davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (NC)

I spoke with Wells Fargo 's representative on Thursday XX/XX/XXXX and I was addressing to her my concerns that I have had for Wells Fargo for all the hardship that Wells Fargo have caused in our life from their knowing negligence. 
Unbeknownst to us, we were charged for insurance that we did not need nor request. As a result, we have received late payments marks on our credit report as well as even had our vehicle repossessed. Because of your negligence in overcharging us for a service we did not need nor request, we have experience numerous hardships. 
On XX/XX/XXXX my husband sent an email and letter to XXXX XXXX XXXX regarding our account. At that time, Mr. XXXX was informed that we were trying to purchase a home and asked for help in debt forgiveness for late payments on the account. Mr.XXXX   was also informed him that we were leasing to own because of the credit history with Wells Fargo. We were not late due to the charge of the insurance we did not need because we had our own insurance. Our vehicle was even repossessed due to the CPI that was caused by Wells Fargo overcharging and as a result we had to pay so many fees to obtain our vehicle. My husband also informed Mr. XXXX that I have a chronic illness that has impaired my ability to work and we were on one income and have been for the past few years. 

Mr. XXXX disregarded our email and the letters that were sent to him. So once again because of your negligence we ended up being XXXX.
Consumer complaint received 2023-03-24
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. (TX)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

They called me pretending like they are going to serve me with a summons to appear in court and it's all a lie. XXXX representing themselves and would not send me a letter even though I asked XXXX. I have XXXX of the conversations recorded. They did not state the mini XXXX. They won't give me their info because they're hiding behind the phone. They won't send me a letter because they know what they're doing is illegal.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried numerous times to get the credit bureaus to remove fraudulent names and addresses on my credit report, after sending letters and disputing these fraudulent personal information reported on my credit file, Transunion, XXXX, and XXXX still hasn't removed under the fair credit reporting act. The only name that should be reported and showing on my credit reports is as follows : XXXX XXXX XXXX XXXX. The only address that should be reporting on my credit files should be as follows : XXXX XXXX XXXX. XXXX, NC XXXX. All other names and addresses are fraudulent and must be removed, the following are the fraudulent names and addresses as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX   XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX
Consumer complaint received 2019-10-23
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. (OH)

information on the credit report that is not mines. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MN)

I have previously corresponded with LoanCare through its website and by mail regarding the reimbursement of my XXXX second-half property taxes that I had to pay directly to XXXX XXXX because LoanCare had failed to make the payment despite there being sufficient funds in my escrow account. I am still waiting for the reimbursement despite being told on XX/XX/XXXX, that I would be getting reimbursed for the payment. Enclosed is the notification from LoanCare that I would be receiving a reimbursement ( Exhibit A ). 

I will again provide some additional background of the situation. On XX/XX/XXXX XXXX I received a past due property tax statement from XXXX XXXX ( Exhibit B ). I immediately contacted LoanCare and after several transfers and call backs, I was assured it would be paid. It was not. I received a second notice from XXXX XXXX on XX/XX/XXXX XXXX showing the amount still owed and the assessment of additional penalties ( Exhibit C ). The total was {$3100.00}. I again contacted LoanCare and received no response to my inquiries. Given the approaching deadline of XX/XX/XXXX, I paid the taxes directly ( Exhibit D ). Then after more calls and emails that were not responded to, I finally received the email saying I was going to get reimbursed. However, that has not arrived despite several emails. 

I also contacted XXXX XXXX XXXX XXXX XXXX and they confirmed that it was my payment that they used to satisfy the XXXX second-half property taxes ( Exhibit E ). LoanCare never sent a check to pay these taxes. 

This process has been very frustrating, and I would ask that you reimburse me the {$3100.00} as it is owed and I was promised. 

I have also attached the last letter I sent to Loancare
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (NY)

I closed my account due to poor service and a single fraudulent charge. I told the agent to close the account and not to open another card and that I would be going to another bank. My card was closed permanently and I was not able to open a card at another bank in spite of my impeccable credit worthiness. I believe Citibank XXXX XXXX  XXXX XXXX XXXX, SD XXXX phone XXXX put a security breach of some kind on my credit in error. I have called a number of times to no avail. I have also called a number of times trying to open my original account to no avail. I have written a letter and received a denial of my applications and requests. Upon telephoning the company I receive a recording telling me that they are receiving too many calls and I need to call back later.
Consumer complaint received 2021-04-08
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: HUNTINGTON NATIONAL BANK, THE (OH)

I have not supplied proof under the doctrine of Estoppel by Silence, Engelhardt v. Garavans ( Mo281 SW715, 719 ), I presume that no proof of the alleged debt, therefore any such debt, in fact exists. 


