davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

I opened an XXXX XXXX credit card throughXX/XX/XXXX over a year ago and have been making payments regularly. The company was bought out and I was recently charged over {$1300.00} for nothing, it is listed as a promotional fee in the transaction history. I have not used this card in over a year and this charge is not listed in my agreement, it is straight up fraud. I attempted to contact XXXX and there was no response. XXXX in the past has made mistakes with my account and has adamantly refused to correct the issues, although I did not take action because the fees were negligible.
Consumer complaint received 2017-01-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX XXXX XXXX Wells Fargo Complaint For the second time in XXXX years I 've had to file a complaint against this company. In XX/XX/XXXX I contacted them about a HARP. But, it took until XX/XX/XXXX to respond. After I filed a complaint. 
Recently, I had to defend my home from Foreclosure sale after I found out XXXX day before the sale date from a complete stranger who came to my door. I never received official notice from Wells Fargo of a date of sake vid so, I could have cone up with a plan in advance. 
I spoke with several representatives who could not explain why I did not get official notice. Nor could they explain why I did not receive a XXXX payout back On XX/XX/XXXX as I requested over the phone with a XXXX. 
When the payout was received it was post marked XX/XX/XXXX with the letter dated XXXX XXXX. The problem is that the letter only gave me until XX/XX/XXXX to pay off the loan, less than 30 days from XX/XX/XXXX and less than XXXX weeks after I received the letter if Payout. 
I previously requested information back in XX/XX/XXXX, but never received it until after talking with the XXXX in XXXX who could n't find my emails That I sent on their XXXX. As with the HARP request, they acted if they could n't find the emails. The XXXX even asked me to send him the emails. 
Finally, I was in schlock to find out from a stranger the day before that my home was to be sold the next day ( XX/XX/XXXX ). I never received a Notice of sale date. Not XXXX if the customer service reps could even tell me why not. A XXXX XXXX even told me they 're not required to sendbmevnotice, and that the XXXX of Texas had that responsibility. 
The company has been notified that I 'm am XXXX and have filed for XXXX
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (WI)

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

I am writing to correct a complaint I recently filed against XXXX XXXX on behalf of XXXX XXXX XXXX. I reported the wrong collection agency by mistake The account is actually held by XXXX XXXX on behlf of XXXX XXXX XXXX not XXXX XXXX. 

However, the rest of my complain is valid and is as follows : This debt is reported as " educational '' but it was for rent at the XXXX  apartment housing. At the time, I gave notice to XXXX XXXX that I needed to break my lease and they charged me for 2 months rent plus damages that never occurred. The original amount was about {$1500.00}. I requested a payment plan in exchange for releasing my transcript but they refused and promptly sent my account to collections. This was in 2015 but XXXX XXXX has since purchased the debt, inflated it by thousands of dollars and reaged it.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX HAS FAILED TO PROVIDE PROOF OF MY ASSOCIATION AS AN AUTHORIZED USER WITH ACCOUNTS WITH VERIFICATION SUCH AS WET INK SIGNATURES. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2024 I am writing to formally request that you cease and desist from reporting me as an authorized user on the credit card accounts [ XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ]. Despite numerous requests, you have failed to provide any proof of my consent to be added as an authorized user on this account. 

As a consumer, I have the right to verify and confirm any information that is being reported on my credit report. It is essential that you comply with this request and provide documentation demonstrating that I have indeed given my consent to be added as an authorized user on these accounts. 

Until such proof is provided, I insist that you immediately remove this debt and cease any further reporting of this information to the credit bureaus. Failure to comply with this request will result in legal action being taken against your company. 

I trust that you will take this matter seriously and act promptly to rectify this situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I was checking my account balance after XXXX and my account read XXXX  I knew i had at least XXXX  to my name. there was a hold on my account from my bank of XXXX dollars. when i contacted the bank Friday morning. I was given the phone number to XXXX XXXX XXXX XXXX of XXXX  XXXX. I called the law firm I had not received a notice that a bank Lien was going to occur. The representative sent me an email with a copy of the letter to me about the lien. My first issue is i already have a creditor garnishment of 25 % being deducted from my paycheck this stated last week. by the way both of these credit card debt are from XXXX both judgement occurred in XXXX and XXXX so i believe this is a very old debt. I guess there is a deadline that coming up so they both are suing me at the same time. my case is a hardship case. I do not always work 40 hours a week. I live in an expensive part of the country XXXX county Virginia. I have no savings. I do not own a car I own no property.I have plenty of medical bills for a medical condition.
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (SC)

On today, XXXX, I attempted to access SunTrust Online Cash Manager in preparation of remitting {$5600.00} rent payment and payroll for my XXXX employees due on this week XXXX. I noticed that I was not able to access Online Banking, despite the fact that I changed my password on several occasions, this prompted me to move forward with calling Customer Service. I was then advised that my account was closed without any notice. I have rent and payroll due this week and they will not give me access to my funds, funds in the amount of {$170000.00}. I have called several times on today without any remedy from SunTrust and have went to the bank 's Branch as well and they were not able to assist me by releasing my company 's funds.
Consumer complaint received 2015-12-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CO)

