davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
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. (CA)

Cant say enough terrible things about this shady company. Initial request for extension during death in family denied about 5 times escalated to supervisor and office of the President they honored.

I was going to refinance because of the denial but stayed because they honored they waived the balance which was fine then to my surprise they screw me over in my credit profile Ive never had 60 -90 days on any account in my entire life nor prior to or after with this account I was advised allow one billing cycle for it to be corrected twice then when that didnt happen and I followed up was advised info is reported accurately however extensions were processed inaccurately and training and coaching was being provided to the employees in question as a result of this.

I again continued to dispute b
ecause o know what I was told many times over 5 weeks ago I was told allow up to 30 days yet again so today I call in supervisor says I do see where a request was sent to update then he says wait what your account is confusing there are definitely somethings in error here and many things not notated properly however they sent you a letter stating it was accurate again no it is not no it is not no it is not.

What kind of scam artists are you seriously? Worst time in life Ive clearly always been on top of this account which has been reiterated by your reps about 20 times now people like that dont get late remarks let alone 3 in a row IMMEDIATELY fix this error your rep again today stated this was done improperly and this should have been rectified however it appears it was not SO FIX IT
Consumer complaint received 2016-10-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

My husband and I opened XXXX checking accounts in Wells Fargo at the XXXX New Jersey branch in XXXX of 2012. We also filled out a credit card application for overdraft protection as was suggested by the banker who opened the accounts, but we never received a credit card which was how they handled overdrafts. Several months later we discovered that we had been issued a credit card and owed them money. We argued that we did not have a credit card with them and wanted to know how was it activated. Any time one of our accounts was low money was transferred from another account. My husband is the family banker and pays the bills on line so he watches the accounts.They had no answers, the card was supposed to be in my name but supposedly according to Wells Fargo, my husband activated it when they called and spoke to him about an account that they claimed was overdue. He was confused about the call and thought it was about one of the checking accounts. We could n't believe that Wells Fargo had activated the credit card by talking to my husband, a card that was supposedly in my name and we knew nothing about. We were angry. They told us that they do n't always send out the cards, we never heard of that. How can you know you have a credit card if you do n't receive one? We sent letters to the main offices of Wells Fargo but they would not do anything, just sent letters patronizing us. We were charged interest and late fees. However the worst damage was the damage to the wife 's credit that Wells Fargo refused to address and has been plaguing us ever since.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX ACCOUNT NUMBER XXXX In accordance with the Fair Credit Reporting Act, this company has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. If the company can not provide the original signed and dated contract stating that I give permission for any alleged debt to be sold to their debt collection agency also including agreement to repay a third party I request that the account be removed from all of my credit reports including XXXX, XXXX, and Equifax.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (SC)

When reviewing my credit report, I found derogatory information entered by Wells Fargo Mortgage. 
My Wells Fargo business checking account is linked to my Wells Fargo Mortgage account. Because the XXXX accounts are linked, I am able to make a mortgage payment directly from my business checking account. 
I also have a Wells Fargo personal checking account and have a monthly mortgage payment auto-draft on the XXXX of each month. 
I elected to pay my XXXX XXXX, XXXX using the business account, which allows me to transfer money to the mortgage. 

Wells Fargo still drafted my personal account and did not recognize the payment had been made via my business account. 
The transaction to my personal account and overdraft fee was reversed by a customer service rep after I called to complain. 

This should have ended the matter, but, it did not. 

I complained, in writing, to the bank from XXXX XXXX through XXXX XXXX, even sending documentation from my business account showing the transfer. There reply was that the transfer was incomplete and the transaction was reveresed. 
If the money was in the bank and they could see it was being transfered, this is not a " non-payment '' matter, this is an electronic banking transaction matter. Secondly, why did they refund the money taken from my checking account, including the overdraft fee, if they did not recognize there was a problem? 

Wells Fargo simply sent " pre '' populated form letters and filled in information unrelated to the problem. The form letters repeatedly focused on a " late payment ''.
Consumer complaint received 2020-09-10
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. (CA)

Cant say enough terrible things about this shady company. Initial request for extension during death in family denied about 5 times escalated to supervisor and office of the President they honored.

I was going to refinance because of the denial but stayed because they honored they waived the balance which was fine then to my surprise they screw me over in my credit profile Ive never had 60 -90 days on any account in my entire life nor prior to or after with this account I was advised allow one billing cycle for it to be corrected twice then when that didnt happen and I followed up was advised info is reported accurately however extensions were processed inaccurately and training and coaching was being provided to the employees in question as a result of this. 

