davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-20
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My accounts was closed they're supposed to send me a check for my balance they said 7 to 10 days it's been over that I've never received anything call multiple times they've hung up on me multiple times as well when I asked to talk to the manager they refused they told me everything but actually let me and did everything besides give me their manager I'm still waiting for my check
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BARCLAYS BANK DELAWARE (IL)

In late XXXX, I sought the services of an accredited non-profit debt relief counseling services, XXXX XXXX. My Barclays account is part of the debt management plan, and the plan was submitted to Barclays a few weeks ago. This morning, I was informed by the counseling service that " Barclay [ s ] is having an issue reviewing and responding to our proposals. It is an internal issue on their end that they are still trying to resolve. '' and to " Please be advised, the creditor has had this issue for at least two months so we do not except a response soon. '' Needless to say, this is of absolutely no help to me when it comes to paying off the acct.
Consumer complaint received 2019-06-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (VA)

On XXXX XXXX, 2019, Wells Fargo, ( herein " WF '' ) found a new way to charge overdraft and return item fees. None of the actions taken by WF is technically illegal. WF announced by letter that the bank was amending the terms of its Line of Credit Agreements to allow the bank, without prior notice, to close the account if it had had no activity for one year. I spoke to customer service, informing them that the ability to close the account without notice had an effect on many customer 's deposit account agreements, as these lines frequently serve as overdraft protection for the deposit accounts. That means that a customer who inadvertently overdraws their deposit account -- or who intentionally writes a check over the deposit account balance -- may be subject to overdraft fees or a dishonored item with a fee-without actually knowing that the line of credit account had been closed by WF without notice. The Customer Service person I spoke to was forced to agree that I had correctly interpreted the terms of the account change. 
Customers often do not know or understand the effect of the change of terms. As an attorney who wrote these terms for the former Wachovia bank, I do understand them and find the " without notice '' clause a unfair and deceptive action. Customers can protect themselves by taking a minimum advance from the line of credit and paying it back on the next day. However, since the lines of credit were sold in part as overdraft protection lines, it is grossly unfair to allow the bank, particularly this bank with its recent customer service debacles, to take this action, The bank should absolutely provide a prior notice to shutting down the line so that customers can take appropriate action to protect their good credit standing on their deposit accounts. I can not determine if WF is taking this step to increase overdraft and returned item fees or if it is closing accounts without notice to control the access of employees to these lines of credit. Did CFPB order Wells to take this action to " clean up '' its house? If it did, the result is still unfair.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-09-13
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. (NY)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2020-08-21
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. (NJ)

Please find below supplemental information in regards to CFPB complaint XXXX filed on XX/XX/2020. 


As you can see from the attached invoice proof, the merchant Wayfair does not list the financing plan selected by the customer. 
1. ) See attached invoice dated XX/XX/2020, order number XXXX, amount {$380.00}, from the attached invoice you will see that no financing plan is showing on the receipt. However, after immediately raising a subsequent complaint with Wayfair upon the posting of the charge, the purchase was supposed to be on the six months interest free plan. Wayfair authorized Comenity Bank to make the change. 

2. ) See attached invoice dated XX/XX/2020, order number XXXX, amount {$1300.00}, from the attached invoice you will see that no financing plan is showing on the receipt. However, after immediately raising a subsequent complaint with Wayfair upon the posting of the charge, the purchase was supposed to be on the 24 months interest free plan. However, Wayfair processed the purchase as a 24 months low APR plan. Since, the time the charge has posted, the customer has maintained that he selected the 24 months interest free option, which was the selection box at checkout.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BOEING EMPLOYEES CREDIT UNION (CA)

My credit card account was in forbearance. The forbearance period ended XX/XX/2020. My payment was due XX/XX/XXXX. I reached out to the bank and requested another month of forbearance because I began working XX/XX/2020. They asked that I provide an expense worksheet and it was emailed to me on XX/XX/2020. I filled it out and had to request information on how to send it to them. I was told that it could only be faxed. I faxed it in on XX/XX/2020. 

I reached out on Friday, XX/XX/XXXX and they stayed that they would request that a representative from XXXX Assistance should reach out to me within the following week. 

I reached out again on Monday, XX/XX/XXXX and asked to know the status. I was told to wait an additional 2-3 days for someone to reach out to me. I was at work and did receive a phone call. The message provided a phone number and extension number. I called after work but it was unable to get a godmother anyone. I called again on Tuesday, XX/XX/XXXX and finally got a hold of a representative on Wednesday, XX/XX/XXXX. 

The representative expressed that since my payment for XX/XX/XXXX would not be able to be placed in forbearance, I was officially 30 days past due. 