I recently linked my Wells Fargo account to my XXXX account and then had a transaction that I did n't not have enough funds for in my XXXX account get submitted as an instant payment from my Wells Fargo account. I had no idea that adding my Bank account to my XXXX would automatically set the Bank account as a backup funding source for my XXXX account and so Wells Fargo then Charged me XXXX non-sufficient funds fees in the amount of XXXX $ and the original transactions that they never even paid were for a XXXX $ trasaction and abother for A XXXX $ TRANSACTION. I called and spoke to XXXX and they sent me a letter to send over to wells fargo explaining the situation to hopefully have the NSF fees removed off the account but Wells Fargo would n't accept the email I tried to send to them and would n't even speak to me about the fee 's over the phone at all so I now already paid the transactions that I did n't even know were going to be charged to my bank and now have a XXXX $ bill for Wells Fargo because they choose to charge me XXXX $ for less than a XXXX $ transaction that they never even paid is there any way to fight this I still have the email letter from XXXX regarding the incident as well if that helps at all! Please let me know thanks!
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hello, While I'm not sure I can explain this the best via this contact form, I feel that many other people suffered from the same experience I went through and know it's a massive problem. When the Stimulus Check was applied to our Bank of America account 's, if they were in a negative balance, it was applied as a credit to the account, this credit was applied to be used, as in if you logged into your account the money would be there, if you spent the money, the account would use it. 

As a normal person, you'd assume the money existed. This wasn't the case. Even though I added funds to my account inbetween that, it wasn't until I was next to {$0.00} that it retroactively applied, then changed my account statement to show that the credit never existed in the first place, after almost two months too. It changed every transaction to show it didn't exist, which is very easy to prove, as if it didn't then multiple charges wouldn't have been approved. It was only after, when they deleted the credit and applied it retroactively that it shows negative balances on transactions. Transactions that would have never been allowed if they didn't create such a false narrative and allow people to spend money that they were going to take back and retroactively change statements with. 

To me this is a massive problem. Imagine being a consumer, struggling to get by, checking you account, thinking you have money, buying food just to have your account change overnight, just because they could circumvent the law by giving you " credit '' to just to take it back then hit you with multiple overdraft fees when it benefits them the most.
Consumer complaint received 2021-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My funds are being held by capital one and they make unauthorized withdrawals to my account.. i have more than {$500.00} in my account but i recently checked i only have {$100.00} and they arent allowing me to remove or close my acount i keep trying to call them but they dont care about me
Consumer complaint received 2018-06-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diverse Funding Associates LLC (PA)

A company called XXXX contacted me on two separate occasions, once on XX/XX/XXXX and again today, XX/XX/XXXX. This agency was looking for my sister, XXXX XXXX. On XX/XX/XXXX I told the company that this was a relative 's phone number and i was not to be contacted. I called my sister to notify her of the call and she let me know that they had called her before they called me. So they knowingly had contact with her and her contact information, but couldn't make progress with her so they contacted me. This agency was trying to collect a debt for a company called XXXX and associates ( XXXX ) XXXX. I am being harassed for a debt that does not belong to me. I also live in a different state than my sister and have a phone number that was obtained years after any date that we lived in the same household. It seems that i was tracked down by personal information to get in contact with my sister when they already had her contact information.
Consumer complaint received 2016-10-25
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo denied my loan modification stating they would have to forgive {$15000.00} in order to accomplish modification. However, they can not explain why they are adding that amount to my loan. I owe approx. $ XXXX on the loan but they claim I actually owe $ XXXX which is incorrect. My single point of contact at Wells can not tell me where that $ XXXX amount is coming from, and it does not appear on my mortgage statements and never has. When I visited a Wells Fargo branch over the weekend on XXXX/XXXX/16, the representatives there could not explain why Wells claims I owe $ XXXX when I actually only owe $ XXXX and they were looking at my mortgage account as we discussed. I told them that the $ XXXX amount was stated in the npv results in loan modification denial as my capitalized unpaid principal balance amount but they could find nothing in my account to support that number. They also did not know who I could ask at Wells to find out more information because I told them I already asked my single point of contact and she could not answer where that $ XXXX was coming from. In fact, I do n't owe $ XXXX. I believe Wells is mistaken or just purposely seeking to add $ XXXX to my loan balance to make up a reason to deny for a HAMP modification. This is especially time sensitive because HAMP is ending at the XX/XX/2016. I am asking you to demand that Wells provide all proof that the total debt on my loan is {$600000.00}, I have a good faith belief there is no proof and it 's merely a tactic to deny loan modification.
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (WI)

Received a letter XX/XX/2021 from American Coradius International LLC claiming I owe {$500.00} to XXXX and they are willing to take a settlement payment of {$370.00}. I contacted XXXX immediately and they confirmed I do not owe them any money, my account is in good standing and that this collection agency is attempting to collect a debt that is obviously not mine. I went to the website of this collection agency and did not feel comfortable calling the customer service phone number and I believe this is a scam and or someone trying to commit fraud. I contacted an XXXX  already as well as XXXX  and made them aware of this matter.
Consumer complaint received 2020-07-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (LA)

