davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022, at XXXX XXXX. I received a text message stating that my bank account had suspicious activity and payment was declined. It instructed me to cancel the transaction by clicking on a link provided in the text. Out of fear of losing my money, I clicked the link and was taken to a website that I believed was Wells Fargo 's since it mirrored their actual site. I logged in with my credentials and when asked for my ATM card information and account number I realized that the website could be bogus and immediately I called Wells Fargo. I spoke with a female representative and explained the entire situation to her and requested that she change my account number to be safe. The representative assured me that changing the information was not necessary and that I should not worry since I didn't give my account information on the website. I asked her again to change my information because I was scared and again she told me to not worry. After that call, I immediately called the bank again and spoke with a gentleman and explained the situation and he too advised me to not worry and that nothing needed to be done. On XX/XX/2022, approximately {$17000.00} was transferred from my bank account via wire transfer without my knowledge or consent. I called the bank and was told that the transaction was pending and that he was able to stop it. I called back to the bank and the representative told me that I was misinformed and that the funds were transferred. I have called the bank several times as well visited the local branch with no resolution. I was told that a fraud investigation would take 10 business days and that I would be given a provisional credit after the investigation. On XX/XX/2022, Wells Fargo called and advised me that I would be given a provisional credit and I have not received the credit all that has been done thus far is many calls to the bank by myself, being told things that were untrue, and my {$17000.00} is still missing from my account. 

Wells Fargo failed to protect my funds as agreed by refusing to close that account and by not changing my login credentials when I requested this to be done several times before any funds were taken. Wells Fargo also failed to contact me prior to wiring funds from my bank account especially since this activity is not aligned with my banking habits from my almost two-decade relationship with them. Wells Fargo representatives have misled me and provided me with inaccurate information on each call. It was not until a phone call to Wells Fargo on XX/XX/2022 that the representative agreed to close the compromised accounts and open new ones.
Consumer complaint received 2016-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (MD)

Professional Account Management, LLC, a debt collector for the Delaware Department of Transportation is frauduently attempting to collect the same alleged debts under unique and separate account numbers in an effort to double charge me. Furthermore, the alleged debts are not valid and I have disputed their validity countless times.
Consumer complaint received 2022-09-05
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. (FL)

Delete Late payments from XXXX XXXX XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2016-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credence Resource Management, LLC (CA)

XXXX fraudulent accounts opened at some point then abandoned XX/XX/XXXX/XX/XX/XXXX by person committing identity theft. Accounts were not discovered until 2016 when looking at credit report. No collection attempts were ever made to me through mail or by phone. When contacted company I was forwarded to various collection companies who all said they did not hold the debt anymore. Company representatives were extremely hostile and demanded I pay, while refusing to furnish any information regarding the accounts. Filed identity theft complaint with company to discharge the debt and was denied. Filed complaint with various credit reporting agencies. Some agencies deleted the debt but then it would reappear under another collection company.
Consumer complaint received 2016-02-26
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Buffaloe & Associates, PLC (TN)

I paid for as long as I could on a {$6000.00} loan. I lost my job, and now I am on Social Security. 

The debt was apparently bought/sold to a new company, and I believe they have violated the FDCPA by : 1. Refusing to validate the debt, and instead trying to serve me and sue me 2. Collecting past the statue of limitations for TN, which is six years from the date of the last payment. They claim I made a payment in 2012, I did not, and they will not provide ANY proof that I did. I need the Federal Government 's help.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you XXXX have for this request : 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 XX/XX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (IN)

I bought a non-reloadable visa prepaid card issued by US Bank National association ( " XXXX XXXX  '' ). I can not either register online or use it to purchase in store. 

I called their customer service and they told me that they could not access to the account. There is no other way to contact them.
Consumer complaint received 2016-10-12
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (MD)

I Was working and going to school things got tough had to move and end school didnt want to end school but had to due to financially problems did n't have enough money to pay off my loan and still is looking for work until this day.
Consumer complaint received 2015-11-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MN)

I dispute this debt because I do not owe this money. I terminated my contract for Internet service with XXXX in XXXX 2014. I received an email from XXXX stating that if I return their equipment before the closing bill, I would not be charged. At that time, I returned their modem using the packaging and shipping label they provided. My closing bill did not include any charges for equipment. I did not receive any bills or notices from them since ending the contract. 