I expressed that their lack of clarity and communication had left my account in a questionable state of being. I asked if there was any way that they could waive the late fees for the XX/XX/XXXX and XX/XX/XXXX payment and they Member Service rep stated that she would waive the late fees but there was nothing that she could do to change the credit reporting of 30 days late on my credit report. 

I have NEVER missed a payment in the last 16.5 years of having credit. I always reach out to my creditors if Im even one day late. I would not leave my accounts abandoned. 

Due to their flagging of my account as 30 days past due, it has created a domino effect on my credit by dropping it 63 points and has then led to other creditors closing my accounts that have always been in great standing.
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (SD)

I submitted a request to remove inaccurate information on my credit report and it is still on the report. I want it to be removed as soon as possible.The names to be removed are XXXX. XXXX XXXX. XXXX. These are not my names.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (GA)

I have received numerous letters pertaining to a debt that has been purchased by NCB. My wife, XXXX XXXX has been in contact with this organization multiple times and was given the option to settle the debt. 

First off, this company has purchased a debt that was charged off and reflects {$0.00} owed to the original creditor, XXXX. I have disputed this charge because it is an online transaction that I did not take complete. There is no signature, only electronic authorization using my information. While I received numerous pages of so called proof of this debt, I am still not certain it is my responsibility. 

My wife called and discussed this debt with collectors that agreed to settle this debt for a one time payment of {$500.00}, a portion of what is owed to satisfy the obligation, still not with certainty that this is in fact my debt. The only request she made was to have this completely deleted from the 3 credit bureaus in which it is being reported. Instead the company per a supervisor, demanded we pay the balance in full in order to delete the trade line. This is an unfair practice. The supervisor advised that only for the balance in full would the tradeline be deleted. He also explained that it could not be deleted. This is deceptive and a false statement by the representative of this company. 

I continue to get calls from the organization after she has spoken to this company and they refused to resolve this reasonably. Most recently on XX/XX/2021 she attempted again to pay the settlement offer of {$500.00} if it would be deleted. The representative continued to say the account couldn't be removed. At this point it is harassment. There is no other reason to continue to call to attempt to collect the debt that they hold hostage over our heads and continue to report on my credit bureau.

Secondly, I have researched this company and do not see where there is a license to collect debt in the State of Georgia per their website. Perhaps this company is a scam, and the accusations that money is owed to this company is all a scam.
Consumer complaint received 2020-08-21
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: EQUIFAX, INC. (OH)

Equifax customer service would not help and take care of the negative inquiries reporting to my credit report want Equifax to delete those credit inquiries off my credit report except my.The other 8 inquires must be removed/deleted. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX   XX/XX/XXXX
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

I have 3 issues with this servicing company ; 1-They are located in XXXX, Ill for payments to be sent.when the weather was so bad in XXXX & XXXX the postal service was not able to deliver the mail on time & they did not get my TIMELY PAYMENT until the XXXX of the month & I was charged a late fee- this happened once before & also with another company in XXXX- that I got corrected.I sent Fay Servicing a copy of my money order which WAS ALREADY PAID out to be on time & they still would not waive the {$6.00} late fee.I can not control the weather or the postal service & in this pandemic- I am current- even though the Governor from Florida is allowing tenants NOT TO BE EVICTED for the 5th month & I have 2 who owe for months & refuse to move.the fee should be waived.2-When this company took over the servicing of this loan- they were NEGLIGENT in not handling the escrow account & getting the payment to include the taxes & insurance & actually lowered the payment . I contacted them about this & they stated it was correct. Well it was NOT & then they raised my payment up to {$430.00} from {$200.00} causing me a financial HARDSHIP because they did not handle it correctly & there was a shortage.The normal payment was {$250.00} & never should have been lowered. i can barely survive & this has stressed me & puts me in jeopardy because of their mishandling of the acct.-they need to be accountable for the error.3-I only owe {$34000.00} on this loan & they have forced insurance for more that the loan amount- for {$44.00} of coverage & it is to be for the loan value ONLY- they have made another error & the insurance increased quite a bit & they are overcharging me & I want this corrected. Thank you in advance.
Consumer complaint received 2022-09-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete have not yet been removed nor did you send me anything, you seem to be ignoring my request and this is a violation of my right as a consumer. I sent the letter on XX/XX/2022, but it's been over a month now and I still haven't received any response from you. A legal expert told me in an online forum that this is a violation for your willful and negligent, and non-compliance and I am willing to take it to take legal complaint should you continue your negligence.
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (GA)

Hello, A hard inquiry has been placed on my file that I did not authorize. When trying to reach out to EXPERIAN they make it impossible to speak with a live agent and the phone disconnects me everytime.
Consumer complaint received 2020-07-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (PA)

