davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CO)

When contacting Wells Fargo to stop an ACH debit for a specific company they require the amount. If the company changes the amount to try and get the money, Wells Fargo requires you to place another stop payment for additional {$31.00}, for any amount that they may try to process. This can add up and puts the customer in a situation to be taken advantage of by the ACH company or Wells Fargo. They should be able to stop an ACH payment based on the ACH company name.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Chex Systems Inc. has a recent claim that XXXX XXXX XXXX has verified that I have an unpaid debt with them. 

Yet again, they have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the XXXX XXXX XXXX XXXX XXXX & # XXXX  ; s office, should you continue in your non-compliance. 

I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX, XXXX  ), you may be liable for your willful non- compliance.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, CA. XXXX XXXX XXXX XX/XX/2017 1. XXXX, IN XXXX 2. XXXX MI XXXX 3. XXXX, PA XXXX 4. Copy : ( 1 ) TRANSUNION ( 2 ) XXXX ( 3 ) XXXX RE : CREDIT REPORT CORRECTION : XXXX The attached STATEMENT OF ACCOUNT from XXXX has written off this debt collection to XXXX balance. 
a. I am requesting XXXX, XXXX and XXXX to stop their continual harassment, fabrication of lies, and distortion of facts of fraudulent debt collection on this case immediately. 
b. I am requesting that XXXX to report this item to credit bureaus of TRANSUNION , XXXX and XXXX as per the statement of account attached to stop the fraudulent business practice of XXXX 
c. I am requesting from TRANSUNION ( 2 ) XXXX ( 3 ) XXXX that this debt collection still listed on my credit report be removed and should be disregarded by the credit bureau agencies ASAP. 
d. I am demanding that XXXX order the removal of this item off from my credit report. 
e. I did not signed, received or order any treatment from XXXX, the XXXX Sheriff Department order and signed off for this treatment to cover up an illegal arrest and I was never treated by XXXX, the {$0.00} balance as indicated in the statement of account attached should be updated with the credit bureau as {$0.00} balance and this items removed from my credit report ASAP.
Consumer complaint received 2022-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC (MS)

Calvary portfolio attempted to sue me in the state of XXXX. They are garnishing my check. I was not notified until after they gatnished my check. I do not live nor own property in XXXX
Consumer complaint received 2022-01-07
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. (GA)

Good Morning I have been monitoring my credit recently and I have noticed two accounts reporting to all three of my credit bureaus information that is not mine. Please send this to the appropriate department and get them taken off please.
Consumer complaint received 2017-10-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

This is a long bizarre story but I will give you as much information that I can get in this space.. On XX/XX/XXXX I got a call from someone posing as my grandson that he was in jail injured and needed me to set up a bond to get him out. I talked to the supposed head counsel and he advised me to send XXXX via direct deposit. He gave me the name of the bondsman and his account number for a Chase bank account. I went to Chase Bank and told the teller my story and she advised the best way to send this money was by Direct Deposit and made the transaction from my savings account to their account. I asked her if the name and account was legitimate and she said yes and she put in thru. I found out 2 hours later that this was a fraud. I immediately called Chase headquarters to put a freeze on my account. They told me they could do nothing about this that I would have to go to the bank and they would reverse it. The bank was closed Saturday at XXXX and all day Sunday. On Monday. I went in as soon as they opened and they said they could not help me. On Saturday I filed a police report. I called Chase home office numerous times and got mixed messages and a run around. I was never told that if I did a direct deposit I could lose my money and that Chase would not be able to investigate the fraud.
Consumer complaint received 2022-09-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened XXXX. XXXX, 2015 XXXX : {$0.00}
Consumer complaint received 2022-03-29
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. (OK)

I disputed two items on my credit report and they pretty much told me that the two items I disputed about was mine. I have a twin her name is XXXX XXXX and mine is XXXX XXXX. Our SS # 's are two numbers off, we live at the same house and work for the same company. I am at my wits end with this. We are XXXX different people and they keep saying her XXXX is mine on my credit report. I want it fixed, and at this point I don't know which way to go other than investing money I don't have for an attorney to get this rectified. Please give some incite as to what can be done.
Consumer complaint received 2021-06-04
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: Porania, LLC (NY)

1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 


4. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

5. Identity Theft XXXX BANK Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
Consumer complaint received 2016-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: EdFinancial Services (WI)

I have requested to have payments above my required payment to be applied to principle and have been told that it ca n't be done. I have requested on more than XXXX occasion going back at least 12 months. This is from ED Financials statement : the Extra Payments. Paying off your student loans sooner is easy at Edfinancial.com. When you pay more than the minimum amount due, you can direct the extra amount to specific loan groups. You may also request one-time or recurring special payment instructions via phone, email, or mail ( including your account number ) using our correspondence address : XXXX XXXX XXXX, XXXX, TN XXXX. If you plan to pursue XXXX, visit XXXX for more information regarding prepayments and how they are counted as qualifying payments.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

