davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

XXXX, WellsFargo, XXXX XX/XX/18 : I sold a handbag on XXXX for a total of {$410.00}. 
XX/XX/18 : XXXX received {$410.00} that Icouldnt actually access. I refunded the buyer {$31.00} because she didnt want to pay sales tax and then I refunded the remainder of the money and sell the bag to someone else. I had already paid for and printed the shipping label. I canceled the order on XXXX, refunded the buyer via XXXX ( as instructed ), and voided the shipping label. 

XX/XX/18 : I woke up to realize my Wells Fargo checking account was overdrawn. They were VERY QUICK to take money FROM ME to cover the refund but they STILL HAVENT released the original payment amount to me! Wells Fargo debited my account to cover the transaction ( meaning I dont have any funds to pay any of my bills ) but XXXX still shows everything as Pending! 

XX/XX/18 : Wells Fargo charged me a {$35.00} overdraft fee for the transaction. So the took my money and charged me a fee within a day yet somehow the transaction is STILL NOT COMPLETE. Why am I the last one to receive access to payments TO ME!?

Wells Fargo has also recently started rejecting automatic online bill payments then charging a {$35.00} Return Item fee. I originally turned off overdraft services to avoid the {$35.00} Overdraft Fee but was told I was still being charged multiple overdraft fees because they still authorize transactions like car payments. So by the time I got used to that ( I.e. theyd already gotten a few fees from me ), they started REJECTING those same transactions that would have resulted in additional Overdraft fees AND charged a {$35.00} Return Item Fee! Dishonest and a manipulation of customer expectations!
Consumer complaint received 2021-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

On XX/XX/XXXX, I submitted a complaint ( FSA Feedback Case : XXXX ) to understand better the status of my application for TEPSLF. I was told there was nothing to be done to address the following concerns, but to wait. Here was my original concern : I started the TEPSLF process on XX/XX/XXXX, sending in my request to XXXX, as directed ( email attached ). I received confirmation of my request via email on XX/XX/XXXX ( email attached ) .I received my PSLF 'denial, ' as expected, on XX/XX/XXXX. All was going according to plan! Six weeks later, on XX/XX/XXXX, I called XXXX for an update on my application, and I was told that I did not have an active TEPSLF application on file, that I was 'denied. ' I did not receive any written notice of this denial. The Representative told me that this denial was due to the fact that I submitted my TEPSLF request prior to having a PSLF denial on file, which was a mistake. He said I did everything right and that he could not explain why this happened and apologized for the error. I asked to speak with a Supervisor. When I asked the Supervisor if my TEPSLF application could be re-activated or back-dated, to keep my place in line, I was told that was not possible. I was instructed to start the process over by emailing TEPSLF again. I emailed immediately on XX/XX/XXXX ( email attached ). I did not receive a confirmation email from XXXX as I had after my initial email in XXXX, so I called XXXX to confirm my 2nd request had been successfully received. My 2nd application was on file. I received notification on XX/XX/XXXX ( email attached ) that I had met the employer requirements and 120 qualifying payments ( as I expected ) and FSA would complete a final review for forgiveness. I have called XXXX every 2 weeks since then to check the status. I am often told conflicting information - it can take 30-90 days or it can take 180 days. One person even told me no applications will be forgiven until the CARES Act expires ( which can't be true ). The TEPSLF Program is first-come/first-served with limited funds. Starting the process over on XX/XX/XXXX meant I lost about 45 days of progress, nearly a month-and-a-half. I am now 3.5 months into waiting for a decision - FSA has had my application since at least XX/XX/XXXX - and I have been told it could be another 2-3 months! I write to kindly request that my application for TEPSLF be moved up in line for consideration ( back-dated to XX/XX/XXXX ) given the erroneous denial and unfortunate 45 day delay.
Consumer complaint received 2023-07-01
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. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (NC)

Several different Inquires are on my report that I have absolutely no knowledge of at all. I know for a fact that these Inquires are a result of Identity Theft. I have filled reports for several fraud accounts opened up in my name as well. Alot of these Inquires are repeated several different times on my credit report. I have attached a Federal Trade Commission Affidavit that has all the Inquires listed, as well as copies of these Inquires from the varies Credit reporting Agencies.
Consumer complaint received 2021-06-09
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: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc. (CA)

I Would like to sincerely asking you to help me To get fixed on all my credit Report Which is on XXXX and XXXX XXXX and XXXX it shows negative account activity this account its called kick off landing LLC Which was very confusing and I try to call them more than 20 times and dispute them with all the Creditor and they told me they can not do anything for me I pay them on time everyones was one dollar and it says here I have a late payment and it says I cant is paid and closed so its very confusing will you please sincerity helping me and make correction thank you
Consumer complaint received 2019-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: LTD Financial Services, L.P. (KS)

