davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/ 2019 I was overdrawn on my checking acct. ending in XXXX and I asked my husband to quick pay me enough money to cover. Now we have the same bank, Chase bank, same location and all so he quick payed me the money and my acct. was current. The next day I checked my acct and I was charged two {$34.00} overdraft fees! I called the bank right away and they said I didn't get the money to my bank on time??? I told them it was before XXXX XXXX eastern time and they said I had to have it on central time! Who the XXXX has the time to look into that?? When I check my acct. that day I was fine. I am tired if these banks finding every way possible to charge fees! They were able to credit the one fee but, I was requesting the other one as well because my bank was ok when it cleared! I want my {$34.00} back on my acct.
Consumer complaint received 2017-01-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: GREATER SUBURBAN ACCEPTANCE CORPORATION (IL)

Back on XX/XX/XXXX I initially filed a claim against Greater Suburban Acceptance Corp with the Consumer Financial Protection Bureau due to this company not responding back to me and reporting inaccurate information on my credit report. Greater Suburban Acceptance Responded back on XX/XX/XXXX stating that they needed more time to address my issues and concerns, however on XXXX/XXXX/XXXX the Consumer Finance Protection Bureau responds back by stating " the company never responded back so they 're going to post my complaint and look into further investigations made about this company ''. Well after reviewing the documents that Greater Suburban Acceptance Corp provided to the Consumer Financial Protection Bureau. I noticed that I was n't ever presented with a 21-day redemption notice. In the state of Illinois you must provide a notice redemption notice. " No collateral - the lender may only repossess a car if it is listed as collateral for the loan. ... Insufficient notice of redemption - Car repossession laws in Illinois require your lender to provide you with a redemption notice within 21 days after your car is repossessed. '' Please find that this company has also listed this account as a bankruptcy account on XXXX and has listed the same item as being a closed bad debt of XXXX on XXXX. Acct number is XXXX also on XXXX it states that the account is open on XX/XX/XXXX and XXXX is stating that it was opened on XX/XX/XXXX also XXXX bureau is stating that it 's an auto loan but the other is stating an installment loan do n't know is that makes a difference or not. Just pointing out the inconsistency with this company. Please note that the last time you guys closed the case with this company because they failed to respond back to this government agency site, however they never seem to respond to you guys or myself but they make sure to respond to the credit bureaus all the time. Please find that I 've enclosed all information that validates my claim.
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I sent you a debt validation letter more than 30 days ago asking for the credit bureaus to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. 

I disputed the accounts information as being inaccurate, and these agencies responded by stating they were able to verify this debt. But how is that possible? I have contacted the creditors myself, and they only sent portions of the information requested- this is against 15 U.S Code 1692b ( 5 ) for sending insufficient validation documents showing only symbols and stuff. Also Under 15 U.S Code Section 1681n Civil Liability for willful noncompliance and 15 U.S Code 1681o Civil liability for negligent noncompliance The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove these accounts
Consumer complaint received 2022-08-15
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. (GA)

Been disputing a particular account on my Equifax report since XXXX every 30-45 days for XXXX XXXX XXXX XXXX This account is being reported as an open account from XXXX. This is not my account nor do I have any car for this loan it is now XXXX and these people are inaccurately reporting information that I have tried to have deleted. Ive emailed XXXX XXXX and XXXX personally of Equifax even proof of me filing serval disputes. I also hired a law firm and they were able to even get a response from Equifax. This has cost me so much emotional and physical distress over the course of this year. Delete this inaccurate and incorrect information the company doesnt even exist! The number and address listed is non working. The place in XXXX GA is not there business as listed either I went there! I live in XXXX GA
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

On XXXX XX/XX/XXXX, I informed Wells Fargo to place a STOP PAYMENT of a check written in the amount of {$3600.00} to the United States Treasury ( i.e., IRS ). The STOP PAYMENT was placed. The {$3600.00} and the {$35.00} STOP PAYMENT fees were deducted from my Small Business account. During XX/XX/XXXX, IRS sent me a copy of the returned check due to the STOP PAYMENT as an unpaid bill due. Since {$3600.00} remained deducted from my Small Business account, I paid IRS that amount plus interest. After hearing from IRS, I notified Wells Fargo within XXXX business days during XX/XX/XXXX ; I notified Wells Fargo again during XX/XX/XXXX. Wells Fargo refuse to reimburse me, although the {$3600.00} was not paid to IRS and remained debited from my account. Wells Fargo claimed that too much time passed before I notified them about the charge.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NJ)

