davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Protection Association, L.P. (OR)

For more than a week the Credit Protection Association calles me from XXXX and leaves a voicemail for someone I do not know. The recorded message directs the receiver to call XXXX if the receiver is not the the debtor in question. I called the second number and it plays 14 advertisments befor directing the caller to dial XXXX as the intended recipient has changed their number. This leads to a XXXX information service. 
This is an serious abuse of my time and I suspect someone is recieving payments for making me listen to all those ads. I feel that CPA is profiting from calling people they know full well are not debtors.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (TX)

I saw an advertisement of 4 % APR from Wells Fargo Bank and asked them why they don't offer 3 % APR> They emailed me back that I do have 3 % APR. Then I requested {$30000.00} seeing 4 % APR and thinking that I'm eligible for 3 %. They didn't refund the APR - charges back
Consumer complaint received 2021-05-05
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. (NY)

XXXX XXXX  aka XXXX XXXX XXXX XXXX refuses to update my credit file with The Tbrer major credit bureaus XXXX Equifax and XXXX .This a credit card is paid in full. Every month XXXX XXXX takes between 7p and 74 points against my fico score. It's wrong .it appears that this ba k has cut a deal to get paid to continuously take points to keep my score from improving so credit companies like XXXX XXXX  can continue to get paid for posting inaccurate information. This continuous practice is disparate for me as a person of XXXX and it also keeps me at a disadvantage of getting credit or a loan which is unfair. Every month I please with XXXX XXXX to update and they continue to keep my profile of XXXX XXXX in the negative. This appears discriminatory and deliberate. It's been over a year now and XXXX XXXX willmot update my credit profile thus allowing fico to improve my scores. It's simply no reason for this time of treatment especially when the account is paid .this is a honest attempt to remedy this problem otherwise I will have no choice but to bring XXXX XXXX dba XXXX XXXX. 
This practice is hindering all the credit bureaus with my profile.
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

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 Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2022-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

Navient is so confusing to deal with and they seem dishonest. I have applied for Income Driven Repayment for the last few years. Each year, I receive multiple conflicting emails and notices via their website that I have different amounts due. And it seems that my balance due NEVER goes down and I am only paying on the interest. I was in forbearance for a long time but now it seems I am not making any headway on the payments I have made. I am constantly fighting with Navient over their lack of timely response and truth in what I am to pay every month. I have attached emails, the statement page that shows on their website today, and the IDR emails that they have sent. I need a straight answer and help. I have been paying in a timely manner and my payments were never stopped due to the COVID protocols in the last two years.
Consumer complaint received 2022-04-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (AZ)

I signed up with Square as a POS processor on XX/XX/XXXX. My external bank account was added and by XX/XX/XXXX Square reported it as " verified. '' I then had my first sale and subsequent successful transfer of monies to my XXXX XXXX XXXX XXXX account using Square 's XXXX instant transfer. By XX/XX/XXXX the XXXX instant transfer option was disabled and subsequently caused me a loss of almost {$1000.00}. Every transaction thereafter I was only allowed to use Square 's slower ACH bank transfer option to receive my funds. From XX/XX/2021I had many more transactions and three transfers out of Square and into my XXXX XXXX XXXX XXXX checking account. Today it is XX/XX/XXXX and I'm still missing the funds from those three transfers totaling almost {$1000.00} because Square transferred them into someone else 's account. My checking account has been closed at XXXX XXXX XXXX XXXX after they verified to me that my funds were sent to an incorrect account and were unable to be recovered by them. I sincerely appreciate your help with this matter, Square couldn't be any worse of a financial partner and my life has been in ruins since they've pulled this scam. 

SUCCESSFUL ================= XX/XX/XXXX XXXX XXXX, XXXX. 
{XXXX} UNSUCCESSFUL ================= XX/XX/XXXX Next Business Day XXXX, XXXX. 
{XXXX} XX/XX/XXXX Next Business Day XXXX, XXXX. 
{XXXX} XX/XX/XXXX Next Business Day XXXX, XXXX. 
{XXXX}
Consumer complaint received 2022-04-03
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: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  XXXX XXXX and 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. 