On XX/XX/XXXX I received a phone call stating that I owed for a credit card that I have never heard of named Juniper Bank, the company that says that they are going to sue me for an amount of {$1000.00}. I tried to search for the company named XXXX XXXX XXXX XXXX they called me through 3-4 different area codes and states. The names of the ladies that called and threatened me was XXXX XXXX and XXXX XXXX. They stated that the credit card that was owed for was from XXXX of XXXX and that if I didn't give them a credit card payment over the phone right then, that they were going to have my wages garnished.
Consumer complaint received 2017-10-16
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: EQUIFAX, INC. (IL)

These are the only 2 places I have lived in the past XXXX years. XXXX XXXX XXXX,XXXX, IL XXXX
XXXX XXXX XXXX,XXXX XXXX, CO XXXX-XXXX.

Therefore I could not have been at XXXX XXXX-
XXXX  XXXX XXXX #XXXX**** 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX 
(XXXX) XXXX
Placed for Collection: XX/XX/XXXX

COLLECTION AGENCY/ATTORNEY
Balance:
$XXXX
Date Updated:XX/XX/XXXXOriginal Amount:
$XXXX Original Creditor:
XXXX XXXX (Rental/Leasing)
Past Due:
>$XXXX<
Pay Status:
>In Collection<
 
Also I have never done business with XXXX XXXX. 
I was not in the state when this was filed.
Consumer complaint received 2020-07-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

The response XXXX, Experian, XXXX is not consist with the Fair Credit Reporting Act or FCA. The Fair Credit Reporting Act gives the credit bureaus no more than 60 days to complete a complaint of a customer. 
The credit bureaus never responded to my initial complaint dated XX/XX/2020. So therefore the credit bureaus only have 30 days to answer my complaint fully from the date of XX/XX/2020 this is an continuing case that with no response from XX/XX/2020 case. That I do not have an account with XXXX and I do not owe XXXX any money as the credit bureaus are reporting. If the credit bureaus fill I owe another creditor than they should report the that creditor so I can issue a dispute with that company. Like I did the XXXX account. XXXX has issued a written statement stating I do not owe the company any money. The XXXX state my XXXX was sold and they are not the original creditor any more. My account was sold to XXXX. XXXX XXXX XXXX is a fraud reported by the state of Michigan. Once account is sold then the original creditor would be listed as XXXX. Have your client XXXX XXXX XXXX to send me documents that the original creditor is XXXX not XXXX with the creditor Code so I can send the documents to the state of Michigan for review. So to all the credit bureaus have your client XXXX XXXX XXXX send me documents stating XXXXXXXX XXXX purchased from the original creditor XXXX on XXXX XXXX my account for {$270.00} with the chain of custody. Then I will send the documents to the state of Michigan for review. The XXXX account the Credit Bureaus list for $ XXXXis not mine. 

Under the Fair Credit Reporting Act the original creditor is the last creditor to hold the account and that would be XXXX. 

Thank you,
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX GA XXXX ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/2023.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Subject : Formal Request to Cease Harassment and Remove Unauthorized Transactions from Credit Report Dear [ Equifax, XXXX, XXXX I hope this message finds you well. My name is XXXX XXXX, and I am writing to address a pressing matter regarding unauthorized transactions that have been added to my credit report without prior notification or authorization. 
Also reading the itle 18 of the United States Code ( USC ), Section 241, is a federal statute that addresses conspiracies to deprive individuals of their constitutional rights under the color of law. In simpler terms, it makes it a federal offense for two or more persons to conspire to injure, oppress, threaten, or intimidate any person in the free exercise or enjoyment of any right or privilege secured to them by the Constitution or laws of the United States. 

Here 's a breakdown of the key points of USC Title 18, Section 241 : Upon reviewing my recent credit report, I was alarmed to discover that transactions from [ Specify the Transactions ] have been included without my consent or acknowledgment. This unauthorized activity not only violates consumer protection laws but also has a detrimental impact on my creditworthiness and financial stability. 

Under consumer law, it is imperative to adhere to regulations that safeguard individuals from unwarranted harassment and unjust collection attempts. The inclusion of these unauthorized transactions constitutes a violation of my rights as a consumer, as there was no permissible purpose or engagement established for such actions. 

Furthermore, I must emphasize the adverse effects this unauthorized reporting has had on my credit approval process. The presence of these inaccuracies, specifically the charged-off accounts from [ XXXX, XXXX XXXX XXXX XXXX XXXX undermines my ability to obtain fair credit terms and opportunities. 

In light of these circumstances, I kindly request the following actions : Immediate removal of the unauthorized transactions associated with my account from all credit reporting agencies. 
Cease all collection attempts and communication regarding the disputed transactions. 
Provide written confirmation of the removal of said transactions and cessation of collection efforts. 
I urge you to address this matter with the utmost urgency and diligence to rectify the erroneous reporting and alleviate the undue stress and inconvenience it has caused. 

Please acknowledge receipt of this letter and provide a timeline for resolution of this matter. Your cooperation and prompt attention to this issue are greatly appreciated. 


Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX [