davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/2020 My Deposit account received a electronic deposit for the amount of {$610000.00}, at which time, the financial institution refused to release this deposit, they availability of these said funds were delayed numerous times, each following a different explanation as to how this is part of the policy and follows in accordance with the account agreement that I signed and agreed to when I opened and funded the account, after numerous failed attempts to resolve the delayed accessibility issue, I reached out to the Executive Corporate Management Office, at which time I expressed my concerns as a consumer on how I felt that my funds were being withheld and improperly managed, this led to XXXX escalating the complaint and followed up in regards to this matter 17 calendar days after which it was filled. 

On XX/XX/2020, I requested a cashiers payment check be sent to me via mail, as I am not within close approximately to a physical branch. The Associate I spoke with via the customer service hotline, assured me that the check was ordered and I should expect to receive it, at the same address as to my other account related documents are sent, within 2-3 business days. I waited 7 Business days and attempted to gather a conclusion or statement as to where this payment may be, at which point I was Misrouted, given incorrect information and told there was nothing further they could do to assist me with this matter, as of XX/XX/2020 I still await for this said payment, There are no options or other course of action as I was previously advised that, once I receive the payment I can then bring it to a branch where it would be destroyed and my deposit account would thereafter be credited to the amount of payment. 


On XX/XX/2020 I received information from a vendor stating that the financial institution where my assets are held, divulged incorrect, defaming information that resulted in the vendor declining any further transaction. Not only did this institution slander against my credibility, details that have no meaning or bearing to my credibility and or characterizes were falsely disclosed in a deceiving manner.
Consumer complaint received 2018-07-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Equifax continues to report a Fraudulent Collection from XXXX XXXX XXXX {$2500.00} after the Collection Company XXXX XXXX XXXX has requested by letter to have the incorrect information removed from my credit report. I have attached the deletion letter from XXXX XXXX XXXX and I have called Equifax to request removal of the fraudulent collection which they refuse to do so knowing it is incorrect information being reported. 
I have disputed this issue with Equifax and provided the deletion letter to them also. The other two credit reporting agencies have removed the fraudulent account but Equifax has not and refuse to do so.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NJ)

I got a Discover it secured credit card XX/XX/XXXX billing cycle got a lot of negatives off my credit my. I got the secured card in XX/XX/2018 my brother same situation but alot of negatives on his credit and still does. He got his card a month later he makes alot more money I am XXXX. They r discriminating agaisnt me salary and XXXX also XXXX XXXX that I have complain to u about them. It's always about the XXXX peoplrei sm XXXX off iam XXXX I contacted legsl services. XXXX XXXX is agaisnt the XXXX. Well my brother graduated I got a better fico score my vantage score should be staying XXXX but they never did off cycle. Discover or XXXX XXXX. I know u haven't help me but when I get an attorney covering all angles. White people rdiscriminated agaisnt also.
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

We have been with Comenity Bank Total Rewards Visa since XXXX 2017. In 30+ years of managing our credit cards, I have always paid off our balance every month and have always allowed ample time ( 8-10 days ) for mail to reach its destination and never had late payment issues. I recently noticed interest charge on the statements so I called to find out what happened. On X/X/17, I spoke with XXXX ID # XXXX. He explained to me that although I paid off the balance on the statement, Comenity Bank Card charges interest on the charges that incurred after the statement cycle. And in order to avoid the interest charges, we need pay off the entire balance on the account ( not on the monthly invoice they sent me ). I need to call them to get my most current balance and pay that balance in order to avoid interest charge. I have used credit card for 30+ years and this is the first time I encounter this type of credit card interest charge. I reviewed the back of the statement and under Paying Interest, it states We will not charge you interest on purchases if you pay your entire balance by the due date each month. So I called on X/X/17 again and spoke with a Resolution Specialist named XXXX ID # XXXX. He now told me that XXXX was incorrect. XXXX said the interest charge was incurred because my payment was late. I know this is an erroneous excuse because he needs to place the blame on me in order to justify the charges. I then question him why the stories are different between him and XXXX. He would not reply. Comenity Bank is deceivingly charging fees to consumers who pay balance in full by making up erroneous rules and accusing customers of being late on payments. Posting payment is controlled by Comenity Bank Credit Card Accounts Receivable Department. 8-10 days of mail delivery is more than sufficient for any honest business operation/practice. I do not believe 20 days of mailing time would make a difference. This seems to be a tactic for Comenity Bank to make additional revenue. And it is the only way they are able to extract money out of good customers who pays in full and on time. Comenity Bank is operating an unethical practice and fraudulently charging consumers with erroneous fees. 95 % of the BBB reviews are negative against Comenity Bank.
Consumer complaint received 2020-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc. (MA)