In XXXX 2014, I received a letter from a company called XXXX claiming I owed XXXX {$100.00}. I called XXXX and their representative said they had no outstanding dues on my account and that they were unfamiliar with XXXX. The call was escalated several times and took almost XXXX hour to complete as they checked various databases. After that call, I contacted XXXX to gather more information about this claim. They told me it was for an unreturned modem. I put this claim in dispute. In XXXX, 2014, I received a letter from them confirming that the account was in a " disputed status. " I received a letter from another collection agency called XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2014. There was no verification of the debt or any tracking information about the shipping label that was provided by XXXX. I received your collection notice today. 

I do not appreciate having to dispute this debt this many times as XXXX continues to sell consumer information to different collection agencies. Upon searching discussion forums, I understand that there are many consumers who have been troubled greatly by a similar error.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Delete Late payments from XXXX XXXX XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been a victim of id theft and reported such incident to the proper authority. 
i have several accounts and inquiries that i do not recognize and asked that they be blocked, deleted. Subsection 604 in the FCRA ( which is the same as 15 USC 1681b ) I didn't authorize the reporting of that debt to the credit agencies.

Unauthorized Inquiries need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX CREDIT REPORT XXXX XX/XX/2022 XXXX CREDIT REPORT XXXX, XXXX XX/XX/2022 XXXX CREDIT REPORT XXXX XXXX XXXX XX/XX/2022 XXXX CREDIT REPORT XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION CREDIT REPORT
Consumer complaint received 2022-08-06
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)

XXXX is reporting a XXXX XXXX  account it shows a past due balance but of XXXX the account is charged off. 
XXXX shows a past due balance from XXXX XXXX XXXX of XXXX it has also been charged off XXXX shows an open account which is closed and a balance of XXXX with XXXX XXXX XXXX XXXX, XXXX shows a past due balance of XXXX from XXXX the account is charged off there should not be a past due balance XXXX shows a past due balance from portfolio recovery for {$550.00} the account is closed and charged off it also id=s reporting as 120 days late it should not be reporting at all. 
XXXX shows exeter finance as a charged off account with a reporting balance of {$21000.00} it is charged off there should not be a balance reporting. 
I have sent in multiple request that this be removed to no avail my letters are not being read and handled according
Consumer complaint received 2024-01-25
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: Experian Information Solutions Inc. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX
Consumer complaint received 2017-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (NC)

They say they are collecting for XXXX but they refuse to send me a bill after verifying my address 3 times in which they should have since they say all calls are recorded and I have said as much trying to get a bill. Ask for all their recording and lets see.
Consumer complaint received 2016-04-28
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENCORE CAPITAL GROUP INC. (NY)

I received a payday loan of {$300.00}. They started deducting {$60.00} per week from my bank account. After about 8-10 weeks they were still deducting the amount only it was now {$95.00} a week. I had direct deposit that I did n't want to stop but I had no choice but to close the account. After some time someone from an agency contacted me & my employer threatening arrest so my employer wrote a check for over {$1400.00} for the loan & " fees '' to this agency. 
I thought that was the end of it. In the past month, people from another agency " Midland Credit '' have harassed me and my daughter, sister & friend threatening me yet again. By this time, I had unfortunately suffered an accident which resulted in becoming an XXXX. The man who called " XXXX XXXX '' called me names and said that my daughter told him my situation. He said he did n't care who I was or what I suffered from but that I had to pay this debt. He switched me to " XXXX '' who proceeded to berate me and call me a criminal. I am at my wits end and want this harassment to stop. Who knows how many people they do this to a day? I asked for them to send me the paperwork and the " 10 day notice to appear '' and they refuse. Please help!
Consumer complaint received 2022-02-12
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-04
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (MO)