PNC no longer allows linking to the XXXX app owned by XXXX. It's incredibly frustrating and makes it hard for folks to make donations, pay debts to peers, etc. PNC has done this with Acorns as well. Annoyed and disappointed consumer.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IL)

I have spoken to the vendor regarding credit cards balance they have confirmed they have been reporting correct balance since XXXX to credit reporting agencies. I have sent letters to all 3 credit reporting agencies since XX/XX/2020 but balance still has not been updated
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted comprehensive documentation, including the FTC Identity Theft Report, Police Report, and a Statement with clear identifiers. These documents outlined that the XXXX XXXX XXXX account, opened on XX/XX/XXXX, with the account number XXXX, was not initiated by me but by someone else through Identity Theft. Despite compelling evidence provided by the XXXX XXXX Police Department confirming the fraudulent nature of the account, Transunion, XXXX, and XXXX have refused to remove it from my records. XXXX has already taken appropriate action by eliminating the account due to Identity Theft. 

Transunion and XXXX failed to furnish any evidence indicating my involvement in opening the account or justification for retaining it on my record. On XX/XX/XXXX, I supplemented my claim of identity theft with further evidence, including a signed document from an in-patient facility, demonstrating my incapacity to engage in any financial transactions, such as securing a car loan, during the period when the fraudulent activity occurred. Despite this, XXXX persisted in its refusal to remove the account, providing no substantive rationale. I am including a completion letter from the facility attesting to my confinement during that time, along with the police report and XXXX affidavit. 

In response to XXXX 's communication on XX/XX/XXXX, asserting the conclusion of their investigation into my identity theft claim, I maintain that their decision is erroneous. They have failed to present convincing evidence or transactions validating my involvement in the procurement of the vehicle. Their continued reluctance to remove the account and inability to provide accurate proof of my presence during the purchase necessitates my pursuit of legal action if prompt resolution is not achieved by expunging this account from my credit reports.
Consumer complaint received 2022-09-13
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. (FL)

XXXX i signed a 60-month contract agreement with XXXX XXXX XXXX i begin having financial issues unable to make payment on time. recieving late payment statements stating of my failure to make payment on time. XXXX is reporting the contract is 72 months and my first and last payment was XXXX. ive submitted supporting documents from XXXX  however XXXX and experian seem to state XXXX  is verfying the debt, i recently made complaint with cfpd regarding XXXX adverse action regarding not reporting correct information and XXXX, and they deleted the account from my report.i submit compliance with business consumer alliance against XXXX  and they fail to reply.
Consumer complaint received 2020-08-20
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 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened a mortgage account with SunTrust 11 years ago and at that time a checking account was required in order for the monthly mortgage payments to be drawn. No other activity was done on this checking account other than the monthly mortgage payments. In XX/XX/2022 a {$25.00} maintenance fee was deducted each month. I didn't notice this until XX/XX/2022 and by that time {$100.00} had been deducted. I called Truist and learned the checking accounts are no longer required for mortgages and that a {$25000.00} balance is required in order to avoid the {$25.00} maintenance fee. None of this had been communicated to me. I immediately closed the checking account and a {$25.00} refund was issued but I am seeking a full refund of the remaining {$75.00}. I have letters at the time of the merger that stated nothing will change ; I phoned the bank at the time of the merger and was told nothing would change and no action was needed on the part of the customer. An inquiry with Truist was escalated for research on XX/XX/2022 but no response has been received. I've spent hours on the phone attempting to resolve to no avail.
Consumer complaint received 2020-07-01
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. (MA)

On XXXX/XXXX/2020, I attempted to initiate a dispute for a false item on my credit report from Equifax. There were two different links to initiate such a complaint, but after clicking both links, I got a message that Equifax had refused to open the page. There was no working link anywhere to contact Equifax.
Consumer complaint received 2022-09-13
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. (NY)

I see a XXXX XXXX XXXX account open that's associated with my credit history. 

Based on the record, the account was opened on XX/XX/2022, and has a credit limit of {$6000.00}. 

I have never opened any accounts ( checking, saving or credit card ) with XXXX  XXXX XXXX. Thus the account doesn't not belong to me.
Consumer complaint received 2018-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RAB PERFORMANCE RECOVERIES, LLC (NJ)

1. I am not certain what or how I came to owe this company.

2. The address listed in the complaint is more than 20 yrs old XXXX XXXX XXXX XXXX, XXXX NJ and the filing date was XX/XX/12 at which I was at my current address at XXXX XXXX XXXX XXXX XXXX, NJ XXXX 3. I have tried to contact this company but can not pin down a viable telephone number or address.

4. This was filed in XX/XX/2012 and I filed for Bankruptcy on XX/XX/2012, so it should have been included, but does not appear except some where of public servers.