A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (MD)

I had an account with XXXX in XX/XX/2010-XX/XX/2011. My contract ended and the equipment was turned into the third party contractor that sold me service. XXXX stated that they never received the equipment, which I dispute. The third party contractor no longer works for XXXX so there is no record to reference. This is XXXX XXXX issue but they had SW Credit Systems L.P. add a debt to my credit report in the amount of XXXX dollars, which I deem fraudulent. I've contacted SW numerous times and disputed the item through all three credit bureaus, when able.
Consumer complaint received 2017-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

Husband XXXX XX/XX/XXXX ; notified Fifth Third Bank in XXXX, OH, and spoke with ( XXXX ) in the dept. handling XXXX issues ; my concern was about getting vehicle re-registered with DMV so my name would appear lien and Registration ; I was told to go to DMV because they were n't sure if they would allow it. I went to DMV and explained what I needed, and they gave me a " Transfer of Certificate of Title With Lien '' form for me to fax to the Lienholder/Representative ( Fifth Third Bank, Contact # XXXX ). I called back on XX/XX/XXXX, and spoke with an XXXX, but quickly got off phone because of her personality ; not someone I needed to speak, considering I 'd recently XXXX my XXXX XXXX. Called back to speak with ( XXXX ), who was very nice on my first contact with this Bank, but he was unavailable, so I spoke with a ( XXXX ) ; I asked could I fax the DMV form and XXXX Certificate to them, but was told I could, but they would not complete the form because I was not on the loan. My response was I know but I am maintaining payments, until loan is paid in full and only wish to be able to get the vehicle registered with DMV appropriately ; they would still have the Lien, and would still get their money. Loan has and is still in good standing. When I contacted them initially they had me believing that if the DMV is would accept such a transaction, it would be no problem. Their main concern was if I was going to keep the vehicle, and my response was yes, I would continue making the payments on time ; but now they want me to pay the loan off ; that 's easier said than done.l I 'm not rich, however, I 'm a retired, now XXXX, and will pay my husband 's loan. Look like their should be some type of provision for situations of this nature, especially when the XXXX is already going through so much mentally from the XXXX XXXX XXXX XXXX XXXX. I feel I should not have to be stressed with going and getting a new loan for my husband 's vehicle. I 'm not asking for a handout, just asking for help to keep paperwork with DMV straight.
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MI)

The bank has a rule about not being able to withdrawal or swipe your debit card for more than {$500.00} a day within the first 90 days. However the website states that I can request a one time extension to this rule. Yet when I attempted to request this extension to pay my rent the bank told me that I couldn't use this extension because it was the first 90 days. Then proceeded to tell me I need to make three separate withdrawals one three separate days which would of course cost me additional money in ATM fees or money order fees.
Consumer complaint received 2021-02-22
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. (MI)

Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

Dept of Ed XXXX reporting 4 times Us Doe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries i do not notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nicholas Financial Inc. (TX)

I spoke with the creditors and I also called XXXX XXXX and I was given false information from both parties concerning ways of getting this problem resolved. I was told in the past XXXX XXXX were experiencing problem with this situation.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Regarding Complaint and Inquiry Experian XXXX XXXX XXXX  XXXX XXXX Texas, XXXX To Whom It May Concern, I am writing to report what appears to be a serious issue and possible breach of my personal credit information within the ( Experian ) online system! 

This week our home Loan Agent attempted to log onto the Experian Credit Reporting system to retrieve our credit score. When he / she did Experian 's system told them ( our credit information ) within their system was frozen? When we learned this we became concerned because we had not logged in to use Experian  for over a year. 

When we personally logged onto their Website / system to address the issue we were denied and prompted to re-list our name address Social security etc. to retrieve my credit report. 

After doing so, their system ( again ) responded with the message, ( there was a problem ) prompting us to ( try again ) requesting that we re-list additional information asking us for my Social number a second time? 

After repeated ( requests ) and attempts by their system, The system message said, ( There is NO record of your information in our system ) and again prompted me to try again ; until finally it ( locked me out ) saying, we would have to wait for 24-48 hours. 

When we searched for Experian 's customer services numbers on their web site, it directed and re-directed us back to a circular automated phone system that prompted us to try again, until finally locking us out! 

Finally after locating a phone number to their corporate office we were connected with someone in the ( XXXX ) who had ( NO knowledge ), ( NO access ) or worse ( NO authority ) to RESOLVE my issue! 