Also these inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial response was sent on XX/XX/2020 and 30 day letter to comply was sent on XX/XX/2020.
Consumer complaint received 2019-08-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a checking account with Capital One. I was overdrawn for {$7.00} and wasn't notified that I was. I have gone to one of their locations to turn off the overdraft twice and still, nothing has changed. After being charged with many overdrafts fee 's of {$35.00} each day and not being able to receive a new debit card after it expired a month ago, I went to close my accounts with Capital One. Capital one banker was unable to close the account because of my negative balance. I would have no problem in giving {$7.00} to close the account, however, the fees that I didn't know about accrued to over {$140.00}. Capital One banker was able to remove {$70.00} worth of fee 's but was unable to remove the rest of the fee 's, therefore leaving me unable to close the account. With the current negative balance, they are still allowing charges to be placed. I am looking for all of the overdraft fee 's to be removed and to reverse all those additional charges, so I can close the account.
Consumer complaint received 2019-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I live in and XXXX XXXX XXXX XXXX XXXX  in XXXX California. The Thomas Fire XXXX XXXX - XXXX ) destroyed many homes and businesses in the XXXX area. Because of that fire many people lost their homes and had to move out of the area. This seriously affected my business because I lost a large number of clients. Then after years of drought, we had heavy rains in XXXX. Because the landscape was gone, the area suffered severe flooding. Those people who hadn't lost their homes in the fire, lost them due to flooding and mudslides. Again, I lost clients due to these natural disasters and I was not earning as much money as before. Also, my business was damaged by the fire and the flooding. 
I tried to modify my loan with XXXX  but they only offered me a repayment plan that had payments much higher than I was previously paying. On top of that it had a balloon payment at the end of the repayment plan. My business has still not recovered from this loss and I can not afford the high monthly payments XXXX   offered and I certainly can not afford a balloon payment at the end of the repayment plan term. I am afraid of losing my home. I missed payments because of my reduced income and XXXX  does not seem to care that some of the worst natural disasters in California history affected me personally. 
I am lucky my home was not destroyed but between losing my clients and some damage to my place of business I am not earning what I had in the past
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

This account was put on my credit report twice after it was removed. i called the credit bureaus and they aid it looked like the account number was changed and dates that it was opened was different as well. So I opened up an investigation on those accounts. and they are reporting as closed now and paid but they are not suppose to be on my report at all. Also XXXX XXXX. I have reached out to them numerous times in regards to some medical collections that is on my report. Those accounts were paid to the original creditor which was XXXX XXXX by XXXX I 've asked for this account to be looked into and removed off my report but its like they are not going into it.
Consumer complaint received 2020-07-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hi. I don't know what's going on but I disputed accounts that weren't mine or weren't accurate with the credit bureaus back on XX/XX/XXXX. I never got any notices and I feel like its been a really long time. I read that the credit bureaus only have 30 days to give me a notice back with responses and its been far longer than that. I also sent them my license and social security card so they knew who I was. 

I just recently sent them a second notice last week but I don't know if I'll be ignored again. 
Please help me get some results back.
Consumer complaint received 2019-08-14
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Remitly, Inc. (WA)

I am having very bad experience with remitly, they transferred wrong amount to my foreign account, waiting for them for last 10 days on reply, i noticed this after long time that I received wrong amount, it would have gone unnoticed for somebody else who is doing business with them, I understand no systems are prefect but after knowing that they transferred wrong amount they are not taking any action, I was assured to resolve this in 24-48 hours now today is 10th day and no action Transfer number : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc. (TX)

This company Sage stream, I have never heard of and have NEVER done business continues to request my personal identification saying I requested a security freeze on XX/XX/XXXX but that is an absolute LIE by Sage Stream! I have repeatedly said that I didnt request that. 

They refuse to add me to the DO NOT CONTACT list/opting out of all contact because again I have never done business with them and never will. 

Why would I send my personal identification to a company that I have never done business with? 

Federal law makes clear from the Telephone Consumer Protection Act, to the XXXX XXXX, to the Fair Debt Collection Laws, that I dont have to provide identification to demand that a company cease all contact. 

Sage Stream violates federal law by insisting on identification to opt out and do not contact which violates federal law. 

