davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

In XXXX of XXXX, my Wells Fargo checking and savings accounts were closed due to being charged multiple overdraft fees erroneously. Since then, Wells Fargo and I have settled in arbitration and Wells Fargo has reimbursed me via a check and a stipulation in our agreement was to remove me from XXXX XXXX XXXX within 30 days of receiving the signed settlement agreement from me. 


I submitted the signed settlement agreement in XX/XX/XXXX and it's now over 1 full year and I am still in XXXX XXXX XXXX. Wells Fargo failed to uphold the stipulations in our settlement agreement. 


On XX/XX/XXXX, I applied to XXXX  XXXX XXXX and XXXX for a Checking and Savings account and both denied me due to the negative reporting on XXXX XXXX XXXX due to the erroneous information furnished by Wells Fargo. 


Ironically, Wells Fargo opened a brand new checking and savings account for me on XX/XX/XXXX with no issues and so did XXXX XXXX. 


Due to being denied, I am missing out on the new account promotions for {$200.00} that XXXX  XXXX XXXX offers and the that XXXX offers. 


I am considering filing a suit against Wells Fargo for not adhering to our contractual agreement and it's been over a year. 


I do not owe any bank and I have no poor history with any financial institute and Wells Fargo has made it difficult for me to bank with leading competitors in their market by furnishing erroneous information. 


I have attached corresponding documents including the remediation letter that Wells Fargo sent me which included a certified check refunding me the overdraft fees and also a copy of the signed settlement which proves that Wells Fargo was supposed to remove me from XXXX XXXX XXXX within 30 days of receiving my signed agreement copy. 


I am formally requesting a reconsideration from XXXX XXXX XXXX to open up an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for me. I am also requesting that XXXX open up a Virtual Wallet with Performance Spend Checking and Savings Account for me.
Consumer complaint received 2017-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

My late father, who died in XXXX, had 2 telephone line accounts with XXXX XXXX XXXX since the XXXX : a primary residence line and a secondary fax line for his at-home law business. I moved in with him to care for him as he became ill shortly before he died ; after he died I continued making the monthly payments for both lines, but I did n't need the secondary fax line anymore since I do n't use fax machines. Moreover, the fax line was disconnected by an XXXX XXXX XXXX XXXX technician who was trying to fix the primary phone line XXXX excessive static, dropped calls XXXX. I told the technician to just close the fax line account since it has n't been used for a couple of years since my father died. Then I called XXXX XXXX XXXX and told them to cancel the fax account & upgrade the DSL service on the primary line. But instead of closing the account, they just kept billing me for another 2 months. They refused to close the account & instead kept billing me ; for 2 years I paid every monthly bill even though I never used the fax line, and after the tech disconnected it, I closed it then stopped paying the bills. That is where the current debt originated, but it was only my father 's account all along since he alone signed the contract & he alone used the account. XXXX XXXX XXXX then reported it to the credit bureaus under my father 's name over 5 years ago. So not only is the debt not mine, but there should n't be ANY debt at all since I closed that account many years ago. 

Then, about 2 months ago I get a letter from a collection agency threatening to report me to credit bureaus if I do n't pay this debt. I call them, IC Systems, Inc., explain the above and they hang up on me after a heated argument. Then two weeks ago I get another letter offering to settle the supposed XXXX XXXX XXXX debt of {$280.00} for {$84.00}. And a week ago I get a credit alert that a new collection account has damaged my credit profile. So a debt that is n't even mine & is n't even legitimate is now ruining my otherwise perfect credit history. So I go to IC System 's website & pay the {$84.00} in order to end this nightmare & remove the fraudulent collection account from my credit report. But after I make the payment, a get a message from IC System that I still owe {$190.00} on my account!!!! Furthermore, the fraudulent account is still on my XXXX credit report doing severe damage to my credit score!!
Consumer complaint received 2017-07-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: First Data Corporation (RI)