When we asked the agent to redirect our call to someone here in the United States where someone could access our info in their system and resolve the issue, we were redirected back to the same circular automated phone prompts. 

In short, we have received no help, no response no correspondence to answer our concerns! We are concerned because we believe it's possible their system has been breached, possibly exposing all of my personal credit / data / SS information ; or worse ; ( confused me with someone else within their system ).

I am kindly requesting a formal investigation Into why this has occurred along with answers as to why I am locked out from seeing my own personal information with no option for resolve.

As you know Experian is 1 of the 3 largest most influential credit reporting agencies in charge of reporting and protecting peoples credit data here in the US and the world.

Please Note : I am forwarding a formal request VIA Registered Mail to their office ( ( Experian Inc. / FreeCredit.com. as their is no other way of addressing and resolving the issue via their internet site or phone. 

Sincerely, Thank you!
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc (TX)

XX/XX/2020 I contacted Hunter Warfield Collections and spoke with XXXX. I clearly asked about a account regarding my wife XXXX XXXX. XXXX only asked for my name as identification and nothing else. He clearly discussed my wifes debt without her consent. He also clearly stated that there were not any notes disputing the account. After he acknowledged we have called in several times and did indeed dispute that the debt is not ours. But we were threatened by the original debtor to pay the debt or they were going to sue us. Which is illegal. XXXX clearly stated on a recorded line clearly all of the debt that is owed without any identification other than my name. No address, social not even phone number was obtained to verify who I was. I was with my lawyer on this call and we recorded this as well. As texas is a one consent party state allowing recordings. Once I notified XXXX of his errors he quickly recovered and tried to say he discussed this with me. Because my name is on the debt as well. That was never discussed on the call and again even if so no ID other than my name was used when he gave private information. Hunter Warfield as you will hear in the call also has not been handling the account properly. By not disputing this and kicking it back to the original debtor. Especially when there is a written threat of suing by owner to us.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (NV)

NATIONAL CREDIT SYSTEMS says opened XX/XX/2016 balance reported {$3700.00}. Submitted executed contract that clearly states the account is to be deleted by property management company and that the balance reported was never correct and they refused to delete. XXXX and XXXX   deleted the account after receiving the executed contract and investigating, XXXX chose not to. In addition, XXXX will not allow a dispute though it has been over 2 years since the last dispute date and claim they will not allow me to dispute the fraudulent information again in the future.
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (TX)

I am filling this complaint agains XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX TX and Attorney XXXX XXXX. They are suing me for a debt for {$2900.00} for a debt that is not mine. I being serve 2 time in my house & 3 time by mail for the same debt ( cause no. XXXX XXXX ). The harassment does not ending. I mail them at the address above the following I provided them with copies of my 3 credit reports from the mayor credit companies which clearly show that there is & never being collections, late payments or nothing negative in my credit reports. I provident with copies of my XXXX going back 20 year of my military carrier showing the that my SSN is not the one they are looking for. Copies of my last 3 security clearance going back 15 year ( in my line of work I can not have credit problems or I be dismissed ). The name of 12 persons in my area that have my same name or a variation of my name. They dont stop.
Consumer complaint received 2021-09-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (MI)

Robo dialer calling me repeatedly 50 times in a row. Constantly calling over and over and over again. Without stopping. I've had to turn my phone off. And I've blocked the number and it still calls. Even after speaking to them it continues. Calls come at all hours of the day, early morning, midday, late night, doesn't matter, but it's almost always at least 20-60 times a day, every day for the last 2 months.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Hello. Im attempting to purchase a home and my underwriters are asking if I have ever lived at XXXX XXXX XXXX, XXXX MD, XXXX. I have never lived there nor have no idea how this address is even listed on my credit report. The date reported was XX/XX/2019. I highly assure you that I have no explanation or how this address is even listed on my credit report. I feel I may be a victim of identity theft or there is someone who does not have anything better to do than to steal my SS and use it on the the day before XXXX. I would really appreciate any assistance on removing the listed address above from my credit report in hopes it does not derail my chance for a new home. Be well and thank you!
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # 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 f urnish a account without my written instructions.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXXairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-19
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-09-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: EQUIFAX, INC. (OH)

There was a XXXX XXXX account opened in my name. I have told them the situation and they continue to hassle me about it. I have never had a credit acceptance account. Someone stole my information and obtained a vehicle under my name and I had no knowledge of them doing it and XXXX XXXX continue to collect on it and I had no knowledge of it. I understand that someone opened the account and it appears as it was me. It wasn't and I am not the person that opened this account.