I again continued to dispute because o know what I was told many times over 5 weeks ago I was told allow up to 30 days yet again so today I call in supervisor says I do see where a request was sent to update then he says wait what your account is confusing there are definitely somethings in error here and many things not notated properly however they sent you a letter stating it was accurate again no it is not no it is not no it is not.

What kind of scam artists are you seriously? Worst time in life Ive clearly always been on top of this account which has been reiterated by your reps about 20 times now people like that dont get late remarks let alone 3 in a row IMMEDIATELY fix this error your rep again today stated this was done improperly and this should have been rectified however it appears it was not SO FIX IT
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Im n accordance with the fair credit reporting act account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 u.s.c 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-05-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (DE)

They call and hang up when I answer, when I returned the call they ask if I am who I am and say that they need to verify employment and that I have to pay whether I want to or not. They call almost every other day and hang up and the last time I returned their call they asked me again if I am who I am and I asked why are they looking for me and why do they keep hanging up on me and once again today at XXXX on Friday the XXXX if XXXX 2016 the man hung up on me.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I am trying to update my address with Capital One to the USPS standard of XXXX XXXX XXXX XXXX, XXXX, WI XXXX, but they claim my new address in in XXXX which is incorrect and I do not want it reported to the credit agencies as such, but they will not correct their system issue
Consumer complaint received 2015-04-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

In XXXX of 2014 our automatic payment to Capital One Auto Finance was declined by our bank because of insufficient funds. We completely were blissfully unaware. We did n't receive notice from them ( Cap One ) - but to be fair, we are paperless. So our regular XXXX payment was actually applied to XXXX. Then XXXX to XXXX and so on. We went along like this until XXXX when we were denied a mortgage refinance. We rectified the mistake, but still have XXXX, 30-day late consecutive payments. We do n't think this is reflective of our credit-worthiness as we were unaware that our payments were late. They made no contact with us. 

We submitted a letter requesting a goodwill removal on our credit reports, but we were denied because the reporting was accurate. However, without notice, we were compunding a simple error into an overwhelming XXXX. 

Please advise.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

In accordance with The Fair Credit Reporting Act LVNV FUNDING LLC Account number XXXX has violated my rights.15 U.S.C 1681 section 602A states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-02-24
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: WELLS FARGO & COMPANY (NY)

Wf Bank Na I got hit with a hard inquiry on Inquiry from XX/XX/2018. 
I had spoken with this company and when I applied for the card for XXXX XXXX XXXX they told me would be no hard inquiry once i got one I took care of this right away. They said they would give me a courtesy removal as long as I make my payments which I have been doing. I had called them again Around XX/XX/2018. I never signed any documents giving any permission for a hard pull and would just like the courtesy removal as promised by there customer service team and sales reps.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MI)

I applied for a Best Buy Citi credit card. I see that instead of pulling my credit one time, they pulled it twice. Once on XXXX/2023 and the next day, on XXXX/2023. I did not apply twice.
Consumer complaint received 2016-09-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (PA)

Sallie Mae keeps playing around with the payments made on my account lately. It has now also charged me a late fee when the loan payment was sent via their own website and yet they say it did n't work. Some months it 's fine and other times it 's not- same bank account was used since the date an account was opened. Now we have changed the account since he graduated and we registered that account on the Sallie Mae website and removed the old one and now they charged us {$20.00} return fee because they charged the old account instead of new one. Somebody has to shut down Sallie Mae!!!!!!!!!!
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL ()

The company is Synchrony Bank/Venmo . For months the bank has not reported that I paid this account off. When contacted, they said they held on to the payment without posting it because they do that when there is more than one payment in a period. What is the reason for that? I told them what a hassle they have caused because on a {$300.00} credit limit, a {$290.00} outstanding balance ( false balance ) shows on XXXX that my one credit line is 95 % utilized, thus a negative! A huge negative for someone who needs assistance on her credit score. I asked the company to re-run it or report the accurate information. They did not. Another month has gone by. Now I have to wait 24 days for the inaccurate information to be taken off the XXXX report. I need this company to understand they ruin lives, they dont help lives. Inaccurate reporting hurts consumers and they are not compelled to report accurately.
Consumer complaint received 2015-10-20
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (PA)

Long story short RushCard member, severly impacted by this transitional glitch, been with access to my savings and payroll for 9 days, customer service disconnects after 1+ hours of hold time, lies to me and causes more problems. Been trying aimlessly to have this fixed but when one problem is fixed another arises. I am finally at a point where my card is showing active, my balance is XXXX $ off but close enough considering its XXXX $ i have on this card yet i still have absolutely no access to it. No pos purchases no atm in or out of network and no news of hen i will be able to access it. 
I already discontinued my payroll direct deposit for next week and plan on closing the acct when i get my money. Problem is im a single dad with XXXX kids, i work hard to support them without government assistance. I can barely make it as is let alone dealing with this mess. Please help please
Consumer complaint received 2015-06-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

i have sent this company XXXX letters disputing the debt and asking for validation. I even dispute it with the credit bureaus. They ignore me, but they went ahead and verified it with the credit bureaus. how can they collect a medical debt when i have insurance, plus i dont even know who the original creditor or doctor is.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I received my escrow account statement from my new servicer ( SLS Mortgages ). SLS obtained my mortgage from XXXX XXXX XXXX in XXXX 2015. SLS is trying to force me to keep 2 months escrow payment in my escrow account. The shortage is almost double the 2 month requirement. SLS tells me that they can require me to keep 2 months escrow payments in my escrow account. Is this correct? Why is it almost double the amount of 2 months. My escrow payment for my taxes and insurance is less than what the payment was before the analysis.
Consumer complaint received 2015-12-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Comerica (CA)

On XXXX/XXXX/2015, I was charged an overdraft fee while my checking account was positive - {$35.00} EOD on XXXX/XXXX/2015, according to my transaction register on the bank 's website. According to the overdraft notice, the fee was cause by insufficient funds for transactions on XXXX/XXXX/2015. 
The overdraft notice which was provided included several transactions which did not occur on XX/XX/XXXX, per my account 's transaction register. In fact, XXXX of the transactions occurred after my account had been replenished with additional funds on XXXX/XXXX/2015, bringing me above the previously indicated {$35.00}. 
I went to the branch to attempt to resolve this banking error and spoke with the assistant banking center manager on-site, XXXX XXXX. He insisted that there was no bank error, but said that he could not explain why my account was charged an overdraft while my balance was positive. 
It should be noted that this overdraft fee was charged 3 days after I moved money into a new bank account with another institution. I do not know if Comerica is retaliating against me for deciding to bank elsewhere, but at this point, I am only waiting for final transactions to post before closing my account with Comerica. 

Thank you for your consideration.
Consumer complaint received 2023-03-22
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. (AL)

In XXXX and XXXX, I filed a disputes with this consumer Credit reporting agency about the unverified collection account of XXXX XXXX Account # XXXX. In these months I have tried multiple attempts for validation of this unverified account with these credit reporting agencies. The Fair Credit Reporting Act states that they must verify this account or delete it from my credit report and they have not verified and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this credit reporting company as of today. Thank you
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX did not acknowledge payoff requests in XXXX, and has since refused to provide car vehicle title as requested. Ive since filed several CFPB complaints on the company. The latest being CFPB complaint number XXXX which was closed on XX/XX/XXXX. The complaint outlined the dates over the past 4 years when the account was opened and closed with charged off/written off as bad debt status repeatedly over the past 4 years without any explanation. On XX/XX/XXXX, the company indicated in their response the account was still open, and the car was still out for repossession. In addition, XXXX XXXX XXXX did not provide the 1099-C for the years XXXX for which the account had been reported as written off as bad debt or charged off. Their response contradicts their credit bureau reporting. The account reports newly closed every month which continues to hold down my score. Their inaccurate reporting has caused the loss of funding in the amount of {$350000.00}. It is both unlawful and unethical. XXXX  message continues to be they have investigated, and they are acting in accordance with the law. The are not. They are in violation of several US tax codes, and FTC XXXX. 

The company provided a letter with dates which they received communication from me via CFPB and the Illinois States Attorneys Office. However, neglected to acknowledge the dates of the XXXX delivered letters for which I have receipts for. 

I was also advised by both Transunion and XXXX the credit bureaus do not complete investigations. Nor do they require the company to provide any proof of what they are reporting. I was advised by Transunion and XXXX the company simply has to digitally verify they are providing valid information. Which is another violation of my consumer rights.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — Student prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (TN)

This purchase was made to an overseas merchant for 3 items in which I did not authorized, After, constant attempts to reach customer service in this matter ; I have been unable to reach anyone to remedy my dispute in this matter. There is an large balance from funds that again I did not authorized. Further, I filed a dispute and PayPal dismissed the dispute as not eligible for reimbursement with this transaction. In which the merchant is non responsive and have not replied to any request in reference to this transaction and remains unavailable. The purchase was made on paypal platform, I did not authorize any payment in this amount or for 3 XXXX XXXX  from an overseas merchant. In addition, I have previously filed with this agency about unreleased funds being held for merchandise sold on XXXX  where the funds are being held by paypay past the time frame mandated in its disclosure.