davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: I.C. System, Inc. (TX)

IC System is yet to respond to my dispute which they received as of XX/XX/2020 I want this item removed from my Consumer file immediately, I have Attached Proof of certified mail delivery
Consumer complaint received 2016-08-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (AZ)

I am unable to access my Wells Fargo online account after many attempts calling and speaking with customer service reps and technology specialists. I am forced to call monthly to make payment and when I call I often encounter long hold times which is a major inconvenience to simply make a payment. I feel as though Wells Fargo is unwilling to work with me and fix my account and is now assessing late fees and has reported a late payment to my credit report resulting in a major hit to my credit score and reduced credit lines from all creditors.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. 
A letter was mailed to Experian on or around XXXX/XXXX/15. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. 
I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On XXXX/XXXX/15 I received a notice from Experian stating the following : We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 

In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 

If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. 

However, an Experian confirmation number was not even provided on this notice. 
I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. 
I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! 
I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (VA)

Compliant involves TD Bank On Thur. XXXX XX/XX/2022, I received an unsolicited new account from TD Bank. I tried to call them to correct the issue, only to be held on line for more than 2 hours to discuss an issue with the fraud line. I was informed that my identity had been stolen and provided information to protect my identity. Today, I received another check account from TD bank with an entirely new account number. After the first account I froze all my credit reports. notified all creditors and followed all steps from the FTC fraud check list. I contacted TD Bank again-whom makes contacting them in the first place exceedingly and malignantly problematic, after an 1 hour waiting on hold I talked with " XXXX '' whom would not provide any other identifying information like an operator ID number to identify herself whom told me that the account was now blocked but would not provide any assistance. I asked that she flag my name and address in TD bank to prevent this, she refused. I asked her to check to see if any other accounts with my name/social or address had recently been opened she refused. I asked to speak to a supervisor, she refused. She advised me there was nothing I could do with TD bank to protect my identity. 

I am seeking recourse in the form of some documentation from TD bank that my identity is being actively protected by them as they are the only bank I am having issues with. I also am concerned that they will allow a person to open an account without having that person provide basic documents to ensure ID of new account holder.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have asked the credit bureaus to stop reporting wrong or mis-leading information on my credit report. My name is XXXX XXXX and my address is XXXX XXXX XXXX, XXXX, NC XXXX. I sent in a copy of my license with the correct spelling of my whole name and date of birth. 

I also sent in a copy of a bill to show my address. I do not know any of the other addresses, nor am I associated with any of the other addresses that's being reported. 

I have asked the credit bureaus on numerous times to please validate, as well as investigate the accounts that they're reporting to be mine and delete the ones that are not mine. I also asked for the validation procedure because I have not heard of these accounts.
Consumer complaint received 2016-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

Good Morning, Can you help me get my money back from Wells Fargo Mortgage Company? Between XXXX 2016 and XXXX 2016 ( 7 mo ), through XXXX automatic bill pay, XXXX mortgage payments each month were made to Wells Fargo Bank. I asked WFB to refund the extra payments or apply as future mortgage payments. They refunded four months mortgage payments and applied one month as mortgage payment for XXXX 2016. But two months they refused to apply as mortgage payments and put it toward the principle of the mortgage. I did not authorize extra mortgage payments as she indicated in that letter nor did I ask for any money to go towards the principle. This is not a law ; I was told that this is bank policy. It is my money, why ca n't they do what I asked? My husband and I are XXXX and would really appreciate any help you can give us in getting the extra two months ( {$6000.00} ) applied towards XXXX and XXXX 2016 mortgage payments. Attached is a letter from WFB indicating their disposition of the matter. Thank you, XXXX XXXX
Consumer complaint received 2021-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC (IL)

Basically in a nutshell I paid a bill that I owed the original collection agency XXXX XXXX the bill was in the amount of {$110.00} XX/XX/XXXX. Then I got a letter a month later from Professional Placement I explain to the personnel that I paid that bill. I never heard anything else from the company. XX/XX/XXXX the same bill resurfaces for {$110.00} from a company called Professional Placement they placed the erroneous collection on my file five times for a total of {$570.00} on my credit it looks like I owe five different late payments, I lost XXXX points because of this and the bill has been paid in full. This is the result of selling debt over and over.
Consumer complaint received 2016-03-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