In XX/XX/XXXX, it became apparent that I had hail damage on my roof and it had started leaking. I contacted my insurance company who provided a very good detailed step by step plan on what to do. Got a XXXX who replaced the roof. Called Navy Federal Credit Union to understand how to handle the claim check. We reviewed the requirements XXXX times. I got the first settlement check and sent it as instructed to NFCU. A week later they informed me via email that there were other things that had to be done. They were returning the check to me. After XXXX weeks and numerous phone calls it appears they lost the check. It took XXXX more weeks working with the insurance company and NFCU to get the check replaced. I live in XXXX, XXXX. I was in the states and kept contacting them to get everything needed done prior to my return to XXXX. They claimed they got everything cleared with the insurance and would deposit the check. I had already paid {$24000.00} out of pocket for the repairs. The first check for {$13000.00} was deposited to my checking account. I transferred just under {$12000.00} to my XXXX credit card. XXXX days later NFCU withdrew the check stating it was fraudulent. 
I have called them over XXXX times and emailed XXXX times. I have received XXXX emails with limited information and XXXX phone calls which did not resolve any of the issues. I leave voicemail each time I call as I have never caught anyone at their desk. Today I have been informed that the insurance company is issuing the check for a third time in XXXX days. NFCU has withdrawn all my savings, charged me several fees, caused me to be charged fees from XXXX, cost me several overnight mail charges which were a waste of time and interest on my Line of Credit and XXXX credit cards. Cost out of pocket exceed {$400.00}. 
Now they are taking all the money out of my adult children 's accounts to try to cover some of the cost. 
I have been on hold now for over an hour. They apologize and state that it was their fault, but each time they apologize it cost me {$100.00} or more. 
I paid to have the second/final insurance check overnight. They received it on the XX/XX/XXXX. Thus, far they still have not acted on that check. I understand it is the holiday season with many people on vacation, but they do n't stop charging me interest. 

They admit negligence in handling this issue, but have not resolved the issue yet.
Consumer complaint received 2015-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Upon receiving statements and other correspondence in the mail I contacted my mortgage lender and requested that they immediately stop all mail. I explained that I do not want to receive anything in the mail and that if they must reach out to me or contact me they are welcome to do so by phone or email. They 've refused to honor my request due to what they 've stated is a legal requirement under Regulation Z, Section XXXX They stated that because they do not have a system for sending out statements electronically ( mind you they 've explained this by email ) that they can not fulfill my request. I responded by waiving their obligation to send me statements altogether and I told them that if they can not send statements to me electronically then not to send them at all. I explained that I simply do not want any further mail from them and that it is my right to privacy to place such a request. They however responded that regulations do not allow them to stop mail and they have since continued sending statements to me in the mail despite my numerous requests to stop.
Consumer complaint received 2017-05-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (FL)

M y Mother and Father p assed away in early  XXXX . My mother had an IRA with Discover Bank worth  XXXX  ; in which I was a 33.33 % beneficiary. Discover Bank instructed me to send a letter of instruction and both death certificates. All pages were faxed to the IRA dept. on  X/XX/17   . I called for confirmation, and they did receive everything, on  X/XX/17   . Discover Bank informed me that it would take  7- 10  business day to process. On  X/XX/17   , I inquired to the status,  XXXX , from the beneficiary care team, said it would be anot her 3-5 d ays. On  X/XX/17   , I uploaded another letter of instruction to Discover Bank through my secure documents section, concerning this matter. As of this date and time, it has been 27 days and no correspondence or activity has begun. This is unacceptable time for Discover Bank to handle a beneficiary request with the proper paper work sent. I understand that a beneficiary has no right to any account transactions, while the account holder is still alive ; but when you have a POD account set up ; and the account holder dies, then the beneficiary does have a right to their money.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I informed the XXXX credit Bureaus that XXXX accounts on my credit was not mine and to provide me proof or immediately delete the accounts, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. The XXXX accounts I demanded deleted were Prosper Market Place XXXX Unverified Account and XXXX Bank XXXX Unverified Account the credit Bureaus have not done so and have not deleted these XXXX accounts.
Consumer complaint received 2015-12-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I requests my creditor to remove 30 days late on my credit report because I had medical issues and I was struggle at the time with payments. I understand is was my responsibility but for long time I was a very good customer with a perfect credit. I have documents that sustain my medical history. however there response was that they can not make changes and I believe they have the power to do so please help