harass beyond debt sol.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (OH)

I have always made my payment on time each month and in XX/XX/2021 I paid my card off in full. My limit on the card was {$600.00} and then in XXXX my limit was decreased to {$300.00}. I noticed this in XXXX and called Target to ask why they had decreased my limit. They could give me no explanation and wanted to do another hard pull on my credit to try and raise the card limit back to what I was originally approved for. All of my other credit cards are also in good standing and I make all my payments on time. I do not understand why Target lowered my limit when I have been a good customer. This obviously makes me want to do business elsewhere and I am contemplating closing this account.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, there is a debt. collector with the following data : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX They reported a debt. of {$740.00} to Transunion, this information is not true, they said it belongs to XXXX  XXXX, but I don't have this account with them, neither opened and account. 

I disputed twice this information to Transunion, reporting it as fraudulent or incorrect, twice I received the following information ; DISPUTED RESULT : Disputed information was verified as accurate TransUnion investigated your dispute but did not change your information. 

After talking today to Transunion they said they requested more information about this debt. from the collection agency, but they didn't provided any information backing up the amount they are claiming. 

I did search the internet and found out there are a lot of complaints about this company scamming customers. The representative at Transunion said at this point the only way they can remove this information is, if the debt. collector accept that the information was entered by error, or if I report this to Consumer Financial Protection Bureau as a fraudulent transition.
Consumer complaint received 2022-10-12
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: Army and Air Force Exchange Service (OK)

On XX/XX/2022 my account was reported delinquent. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: U.S. BANCORP (NE)

continuously for the last 6 weeks ive been having issues with usbank disabling my online accounts so i can not get into any of them including my checking savings business accounts and credit cards so i can pay my bills on time and not be late. they are distroying my credit by making me be late on my payments by locking me out of my online banking and then taking away my limit on my XXXXcc card i had a limit of {$8300.00} and now they took it down to {$2200.00} because of these problems even though i find a way around it but very disturbed them locking me out of all my accounts to pay bills and charging late fees when they lock me out so i cant pay bills and then cutting my credit card limit down to 1/4 of what i had for a limit. i very angry about this and need something done about this??? they cut me out of my cash rewards for XXXX XXXX XXXX as well on that same credit card saying i didnt sign up for it when i always sign up a whole month before always. and i have proof in writing that i did sign up cause i saved it on my computer.
Consumer complaint received 2023-04-01
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. (LA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} LA XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX  XXXX Balance : {$400.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-04-02
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : credence Resource manage ( T-Mobile ) Account name : XXXX XXXX XXXX  Account name : XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXXXXXX  ( XXXX ) has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven veals.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FlexShopper, Inc (GA)

I have filed bankruptcy for FlexShopper I receive XXXX XXXX calls Daily since XX/XX/2021 from multiple numbers : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-01
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. (TN)

experian added a fruad alert, as have others with all of these breeches. I never authorized ANY alert. experian reefuses to remove the alert. yes, my id was stolen, as my ssn numbers- however, that does not give anyone permission at any company to refuse acces to my files in any way due to panic mode at their company. remove all blocks and alerts. I am being denied credit due to this, which is unlawful. Furthermore disputed information is fraudulently being re aged and re certified. IT MUST BE REMOVED. THE DEBT IS CHALLENGED- if companies will not comply in CORRECTLY REPORTING THE DATA- and they have not so far for years, then it must by law- be removed.
Consumer complaint received 2020-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc. (PA)

COMENITY BANK/NWYRK & CO - Has violated my federally protected consumer rights under 15 USC 1692. They have sent several statements, didn't know I could dispute a debt, never said they was attempting to collect a debt. Used abusive and profane language. See attached documents.
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: EVERBANK, NATIONAL ASSOCIATION ()

I made a money transfer with XXXX, the money to be taken out of my TIAA checking account. I made a mistake and the order went through 2 time instead of one. There was only enough money in the account to cover one transaction so they locked the account.

I then transferred money from another account to cover the debit in the first account. However, TIAA never unlocked the first account which was the one I have set up for transfers. I am doing XXXX XXXX in XXXX in an area with no international phone connections. So I have to use emails.

TIAA has a place on their site to : Email Us. I clicked on that and sent my email explaining the problem and that I had transferred money into the account to bring this up to date, and asked them to liberate the account so I could use it again. I received a machine answer which was incredible. It said they didn't accept emails that were not secure. Imagine that! The email was sent using their own system! I sent them another email asking them to liberate my account via XXXX email with is a secure. I got the same response from TIAA saying they did not receive emails that are not secure. Can you see the disorganization here and total disregard for the consumers situation?