2 years ago, I started paying the loans for my wife. Since she was not paying for them, I offered to pay. However, to " qualify '' for a forbearance program, the loan company had to speak with either my wife or my mother ( cosigner ). My wife was unreachable at the time. The representative stated that my mom had to say " yes '' to the terms and conditions even though she does n't speak XXXX. At the time, I did n't think nothing of it and I just wanted to bring the loan current. Payments were set, from my account, automatic payments. However, the payments stopped. When I called regarding the payments, I was told that in order to continue taking payments, they needed to re-do another " contract '' and had to speak with either my mom or my wife. My wife was not available and my mom does not speak XXXX. After many calls offering to pay, they refused to do another forbearance plan. I was told by several supervisors that they have to do it over the phone and that my mom has to speak XXXX in order to do another plan. 
This refusal has been regarding a supposed California XXXX that prohibits them from making any changes to the loan if the borrower ( my mom ) does not speak XXXX. I have called more than 5 times asking the details of this " law '' but they have refused to tell me which XXXX is it. 
If in fact, there is a law prohibiting the loan company from making any changes to the terms and conditions due to the borrower 's lack of understanding XXXX, then, they have violated such law. 
I need to know what law is the XXXX they are referring, the specifics, so that I can file for violation of the law with the California XXXX XXXX. I feel that my mom and I, have been taken advantage of this predatory loan company. 
Any assistance will be greatly appreciated.
Consumer complaint received 2017-01-07
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: M&T BANK CORPORATION (VA)

I sold my house ( XXXX XXXX XXXX XXXX, XXXX, NC ) and closed on XX/XX/2016. I wrote a letter dated XX/XX/2016 ( see attached ) to M & T Bank, the mortgage company, requesting the " Recorded Release of lien for the property/Recorded Certificate of Satisfaction from XXXX County NC Register of Deeds ( See attached ). Have not received the original note either.To no avail.
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX.
Consumer complaint received 2021-06-06
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: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I sent letter to Experian regarding account from XXXX XXXX  as you can see its well pass 30 days and Ive not received a response. Attach is a letter I sent and copy of certified receipt. Certified mail receipt # XXXX
Consumer complaint received 2015-08-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MA)

Hi, I have a vehicle loan from XXXX XXXX XXXX and last year I was late on one payment mostly because I used to pay my vehicle loan bill with my mortgage and I had refinanced my mortgage and I did n't have to pay that month. Unfortunately I totally forgot about my XXXX XXXX XXXX bill. But as soon as I realized that I paid the bill for the last month and the current month. I was n't notified by XXXX and I had paid the bill before I got their call. On call they said that they will be reporting it to Credit agencies as it was past 30 days. I said it 's fine and I assumed that it will probably be a minor hit as it was one missed payment in 3 years since my loan began and probably the only missed payment since I started paying bills. But I had no clue that my credit score will go down from XXXX to XXXX. Next month we decide to buy a new home and applied for the pre approval. I was shocked to find out what my credit score was. Based on the credit score and just one missed payment, I was being offer a much higher loan rate but I was told that it will be fine by the time we purchase the house as it was still XXXX months away. I was also advised to talk to XXXX XXXX XXXX to see if they could resolve it with credit agencies. I called XXXX XXXX XXXX XXXX times and they never resolved it. On my last call with them, they asked me to raise a complaint with all three credit agencies and they said once credit agencies follow up with them, they will resolve the issue. I went to all three credit agencies and opened the dispute. But I have never heard from them and my FICO score as of today stands at XXXX. And this is all because of one missed payment in 10 years. Since then I have paid all my bills on time and it 's been almost 9 months since I missed the payment. But the credit score is where it was. Now it 's time to close my new home and I had to settle on higher interest rate because my FICO score is low i.e. XXXX. This does n't sound right to me.
Consumer complaint received 2015-09-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

I bank with WellsFargo and they constantly charge me NSF fees unlawfully. I had a debit post to my account on XX/XX/XXXX and then somehow I was charged a XXXX dollar monthly fee and then they charged me an NSF fee after the payment already posted. They constantly credit cash after they debit my account. The bank teller actually gave me XXXX dollars less when I made a withdraw at the bank the other day. This bank is just a bunch of thieves!
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MI)

XXXX was a lease and I paid this lease off and on time. The {$3500.00} that XXXX added to my account was not about the lease, but disputed with XXXX over wear and tear to the vehicle and not terms of credit. This item was disputed in XX/XX/XXXX. I requested to dispute this item again and was denied by Experian. The amount showing is incorrect and was incorrectly reported by XXXX. 
XXXX XXXX was removed and readded on XXXX/XXXX/XXXX to my report after no status was shown since XX/XX/XXXX. Account was disputed because XXXX was reporting inaccurate utilities owed. 
XXXX XXXX was not my mortgage company and is showing on my credit report as a foreclosure. My mortgage company was XXXX XXXX and I have tried in XX/XX/XXXX to get this updated and the wrong mortgage company removed from Experian. Experian refuse to remove this from my record. 

Credit inquiries : XXXX, XXXX XXXX and XXXX XXXX XXXX were not initiated by me, and there is no way to dispute this on Experian on-line dispute.
Consumer complaint received 2016-03-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Based on the Making Home Affordable Program Performance Report through XX/XX/2015, of the XXXX Tier II modification awarded by Wells Fargo, how many home owners from the XXXX XXXX, XXXX XXXX XXXX received these modifications?
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A lady called XXXX from XXXX kept calling me several times. Once I answered the phone she said she was an agent from XXXX. She said my passport number was used for a XXXX passport, and walked me through the XXXX website to convince me that it was authenticate her position. There was another person online, claiming to be XXXX XXXX Police officer. He said he has a warrant to arrest me and the XXXX  agent made me tell the XXXX that XXXX  is investigating and I am cooperating with XXXX. The XXXX agent then said that either I pay or be detained for 5-7 days. They refused to let me call my parents, since they said they would be also be implicated. Then asked me to download XXXX app, and asked me to log into my bank account and transfer {$2400.00} through XXXX Then then tried to persuade me to get me to ask my parents or friends to transfer an additional {$2500.00} to my account. When I refused, they said the police officer will come at XXXX XXXX to collect the money in person. I realized something was wrong and I hung up. 
This incident has left me devastated and shaken up. I have lost {$2400.00} for no fault. I did not voluntarily give the money, but was pretty much held at ransom. 
I would appreciate it, if you could assist me in getting the money back. Thank you.
Consumer complaint received 2020-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (MI)

I want to make a complaint that pnc is blocking the ability of my XXXX XXXX to be linked to my pnc account and I understand that pnc is blocking the ability of everyone 's XXXX XXXX to be linked to their pnc account.
Consumer complaint received 2016-03-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/XXXX I was charged a NSF fee for XXXX due to a check I wrote around 2 weeks before this date. 
Upon investigation and many phone calls I was told the {$37.00} could not be refunded because Huntington has credited me too many times in the last year. One of these credits is due to the last complaint with the CFPB. 
I also found out that Huntington changed my account without my permission to a " Asterix free checking '' When I had a " Huntington 5 account '' I found out I was using ATM and being charged fees also, then found out my account was no longer the Huntington 5 account. 
There was no notice of my account changed, there was no reason from huntington on why it was changed and this was done without my permission. 
I am very upset that the check that was bounced back was not covered under the huntington 24 hour grace. What is disturbing is nobody can answer why it was not covered. All I am told is " It is up to the bank ''. The check would of put my account negative {$21.00} if I would of gotten the 24 hour grace. Thus would of been paid ( I did pay the NSF charges the same day. 
The disturbing part is the Huntington Customer Service. The local bank declared " Personal checks are not covered by 24 hour grace '' Call center agents tell me that I am not eligible for 24 hour grace anymore because of my past account history. Well I was never sent a notice that 24 hour grace is not longer available for me. 
The local banking center says I am eligible for 24 hour grace still and that they are sorry my account was changed without my permission. 
This is a very frustrating bank and I was also told I can never have any money refunded until XX/XX/XXXX. Because you are only allowed {$50.00} a year and the {$300.00} from my last CFPB complaint exceeded that. I thought this would be a good jester from Huntington and did not realize if I made anymore mistakes I was going to be staked out and have all my privileges removed.
Consumer complaint received 2022-09-07
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. (TN)

XXXX XXXX XXXX is reporting on credit bureaus. I have no knowledge of this account. 
I have asked for validation of debt. 
I have asked for proof of ownership that they have bought this debt. Original credit application with my wet signature on it. Payment history of this debt they have failed to provide validation of this debt being mine
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (DC)

I am having no success with reducing Navient student loan repayment. Since XX/XX/2015 I have sought help on the basis of Financial Hardship of which constantly I get aggressive collection practices by Navient. I no longer receive XXXX income sources and that has been in effect for over 2 years. My income is SS only of which that amount is {$810.00} per month. Navient has aggressively stated they have provided help to me of which I still have to pay the full amount of {$180.00} per month. This is not the only liability that I pay into causing me to be over-extended.
Consumer complaint received 2015-07-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (FL)

THE BANK IS GIVING PERSONAL INFORMATION TO A THIRD PARTY WHO HAS RIGHT TO KNOW ONE INFORMATION.. THE ARE MIDDLE MAN BROKER CALL FORWARDER THEY OBTAIN THE ASSIGNMENT AN THEN THEY SEND IT OUT ACROSS THE COUNTRY TO A XXXX COMPANY WHO DOES NOT HAS ANY AUTHORIZATION TO KNOW MY INFORMATION.. ON TOP OF THAT THEY CHARGE THE BANK XXXX TIMES THE AMOUNT OF A AVERAGE REPO CHARGE TO THE COMSUMERS. YOUR JOB IS TO PROTECT US BUT THIS CONTINUE THERE ARE LAW BEING VIOLATED YOU MUST PUT A STOP THIS ABUSE.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

I have been demanding Equifax to remove XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX from my credit report. This has been going on since XXXX of 2022. I never gave them written permission to report these on my credit report. They continue to report inaccurate information. This is identity theft. I have lost confidence in Equifax and will no longer extend my credit until everything is resolved.