I have asked them for an address to serve them with a lawsuit for violating my rights and they refuse to provide it. 

But yet they feel they can ask for my personal identification documents when I have never done business with them and did NOT initiate a security freeze on XX/XX/XXXX like they falsely claimed.
Consumer complaint received 2019-06-07
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. (TX)

XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX XXXX XXXX  partial account number XXXX. They are reporting that I am 60 days late. This account actually needs to be coded as an M1. ( Please see pages 10 and 11 of the attached  credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Bank # 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 602 A. Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-05
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. (VA)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

It is illegal in the United States for a credit bureau to charge for a credit freeze, so Experian makes it almost impossible to place a security freeze on one 's personal credit report. An answer to the attached letter of XX/XX/2019 ( Exhibit A ) would be appreciated. Exhibit B was an attempt to get an answer on line. I have never had a problem with any other credit bureau.
Consumer complaint received 2020-09-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020. The 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Receivable Recovery Services, LLC (LA)

This account was put on my credit report twice after it was removed. i called the credit bureaus and they aid it looked like the account number was changed and dates that it was opened was different as well. So I opened up an investigation on those accounts. and they are reporting as closed now and paid but they are not suppose to be on my report at all. Also Receivable Recovery. I have reached out to them numerous times in regards to some medical collections that is on my report. Those accounts were paid to the original creditor which was XXXX XXXX by XXXX. I 've asked for this account to be looked into and removed off my report but its like they are not going into it.
Consumer complaint received 2017-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My complaint is that Wells Fargo acquired my loan from XXXX XXXX in XXXX and Wells Fargo is trying to foreclose on my property with fraudulent documents. I notified Wells Fargo about my husbands signature being forged on the non borrowing spouse signature page and that the page was also notarized. I requested a copy of my original note and Wells Fargo sent me a copy stamped that the documents were certified to be copies of the original and I discovered the forgery. I have yet to receive a response from Wells Fargo. My understanding is that its against the law to foreclose on a property with fraudulent documents. I had to file chapter XXXX in order to stop the foreclosure. I have a statement from several Wells Fargo stating that my loan was handled correctly. I have proof that that 's not the case. I requested that Wells Fargo supply me with the notaries log page that should have my husbands drivers license number, thumb print and signature. I have yet to receive that also. Wells Fargo is suppose to make sure all documents are in order and correct before foreclosing and they did n't. Wells Fargo has already been fined for robo-signing and it looks like they are still doing it. I tried to work things out with Wells Fargo by requesting a loan modification and also asking for a settlement payoff amount. I have someone that was willing to pay Wells Fargo cash to payoff my loan and become my new lender. Wells Fargo needs to rectify this problem that I am having with.
Consumer complaint received 2019-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

About 9 years ago we contacted all three credit agencies with a dispute about a charge off from XXXX XXXX XXXX. We just found out XXXX of 2019 that the charge off was still on experian, not the others. Our bank was showing a credit score of XXXX and experian was showing a XXXX. Nine years ago we sent all three reporting agencies a copy of a letter and a substantial check, apologizing for the mishandling of our account. Yesterday we sent experian the copy of two more checks from a class action suit against XXXX  XXXX XXXX.US District Ct. XXXX District of NC. We filed a dispute with experian and added the copies of the new checks with a letter. Experian sent an email today saying to check the status of the complain. I was unable to sign in and tried several times. The options do not cover disputes. Upon signing in with new PW, I was prompted TO BUY their services. I never got to the dispute.
Consumer complaint received 2022-04-03
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. (IN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  XXXX XXXX and 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. 

Also these inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a regular weekly check senr from a checking account to another savings institutions on Friday of each week. This has been ongoing for more than five years. On XXXX the amount was transferred two days earlier than the Friday of that week XXXX. On XXXX though there was sufficient funds in the account the check was labelled with insufficient funds and iwas charged {$35.00} although there was more than enough $ to cover Bank of Americas mistake on posting the check two days earlier than XXXX. On XXXX i changed the account from which the funds would be withdrawn on XXXX. The $ $ was withdrawn from the original account and not the account which i had designated on XXXX The online banking page still indicates there was a check sent on XXXX although clearly it was not.