I first received a call from LTD in XXXX concerning a debt from my last rental property that was sent to their collections. The first call i received I was harassed by someone who stated they were a lawyer and would force me to live in the projects if i didnt pay the amount owed. After repeatedly asking for proof of the debt, they said i had to get it from the property, the property said it was sent off to LTD and they no longer had it. After 4 months i get an itemized statement showing outrageous charges ( amounts that didnt make sense ) for cleaning, damage etc ... called to try and resolve the debt after, never heard anything back. My wife finally called on XX/XX/XXXX to resolve the debt, was sent to voicemail and never heard anything. I called today, XX/XX/XXXX and the phone was picked up, however noone answered. I could faintly hear in the background people talking saying if they dont have job/money move on to the next as well as people mumbling, smoking, and coughing in the background. I do not believe this business is legitimate and they are scammers. According to XXXX reviews we are not the first to have this issue.
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In XX/XX/XXXX after requesting a change of address on my Capital One account, I was asked to provide detailed paperwork, which I did not have. This paperwork was more detailed and difficult to gather than the paperwork required to open the account. 

Since I was unable to gather the paperwork together, my account was put into Restricted mode in XX/XX/XXXX. While in Restricted Mode, I was unable to access my account, use my card, or use the more than XXXX rewards miles I had accrued. At that time, I paid off all balances and could not provide the requested paperwork. My balance was XXXX. I never had missed a payment or made a late payment. 

In XX/XX/XXXX, my account was charged with a {$59.00} Capital One Member Fee. I was not warned that this charge would be coming nor was I aware of it. 

In XX/XX/XXXX, my account was charged with a {$25.00} Past Due Fee and an Interest Charge of {$1.00}.

In XX/XX/XXXX, my account was charged with a {$35.00} Past Due Fee and will be charged an interest fee.

In XX/XX/XXXX when I discovered these charges, I called Capital One. They said they could not warn me of the impending Member Fee, since my account was in Restricted Mode. They said they could not contact me, since they didn't have my updated paperwork ( although, my email had never changed ). I tried speaking with them to explain the aforementioned events, but they stated that this was their policy and there was nothing they could do. I then instructed them to close my account. In doing this, I forfeited the XXXX Rewards Miles. They said my balance remains and will be charged interest accordingly. I currently have a balance of {$12000.00} from the Past Due Fees and Member Fee on my restricted account.
Consumer complaint received 2021-10-26
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: EQUIFAX, INC. (CT)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion Credit Bureau is still refecting a collection account on my credit report that has been paid in full and the other credit bureaus XXXX  and XXXX  has removed this collection. 
XXXX  # # # XXXX opened XX/XX/2019 with a {$0.00} balance.
Consumer complaint received 2021-06-09
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. (NH)

credit report from XXXX, XXXX, and Experian/FAIR all report that I have serious delinquency Too many accounts open Too many inquiries last 12 months proportion of loan balances to loan amount is too high what are the serious delinquencies? 
loan balances are too high? no loans other than my school loan and mortgage How do I close my accounts without being penalized by credit reports
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (LA)

I sent 2 Certified Letters on XX/XX/2019 and XX/XX/2019 to Cavalry Portfolio Services , LLC to Validate my debt under the FDCP and never received any documentation with my signature on it as Validation as I requested. The collection is still reporting on all 3 bureaus as of XX/XX/2019. All I receive are statements concerning the debt they say I owe of {$3300.00}. The debt was not properly Validated on both attempts.
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC. (MA)

I am writing to you because this debt is too much for me to repay at this time as I am unemployed and I was recently badly injured because I was hit by a XXXX driver. As a result I can not work and I am asking for a deferment and to have the derogatory marks removed from my credit report.
Consumer complaint received 2022-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

I have been contacted 2 times by Credence Resource Management and requested bills BOTH times and never get them. The first time I ask for a bill to be sent to be was when they decided upon them self to email it so it was probably deleted, the second call was when they did not send a bill bit offered to setttle the amount due for a different amount. 


The thing XXXX raised red flags for me was it is so hard to get this company to send a bill to my house with so much fraud going on I want to verify the debt not pay a settlement of something I never owed.
Consumer complaint received 2020-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Hello After reviewing my credit report, There is alot of inaccurate information reporting on my credit profile. I have reach out to creditor as well as the 3 Bureaus. And there has been no response. The Creditor sent a Transaction Report but again those transactions were not mine. I'm a victim of identify theft as well as Covid19. I also reached out to credit Bureaus 2 months ago almost with no resppnse. I'm asking for those itens to be removed that does not belong to me. 