On Thursday,  XXXX   XXXX ,    2017, I went to pay by check for tires I had put on at   XXXX   XXXX   XXXX   in Rhode Island.    They ran my check through Electronic Check, Powered by Telecheck , A First Data Company.    My check was denied. There are/were more than sufficient funds for this transaction.   I was mortified and humiliated in front of other customers.   When I returned home I called the bank and was informed it was denied by them.   I then called Telecheck and was informed I did n't have an account with them.   Of course I do n't, THEY ARE NOT A BANK OR FINANCIAL INSTITUTION IN MY AREA This should not give them the right to deny my payment without going through the bank on the check.   This is so unacceptable!
Consumer complaint received 2022-04-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Inaccurate reporting has caused stress an anxiety the last 2 years fighting the Credit Bureaus of violations that they choose to ignore. Late, missed payments, each bureau reporting different payment history information has caused damaged to my life along with covid. I've received mail stating these accounts been verified and still today I have yet received my wet ink signature on none of these accounts. I inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. This is Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowningly transferred, possessed, or used, without lawful authority, means identification of me which is a felony. 
It so sad that you send documents in to the Bureau and they don't their job.
Consumer complaint received 2021-07-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch (TN)

Through XXXX XXXX it was suggested that I apply with AutoPay to for a lower payment and interest rate. I contacted them and forwarded to them all the documentation requested ie ( driver 's license, pay stubs, W-2 's, insurance ). I was told that I was approved but was unable to reach anyone except through emails and if I tried to call, only got voice mail. Then through texts today I was told they never received my phone numbers, etc and just began to get an " uneasy '' feeling. I FINALLY spoke with XXXX XXXX and she changed the whole conversation that " their lenders '' since the car was a 2012 XXXX XXXX which they have known that, was going to cost higher payments and only do 48 months. When I did a search of " XXXX '' phone number XXXX, it was " unknown ''. Also another number was for her home address. I have copies of texts and can send them to you at a number if you would like. Something just does not feel right with this business and they have all my personal information.
Consumer complaint received 2019-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (IL)

Spoke with my relationship manager and was told to call back XXXX XXXX At XXXX ext XXXX XXXX XXXX. 

When I called using my cell number of record my call continued you say my relationship manager is unavailable. 

The reason for the call was to verify that all of my profit and loss from my self employment income was received. 

Again, I attempted another call today from the same number of record on my file no answer. 

I decided to call from another number and lucky my relationship manager answered the phone. 

I informed my relationship manager XXXX XXXX that I had not be able to reach him from my number of record. 

Immediately, my relationship manager said he is no longer my relationship manager. 

I told my relationship manager he was suppose to advise me my status of documents requested was received. 

He told me I have instructions that I can not talk with you. 

Now, I feel like someone is retaliating against me because of the complaints I have had recently. 

Also, my account has been switched back and forth and two many people keep telling me different stuff.
Consumer complaint received 2019-06-06
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. (NY)

Transunion has two 30 day late marks One for XXXX XXXX XXXX inXX/XX/2019, and one for XXXX XXXX XXXX in XX/XX/2019. Both Companies in a 3 party call with my bank have agreed to remove the Late on all three credit reports due to a banking error. The other 2 credit reports have already dropped these two 30 day late remarks. They only remain on Transunion and they were supposed to have been removed. Please take them off asap.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DIRECMANAGEMENT, INC. (AL)

XXXX Disputed with Direct Management, failed to provide any proof and I had no knowledge of these debts.. 
XXXX Disputed with XXXX XXXX no info provided advised info was correct XXXX and XXXX have investigated and removed collections
Consumer complaint received 2024-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I believe the account is invalid. CREDIT COLLECTION SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.CREDIT COLL XXXX
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

American Express is not working with me to resolve this long over do issues and Im still being charged with excessive interest fees and excessive interest rates charges and cash advances I know nothing about even though it states XXXX balance but it also states cash advance activity on the billing statements for XX/XX/XXXX what is going on? And I been paying high interest fees and high interest charges to that cash advances noted on the billing statements. The months of XXXX and XX/XX/XXXX neither of those months on the billing statements had cash advances noted on the statements. The balances are incorrect and on XX/XX/XXXX pay overtime direct interest rate 17.49 percent balance {$11000.00} and promotional pay overtime direct balance {$11000.00} why do you have 2 pay overtime direct balances? This is double billing charge and double billing with fees and interest charges.
Consumer complaint received 2017-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

I have asked Wells Fargo many times to stop the solicitation of offers. This has been very distressing to my wife and I because all we want to do is make our mortgage payment and ensure it is applied correctly. The first complaint that was submitted to the CFPB on XXXX/XXXX/XXXX had the same problem listed. Wells Fargo agreed on XXXX/XXXX/XXXX to discontinue all solicitations within 60 days. It is now past 60 days and I am having problems navigating the website because the first thing I see is solicitations. I open my mailed mortgage statement and there is solicitation paper that falls out for credit card offer. On my mortgage statement there are 3 additional offers. These include an offer for a new mortgage, an offer to refinance my mortgage, and an offer to buy home and auto insurance. 