I applied for a card from Barclays bank and was denied. They didn't even pull my credit to consider my application. They sent me a letter claiming I used to have an account with them that was charged off, but that isn't true. I pay all my cards in full and have always done so.
Consumer complaint received 2015-03-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Each and every time there is a returned check on my account and I am charged a insufficient funds me, I understand but this extended overdraft balance charge fee, which Bank of America calls a courtesy to their customers is wrong. They will take XXXX check returned and add a {$35.00} insufficient funds fee, then send it thru XXXX to XXXX times at the same amount for {$35.00} overdraft balance charge fee. Making the customer pay as much as {$140.00} for XXXX returned check.
Consumer complaint received 2016-07-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (CA)

This debt was from a Workman Comp Injury. This agency keeps putting this on my credit reports damaging my credit. The validation letter they sent CLEARLY states insurancer XXXX XXXX ) Workman Compensation.This has been settled and signed by a judge. Any and all medical debt is the debt of the DEFENDANT. I have attached a copy of the collection and a part of the settlement that clearly states who the debt would belong too.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

In XX/XX/XXXX I closed my XXXX XXXX Credit Card due to Comenity charging me interest on a disputed amount of {$810.00} even though multiple customer service representatives told me there would be no interest on that amount while it is in dispute. I provide documentation from the hotel that the disputed amount was credited to the card in XX/XX/XXXX. Comenity still has the charge on my credit card and is still charging me interest and now late fees on that amount. I called Comenity in XXXX and XXXX to discuss this and each month the customer service representative provided me an amount to pay to avoid any further fees or interest and each month I paid it for the sake of my credit score. It is now XX/XX/XXXX and I am done continuously paying interest that I do not owe. On XX/XX/XXXX, a customer service representative told me she would waive the {$30.00} late fee if I make a payment of {$33.00}, this makes no sense considering the only amount owed on the card is the amount in dispute and the interest and late fees they are continuing to charge me. I have been misled month after month to continue paying fees to Comenity. This is not a fair business practice! No matter how many times I call to speak with someone at the management level, I simply get transferred to another department only to be told to talk to someone in customer service, and therefore, this problem just continues to go on and on. I want to be done with this awful credit card issuer.
Consumer complaint received 2024-02-16
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: EQUIFAX, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-02-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ray Skillman Northeast Buick GMC Truck Inc (IN)

XX/XX/XXXX I went into agreement with Ray Skillman Northeast Buick Gmc with a Retail Installment Contract and Security Agreement for family and household purposes. My vehicle got repossessed in XX/XX/XXXX. XX/XX/XXXX Payment was sent through USPS money order with an accepted offer of the credits for valuable consideration for {$1900.00} to XXXX XXXX XXXX via certified Mail and was delivered XX/XX/XXXX. XX/XX/XXXX I sent a Notice of Rescission and an Affidavit of my right to rescind as a Consumer via certified mail. Which will be received tomorrow XX/XX/XXXX. I have reason to believe that both parties willingly and knowingly took advantage of me any consumer credit, while Ray Skillman Northeast Buick GMC failed to clearly & conspicuously disclose my right to recscind.
Consumer complaint received 2022-02-07
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. (GA)

Pursuant to 18 U.S. Code 1028A, Experian has committed aggravated identity theft against me as they have obtained my social security number, birthdate, addresses, phone number, and alleged information from creditors including transaction history. I never provided Experian with this information and plan to report them to the Federal Bureau of Investigation for aggravated identity theft, computer fraud, wire fraud and mail fraud.
Consumer complaint received 2024-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2018-03-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I have had a mortgage with Bank of America from XXXX to XX/XX/XXXX XXXX when I paid it off early in full. I have never not once in 13 years missed or been late on a payment. Back in XXXX, I was going to file bankruptcy but changed my mind and did not go to the first court date so it was dismissed that same day its like it never happened. The court has provided me paper work stating so. Bank of America WAS NOT part of the list of creditors I would have paid, had I went through with it. In fact if I were to go through with it I would have to put my house up for collateral therefore I could not claim that debt even if I wanted to. Now all 3 credit bureaus have me defaulting on a XXXX home loan under bankruptcy when I paid it off in full never late XX/XX/XXXX. Bank of America is denying they are reporting me even sent me 2 letters stating they sent this information to all 3 credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX XXXX. I have disputed XXXX, XXXX and XXXX bureaus 2 times to have this taken off and each time they all ( except XXXX took it off finaly ) tell me Bank of America is reporting to them as correct Bankruptcy?? How can this be when they were not part of my dismissed bankruptcy ( all I did was decided not to go through with it and now that's on my credit for 7 years. XXXX money was paid out to zero creditors ) I just called Bank of America Again yesterday and they still are denying they are the ones who are reporting it. Plus they said they had sent in another update stating I have never not once been late or missed a payment. Then today XXXX sends me a letter stating it will remain on my credit because BOA said it's true.How can I get this solved if no one is confessing to reporting it. My last name on my mortgage was XXXX. I have since divorced and it's XXXX on my credit reports. Did someone stop to think this might be a problem causing some if the confusion? But either way I have busted my XXXX and spent hours on repairing it. I feel like neither of these companies have tried very hard or it wouldn't be on there. It's not correct information and Nice way to treat a customer that paid on time and paid the loan off early in FULL. I don't know what to do at this point. Someone is not doing their job or lying to me. I'm thoroughly disgusted how much time and effort I've had to put in trying to get this removed.
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OR)

XXXX/XXXX/15 here is a copy of the letter I sent to the company : Wells Fargo Home LoansDear sirs, I received a call today that was very disturbing. I want to express my concern that your collections department is out of control and using bully tactics, high pressure tactics to compel a payment when it is not necessary is poor customer service. 
I have never had a call from collections before the grace period is expired in the 14 years I have had my loan with Wells Fargo or the companies it purchased loan paper from. I was answering a " no caller ID '' phone call when I was assaulted by your collections representative and I hung up the phone when he was rude to me after I got him to admit that I was within the grace period for payment. These abusive debt collection activities are not welcome. Whenever I am asked, I say no to the question of being set up on an auto dialer. This is in keeping with the Fair Debt Collection guideline : under the heading 806. Harassment or Abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
I want to strongly suggest that he is the kind of collections rep that will give you a bad name. He was disrespectful in his tone and very cold. 
I conjecture that you are training people with this style of collection methods or the department has too many employees so they are making unnecessary calls to practice on people like myself. The only other reason would be that the company is in trouble financially so they are resorting to collecting from those who use the grace period to make sure all bills are taken care of.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CO)

I 'm being denied for a loan that I qualify for because my past short sale which settled on XXXX/XXXX/2011 is showing up as a foreclosure in the automated XXXX and XXXX XXXX underwriting report.
Consumer complaint received 2020-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

I attempted to make a purchase at XXXX with my Citi Bank debit card, with sufficient funds in the account to cover the transaction. The transaction was declined for no clear reason. I called Citi Bank, and provided my full name, bank account number, debit card number, social security number, the exact amount of the purchase and the vendor information, and participated in two separate phone verifications for which my phone carrier charges a $ XXXX fee. I was on the phone for over an hour, during which time several Citi employees told me that they " fixed the problem '' when they didn't. I was ultimately hung up on by a supervisor, despite the fact that at no point did I raise my voice or use foul language. My entire purpose of calling was to determine why I was not being allowed access to my funds via my debit card and how I could resolve the issue, they refused to give me an answer and just said that " they would look into the matter '' with no further details, which I found to be dismissive and unhelpful. This unforeseen banking issue, of no fault of my own, has cost me to lose {$300.00} as I was unable to complete my transaction during the labor day sale.
Consumer complaint received 2017-02-09
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (TX)

They say i owe this debt, but they can not provide me proof of my whole, Social Security number or even baring my full signature, and have not provided me with an agreement between me their establishment. I sent them a validation letter but they provided me with a computer generated report of transactions which may not be accurate.
Consumer complaint received 2015-06-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (SC)

On XXXX XXXX, 2015 between XXXX and XXXX, someone broke the glass of a friend 's back car window and stole my purse. It contained my Driver 's License, Debit Card, XXXX Credit Cards, approximately {$50.00} in cash, {$100.00} in gift certificates, my home keys, my business keys, and approximately {$50.00} in makeup. I immediately cancelled my credit cards and debit cards. The police were called and a report was filed. I noticed there were XXXX fraudulent charges pending the night of Thursday XXXX XXXX, 2015. I called Wells Fargo to notify them and I was told nothing could be done until the charges were no longer pending. I warned them that it would make pending bills I was in the process of paying ( sent checks in the mail and had auto billpay ) and was told again, there was nothing they could do. I was notified via email the following morning, XXXX XXXX, 2015, that XXXX fraudulent checks written to me were cashed and when they returned NSF, {$3200.00} was taken from my account. I called Wells Fargo again, and they labelled it as fraudulent to dispute the charges. I went into my local bank branch and they were able to print copies of the fraudulent checks and tell me from which branches they were cashed. I notified the police of the updated information the same day. I have notified the credit bureaus and a 90 day fraud alert was placed on my credit profile.