See Attachment. Thank you
Consumer complaint received 2018-02-14
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: STERLING JEWELERS, INC. (OH)

I have received two credit inquiries on my XXXX, XXXX, and XXXX credit reports from XXXX XXXX and XXXX XXXX Outlet. Both came from XXXX XXXX card services on behalf of Sterlings Jewelers. I have not applied for a credit card at either XXXX XXXX or XXXX XXXX XXXX.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CO)

The website for Barclays credit cards is incredibly confusing. There is no clear stated total transaction cost amount on the website. I have to personally calculate how much money will be owed on my upcoming bill, by adding up all the transactions myself. Currently I have several pending transactions and that is also not totalled anywhere. It is incredibly confusing and misleading to use this website to try and determine how much money I will owe on my credit card every money, prior to the actual bill.
Consumer complaint received 2018-02-12
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: Experian Information Solutions Inc. (MO)

After several attempts to have inquiries, collection accounts and a bankruptcy removed from my credit file I did some further research regarding my XXXX credit file and find that my personal information was breached.
Consumer complaint received 2021-06-30
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: LoanCare, LLC (CA)

I have never been late with my mortgage payments, and I have provided all 3 credit bureaus proof that I have paid on time, and they still will not fix my late payments.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Bank of America overdrafting system and few scheduling needs a COMPLETE OVERHAUL. XXXX, the pandemic and now the outbreak of omnicron and this bank specifically has zero to no options on waving fees for customers experiencing repeated Covid related issues such as myself. A period between the end of XXXX, I had experienced several reoccurring symptoms of Covid that prevented me from supplementing my SSDI. Which caused me to fall behind on some of payments due. Which caused my bank account with Bank of America to go negative. Despite for years have rarely any issues, the bank now has a schedule {$400.00} in overdraft fees scheduled to come out in XXXX that will be deducted out of my SSDI federal payment from social security that will prevent me as a disabled customer from paying my basic bills and necessities. I have already asked the bank last year on waiving fees due to my recovering from Covid symptoms during last 6 months of XXXX. The bank declined any assistance on the fees.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: MIDFIRST BANK (CA)

MidFirst Bank charged back {$260.00} to my company, which was a fraudulent charge back made by the customer. This amount also included a {$15.00} charge back fee. The customer XXXX XXXX reported to MidFirst Bank that the order she purchased was fraudulent. After I submitted proof to the bank along with her signature, phone number and email address informing them of me speaking with the customer they still processed a charged back. The customer have my product and now the funds, and then they have the nerve to charge me {$15.00}.
Consumer complaint received 2018-02-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ACQ Holdings, LLC. (MO)

I took a small {$800.00} loan out with XXXX  on XX/XX/2017 ; I asked that the re-payments be made in three equal installments, after the first discounted installment. The first payment was taken out on XX/XX/17 in the amount of {$100.00} ( 1 payment ) and they have taken subsequent payments every two weeks in the amount of {$200.00} ( 4 payments ) which equals {$910.00}. I called in and asked why they were taking that amount out and was told to " look at your contract '' which I did and it showed the interest rate in excess of 651 %! I was livid and I told them to go back and LISTEN to the recording where I requested my payments be made in 3 equal payments. They did not. I finally called again today and was told the payoff ( with their discount ) was {$870.00} and change. I asked why after they had taken out over {$900.00} on an {$800.00} principal amount was it still in excess of {$800.00}!! I was told it was " interest ''. I told them to remove my name and that I would be filing a complaint. I was told to go ahead.
Consumer complaint received 2021-11-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (OK)

I have a loan with Bridgecrest for my XXXX XXXX XXXX which I traded in on XX/XX/XXXX. On XX/XX/XXXX, Bridgecrest received my payoff check from the dealer. On the XXXX I contacted customer service because the car was scheduled for repossession, even though they had the check. I had previously given them the tracking number when the check was first mailed. The representative at Bridgecrest said the car would not be repossessed and the check would be applied to my account and backdated by the end of the week. I checked back on the XXXX and it was still not applied. I contacted them again and I was told the check was not enough. I paid the difference and was told that the payment would be applied and to check back by the end of the week. The payment has still not been applied. I have been assessed late fees and interest ( which they claim will be backdated but they also claim the check will be applied to me account within 48 hours every time I contact them ). They are also reporting to the credit bureau that I am late on my payments. I am at a loss how to resolve this. All I get is I understand your frustration. Be patient. It will be applied and backdated within 48 hours.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX  Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.