I never authorized this account.
Consumer complaint received 2023-03-24
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)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMW Financial Services NA, LLC (GA)

On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (IL)

I reported a Fraudulent account being opened in my name at TD XXXX  ( XXXX XXXX XXXX ) re : XXXX  XXXX  on XX/XX/2020. I can not find a way to communicate with this entity to resolve this matter. I initially communicated verbally to the customer service department on XXXX and reported the fraud, they in turn opened a fraud case and told me the account was blocked. I submitted by mail to TD XXXX, the Federal Trade Commission Identity Theft report with proof of identity and all associated documents to support my position and fraudulent account. Note, at this time XXXX monies were drawn on the account. Since then, unknown to myself, the account had been released and monies were dispersed. As of XXXX the account is in default and TD XXXX  is reporting this negative information to the credit agencies against my credit. Since that date I have tried countless times to communicate with TD XXXX  Customer Service @ XXXX, being left on hold for hours, as long as 4 hours, for weeks unanswered or being answered and then subsequently disconnected. TD XXXX  is virtually impossible to contact anyone who can assist to resolve the matter. I have mailed hard copies for a second time requesting this account be removed from my credit, still no answer in any form. Finally, today XXXX I was answered and during the call I was told the agent was unable to help and indicated I would be receiving something in the mail, sent 10 days ago, then the call disconnected, without a resolution or callback. I have been told from every person at every available phone number for TD Bank ( I'm assuming the parent company ), this is the only phone number and department who is able to help. Obviously, this is a bank and credit card company who doesn't care, regardless of the consumer conscious, and quality of service messages which are played while on hold. I did my due diligence in XXXX to protect TD XXXX  's interest 's and unfortunately, no one was paying attention, and still isn't.
Consumer complaint received 2020-10-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: UHG, LLC (KS)

Before covid hit some time around XXXX I think it was summer, they were taking {$100.00} out of my account, this payment system happened for a few months 2-4. Then for some reason the payment stop taking from my account, not sure why. So I didn't think much of it, now my getting calls all the time, XX/XX/XXXX around XXXX XXXX that called my job to collect, luckily I answered the phone, I told them not to call my work again. XX/XX/XXXX I get a call on my cell this time at XXXX during my office 's covid testing time. I told them repeatedly I was at work, they kept me on the line. Not only did I get in trouble, they said they'll call my job again if I don't pick up the phone, the next day. In just 2 days my work life has been miserable, between my co-workers gossiping or bullying me about the calls, getting in trouble for the calls happening during work. Which is making my XXXX worse.
Consumer complaint received 2020-11-16
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. (CA)

I lost my wallet, causing me to have unauthorized charge on my XXXX  XXXX credit  card. I had try dispute the account XXXX XXXX, Bal : {$3700.00} ) with Experian, XXXX, and XXXX. They had taken this account off my credit report, but now it's back on my credit report without notifying me, I had disputed again and provide them proof that it was unauthorized use of the card.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: COMMERCE BANK (MO)

I use commerce bank. On Monday the XXXX of XXXX i deposited a money order for XXXX into my account. They put a 7 day hold on it for a XXXX reason. They still have not released my money for me to use but they have sure started taking part of it. They keep XXXX  my account everyday and changing deposits and transactions around to make my account go negative so they can take more money from me. They are theives and XXXX and someone needs to stop this XXXX before i do. And i do have proof of everything they have done to my account and the money they have stolen from me
Consumer complaint received 2020-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I had run my credit report and I found out that I had a debt collection reported on my credit by seeing this I had send them letters explaining this debts is not correct that this debt So when I saw this I deiced to write a letter to them and to XXXX  which I also send a copy of the letters I sent to ERC on XX/XX/2020 I had send a registered certified mail to let them know what is this ( see attached document ) which I have not received respond. 

On XXXX XXXX I send them another letter to ERC and XXXX  and I have not received any respond again. ( see attached document ) and 3rd letter was send on XX/XX/2020 agin till today I have not received a respond
Consumer complaint received 2021-04-08
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: WAKEFIELD & ASSOCIATES, INC. (TN)

After viewing my credit report, I found Medical Collection accounts which should not be in there. According to the HIPAA 1996 law section 1681b ( g ) ( 4 ) They are not allowed to disclose such information to any other person, this is clearly a violation to my privacy. My consumer rights has been violated under the HIPAA laws. I did not give permission to release any of my medical information.
Consumer complaint received 2017-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IA)

XXXX of XXXX I had XXXX net work installed. I was told XXXX XXXX would install my internet. When XXXX XXXX came to install it, they said I needed to have phone line installed and to call them. He gave his business card so I could call him/ So I did. Then XXXX XXXX was charging me for the installment. Calls to XXXX XXXX and XXXX XXXX billing manager ( 3 way calls ) did not solve the issue. 
Then XXXX XXXX turned the bill over to Convergent, a  collection agency. I answered their letter but it was rejected for not enough information and sent to the credit bureaus. 
The bill started as {$260.00} and now is {$370.00}. 
I have talked to XXXX XXXX billing, a XXXX ID # XXXX. This is the following information XXXX gave to me. Disconnect order # XXXX, XXXX XXXX, XXXX 
my acct # with XXXX XXXX is XXXX. 
I need this item corrected on my credit bureau reports. All 3 credit bureaus.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 approximately XXXXXX/XX/XXXX EST. I transferred money from my XXXX express checking account to my XXXX mortgage account. A week or XXXX later my XXXX payment was reported to my credit as 30 days past due. I called XXXX bank who verified my payment was transferred on XX/XX/XXXX from my XXXX express checking to my XXXX mortgage via the XXXX online banking. However they stated since it was after XXXXXX/XX/XXXX EST it would not be reported as being transferred on the XXXX because the banks were closed it would be reported the next business day which was XX/XX/XXXX. XXXX will not reverse the 30 day late with the credit reporting agency even though they confirmed the electronic payment from my XXXX express to my XXXX mortgage was made and received on XX/XX/XXXX. The fact that XXXX clearly received funds prior to the 30 days and has record of it, but is unwilling to do the right thing and reverse the 30 day late is preventing us from getting refinanced. In addition to this, it shows on XXXX rules and regulations that internet banking cutoff time is XXXX : XX/XX/XXXX. I made the payment via electronic transfer from my XXXX account to my XXXX mortgage prior to 30 days. All I'm asking is for XXXX to do the right thing by supporting their customer and reverse the 30 days late for XX/XX/2021, so we can get refinancing. What happened to making my day a XXXX better? 
Please help me by doing the right thing. its clear the payment was made prior to 30 days. 
Sincerely XXXX
Consumer complaint received 2017-09-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (WV)

My father XXXX XXXX XXXX. Wells Fargo charged off his accounts with fees despite being notified that same month. Now they are saying they wrote them off as a loss. So he owes nothing but there should be a refund. It is n't about the money at this point, it is about the fact of the matter that any docs signed to open the account were null and void. No fees should have been charged after XXXX notification, nor should anything have been charged off
Consumer complaint received 2020-10-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I bought a XXXX  hoodie on XX/XX/XXXX, and realized that it was not the color Id like 20 minutes after the purchase order was placed, so I sent in the cancellation email to XXXX  customer service to cancel the order on XX/XX/XXXX or early am on XX/XX/XXXX. I called XXXX  the next day on XX/XX/XXXX and no one answers the customer service hotline. On XX/XX/XXXX XXXX  provided a tracking #. XXXX customers service responded on XXXX stating that they can no longer change the order and stated that I could return the item and point me to their website. Then I went to the website and it says the order cant be found, so no return label could be printed. Upon receiving the unwanted order, I declined the package on XX/XX/XXXX. 

I provided the cancellation email and XXXX  refund policy to capital one, and still couldnt get the money back. Their dispute department isnt working very efficiently compared to a few years back. This case is simple and obvious. I even got a return confirmation from XXXX. Not so sure how could capital one not refund my money on such an obvious case.
Consumer complaint received 2019-10-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (ID)

This is my second complaint with the CFPB about experian not supplying me with the proper documentation that I have requested. I have sent 6 requests now for all PHYSICAL documentation proving that the debts on my credit are mine and experian has blatantly declined to send me anything. FCRA 609 ( a ) ( 1 ) reads and I quote '' Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ),  clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request ''. I will attach documentation.