The payments that I make are very confusing to understand if they are applied correctly and on time. On my mortgage statement once I am able to get through all of the offers I see 2 lines for 1 payment. I have no trust with Wells Fargo because each person advises me differently and Wells Fargo does not follow through with their promises.
Wells Fargo refuses to talk to me on the phone since my phone automatically records all phone calls. This is a problem because I have to wait 10+ business days for a response by mail. Many of these responses I have been promised have never been received. The responses that are received are never followed through with such as removing solicitations in 60 days. The last time I spoke to Wells Fargo on the phone I was advised that I should pay past the due date to accommodate their payment logic. I am worried that Wells Fargo is going to foreclose on my house since they will not speak to me on the phone and is advising me to pay past the due date. 
Complaints with the CFPB have seemed to be ineffective.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

THERE ARE CHARGE-OFF ACCOUNTS ON MY XXXX, XXXX  AND XXXX  CREDIT REPORT THAT DONT BELONG TO ME. 

1 ) CB INDIGO CBNA ACCOUNT # XXXX 2 ) CITICARDS CBNA ACCOUNT # XXXX 3 ) XXXX/XXXX/XXXX  XXXX  ACCOUNT # XXXX
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (PA)

On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (TX)

I have disputed multiple inaccuracies on my credit due to third party companies having my information; closed accounts in open status with active balances, incorrect balances and reporting ; incorrect spelling of my name; incorrect addresses ; inaccurate late payment reporting after negotiating terms with creditors.
Consumer complaint received 2021-07-20
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: Experian Information Solutions Inc. (FL)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2019-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

I have had insurance since i was younger. I do not owe any medical debt and have tried numerous times to get this removed by contacting the collection agency, and the 3 credit bureaus. Still nothing. Time after time and they won't remove something that is not mine.
Consumer complaint received 2019-11-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (KS)

I had originally applied for a refinance with Amerisave mortgage corporation on XX/XX/2019. This refinance was denied. I was texted by representative from the company on XX/XX/2019 stating that he felt horrible about loan not getting approved and had escalated the review of file and has approval from his team to close the loan the way we set it up initially. This was going to be a quick approval and that all I needed to do is sign the new disclosures. No appraisal would be required as initial appraisal would work since it was done with prior loan application. I was in the process of working with another lender and stopped that process as I was assured this was a " sure thing ''. The refinance application was submitted on XX/XX/2019and I was assured I would not take more than a couple weeks. I was given initial set of disclosures with a closing cost of {$8600.00} on an {$160000.00} loan. This is well above the average closing costs for a home loan of this amount. Then on XX/XX/2019 I was given another disclosure where the closing costs had shot up to {$10.00}, XXXX dollars making the loan amount now {$160000.00} dollars. The VA denied the loan based off of the points and recoup. I have read several reviews on this company and have found countless people that have been put in the same situation as I am currently in. This company is making false statements in order to get people to invest money and time with them only to be denied. The XXXX loan denial I was ok with as sometimes the numbers just do not meet up. The XXXX denial where I was assured it was a sure deal is false and malicious in nature and companies should not be able to conduct themselves in this manner. I have communication from the company and its representatives that states it was approved, that I would be more than happy to share. This has delayed my process with another company that I have worked with in the past and put my family in a bad financial spot as I was told to skip a mortgage payment as this one would close before it was do. This company can not continue to do this to people.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO. (MI)

Ford Motor Credit Continues to violate my consumer rights by reporting on my XXXX credit report as having late payments. I have never been late on this account and I have continually disputed this account and XXXX fails to verify accuracy of this account.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$270.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} There are no contracts, no valid claims ... accounts were settled with original creditors by insurance carrier and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

While viewing my credit report I have a few hard inquires from when I applied for a mortgage starting in XX/XX/XXXX. I thought applying for a mortgage within a few months was counted as only one hard inquiry. 

XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XX/XX/XXXX All XXXX of these hard inquiries are for a mortgage I closed on XX/XX/XXXX with XXXX XXXX These hard inquires appear on all reporting agencies on my and my wife 's credit reports Thank you
Consumer complaint received 2020-05-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

Submitted complaint on XX/XX/20 about a collection being placed on my credit report. I was never given the option to dispute before it was on my report. I requested debt validation and never received the validation after 30 days. This should be removed as they failed to verify in 30 days.