Since then I have sent 5 or 6 emails to different people at TIAA with absolutely no answers. This is a simple problem to fix : simply liberate my closed account.
Consumer complaint received 2021-04-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2020-11-01
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. (GA)

I contacted XXXX XXXX XXXX on numerous occasions, last time XX/XX/2020 to fraud department. Someone use my identity to open a line of credit and I let XXXX XXXX XXXX know. I have contacted credit bureau as well and nothing has been done. This account needs to be removed immediately.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CO)

I used PayPal Credit to fund several purchases. On XX/XX/XXXX, I made a complete payment on my balance, {$570.00}. PayPal took the full amount out of my account, than a day later, charged me the full amount again. This overdrew my account, I called my bank, and the charge was reversed. Than, just yesterday, PayPal charged me the full amount again. I called them, they agreed it was a mistake, and said they'd send it as a check in the mail. I have bills I need to pay NOW, and my account is overdrawn. My rent check just bounced because of this, and now I'm at risk of homelessness. This is unacceptable, and I'm freaking out.
Consumer complaint received 2021-05-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

On XX/XX/XXXX at XXXX I called XXXX Mortgage to make my regular monthly payment of {$2200.00} for the month of XXXX. I spoke to XXXX and she informed me that an escrow analysis was done on XX/XX/2021 and that a letter was sent to me dated XX/XX/2021 advising me that effective XX/XX/XXXX my payment is {$2700.00}. I told XXXX that while I understand there may be an escrow shortage Midland Mortgage has to provide me with a 30 day notice before any changes take effect and increasing my payment XX/XX/XXXX is a violation of XXXX XXXX XXXX transferred me to XXXX in the escrow department and I asked XXXX to transfer me to a supervisor. At XXXX I finally got to speak to XXXX XXXX a supervisor in that department only to hear the same information. They refused to take my payment of {$2200.00} because according to their system it was {$2700.00} Im extremely concerned that Midland Mortgage personnel seemed to have to have no clue about XXXX XXXX or what I was trying to explain. I wonder how many more mortgage holders who dont have knowledge of lending regulations they have done this to. Based on my conversation yesterday with multiple employees I think an audit needs to happen because I know I cant be the only client going through this with them.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

XXXX XXXX  I WAS TOLD I HAD 90 DAYS OF MISSED PAYMENTS ON MY CREDIT CARD THIS LEAD TO MY XXXX XXXX DROPPING XXXX  POINTS. THIS INFORMATION IS UNLAWFUL AND INACCURATE. THIS INFORMATION BEING WRONGFULLY REPORTED ON MY REPORT IS STOPPING ME FROM PURCHASE MY DREAM HOME. BY LAW WITH THE FAIR CREDIT REPORTING ACT SECTION 15 usc code 168b IT IS ILLEGAL WITH OUT MY CONSENT TO REPORT
Consumer complaint received 2021-10-21
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. (AR)

So this is a closed account it clearly shows charge off. But at the same time its says open. But I says amount due XXXX. But its open seams to mean that this is an inaccurate reporting. And it shows no last due which would mean it should show current. This is an inaccurate reporting and this account either 1. Needs to be deleted totally from my credit all there agencies or 2. Shown as current all the way across the board. Either way they are being allowed to report inaccuracies on my credit which is gendering my credit. Please update or remove.it says date opened was XX/XX/2021 that is incorrect as I do have one with them that is current. Please have them to supply you and me with documents that I signed this account to be open on the date that they have reported. It does not exist
Consumer complaint received 2021-09-09
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: EQUIFAX, INC. (OH)

Hello, XXXX XXXX  : Equifax # XXXX ; XXXX  # XXXX ; XXXX  # XXXX I have requested the above account be removed off my credit report. As I'm an Authorized User and the Primary Account Holder has abused the account and placing negative information on my credit report. Please remove ASAP as I'm in the process buying a house.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

So this is a closed account it clearly shows charge off. But at the same time its says open. But I says amount due XXXX. But its open seams to mean that this is an inaccurate reporting. And it shows no last due which would mean it should show current. This is an inaccurate reporting and this account either 1. Needs to be deleted totally from my credit all there agencies or 2. Shown as current all the way across the board. Either way they are being allowed to report inaccuracies on my credit which is gendering my credit. Please update or remove.it says date opened was XX/XX/2021 that is incorrect as I do have one with them that is current. Please have them to supply you and me with documents that I signed this account to be open on the date that they have reported. It does not exist
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have been making extra payments towards my mortgage. I do this online manually- it's not an automated payment. When I go through the process, it asks how I want to apply the payment. I have a choice of principal only, regular payment, or escrow payment. I choose regular payment. 
Bank of America will only accept one extra " regular '' payment, and then starts applying my payments to principal only, but without telling me. I know exactly what I am doing, and I want to make a series of " regular '' payments, because it will achieve the same thing but will bump my due date forward. They have told me that I need to ask their permission to do this, and that the reason they do this is that it's in MY best interests to make principal only payments. I get to make my own decisions about what's in my best interests, and I disagree with Bank of America. Furthermore, they have demanded that I send them a letter " asking '' if they will grant ME permission to get further than 30 days on my mortgage, and they will only accept that letter via FAX ( hahahaha ) or US Mail. Apparently they feel that they have the option to deny me this " privilege '' if they feel like it. 
I find the whole situation incomprehensible. They WON'T let me get ahead on my own loan? They know what's best for me? Since when. I don't think this is legal, and I'd like an explanation. My money, my choice.