I had an account with Experian that I set up to allow me to have unlimited access to my credit report. It was working well until they increased the minimum monthly charge by approximately double. I contacted them by phone and spoke to an Experian Customer Service representative who researched my account ( by SSN and credit information ). The rep was able to confirm the months that I was charged the higher monthly service charge and when and why the price went up. I explained to the rep that it was my understanding that the rate would n't change and was told that the situation could be rectified. I was immediately credited 2 months of service charges and am still due 5 months of charges. I have since cancelled the service ( over 1 year ago ) and still have not received the refund of approximately 5 months of remaining service charges.
Consumer complaint received 2022-09-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX To : ( transunion, XXXX, XXXX ) Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX : ( XXXX XXXX XXXX XXXX. XXXX XXXX, Ga XXXX ) Dear Consumer finance protection Bureau & trans Union and XXXX and XXXX Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion is not doing a thorough job in verifying inaccurate information on my credit report. When calling by phone, the reps are rude, do not understand English, and just do a canned dispute. XXXX XXXX ( XXXX ) has been playing games with my Transunion credit report for about six months. First this company knowingly placed a bogus 30-day late on my credit report because consumer researched Alabama usury law and filed a complaint with a state agency. Consumer had to file a complaint with CFPB to get Transunion to act and follow FCRA. Transunion then apologized for its error, and the 30-day late was removed, but XXXX placed a bogus balance with a satisfactory account. Consumer disputed this because the account has been PAID IN FULL since XXXX XXXX, XXXX, and then Elevate placed a delinquent balance that is different from the previous balance on the credit report. Again, Transuion, by phone dispute, stated the item had been verified as accurate. Then, another complaint with CFPB where XXXX placed back that bogus balance with a satisfactory account -- trickery. Consumer placed another dispute with Transunion stating that the account is PAID IN FULL. Then XXXX placed a delinquent account with a different balance, and Transunion verified as being accurate. Consumer placed another dispute with Transuion because account is PAID IN FULL. Then XXXX, again, placed a bogus satisfactory account with a different balance, and Transunion verified as accurate. Consumer placed another dispute with Transuion because XXXX, again, placed a delinquent account with a different balance, and Transuion verified as being accurate. Enough of the game playing from XXXX. Consumer is not sure why Transunion can not figure this out and just keep claiming they verified this back and forth, switch and bait, reporting. The integrity of this credit reporting agency should come into question. This is not fair to the consumer to let this back and forth go on. XXXX is willy nilly placing inaccurate information on my credit report to force me to pay something I do not owe!
Consumer complaint received 2017-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (CA)

Recently, I was sent an invitation to join Navy Federal Credit Union. I applied online, and then received an email requesting additional identification documents with a link to upload them. I received a confirmation email saying that I would receive notification of my membership with in 10 business days. Three we eks later after not hearing anything, I called the phone number listed in the email. I was told there was a flag on my account. I was transferred to some department where a lady named  XXXX  informed me that I owe {$600.00} t o NFCU f rom  XXXX . I told her I was a member a long time ago, but do n't recall when. She told me that I joined in  XXXX , which I vaguely remember ; but I told her that I do n't remember when I last used my account. Since  XXXX , I have filed for bankruptcy in  XXXX , repaired my credit, paid ALL debts, and successfully qualified for a home loan. I explained that to  XXXX , and asked why this debt was never reported to any collection agency or credit bureau. I also asked why a formal invitation had sent to me, if this alleged debt is blocking my joining. She mumbled something about records being purged. At that point, I told her that I had no knowledge of the debt other than her word, and informed her that I no longer have any interest in doing business with NFCU. This was a complete disservice, as I was required to submit some very sensitive information. It feels like a phishing scam.
Consumer complaint received 2016-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stephens and Michaels Associates, Inc. (MN)

Hello stephens and michaels called me and said i owed XXXX from XXXX and when i talked to the lady she gave me an address i nver ever lived at before. So i called XXXX to verify that they sent it to them for collections and come to find out they never did this debt agency is a scam they are gon na mail ne something in the mail and verizon said they never sent it to them. They tried to give me a deal and they were so rude and wanted my personal information and trying to collect money for something they dont have or i dint owe
Consumer complaint received 2015-07-22
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC (OH)

There is a collector name XXXX contacting me at work and on my cell XXXX ext XXXX he is stating he is trying to locate me. he calls my job and just hits other extensions and talks to other people and asks them to give me a message. It needs to stop, he claims he is an attorney that i need to give a statement he leaves all this information on my voicemail not knowingif its me or not.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lenox Financial Mortgage Corporation (CA)

Below is a copy of the email I sent to XXXX at Lenox financial concerning he issue. After no response, I sent a follow up email on XX/XX/XXXX, to XXXX XXXX, Senior Sales Manager who replied that forwarded the email to XXXX  and their legal department. Still no response. 

XXXX XXXX XXXX Attachments Mon, XX/XX/XXXX, XXXX XXXX  ( 8 days ago ) to XXXX  Dear XXXX XXXX XXXX XXXX instructed me to contact you concerning my bad and costly experience with Lenox. He did not have the ability to resolve the issue. 

I began a straight forward XXXX  XXXX refi process with Lenox on XX/XX/XXXX. It was advertised on the radio as closing in two weeks. XXXX notified me that due to the volume of refi applications and lack of staff, I should expect to close in 30-60 days. Please review this message string to see all of my communications with your team. On XX/XX/XXXX, 5 months into a two week process, I cancelled my application due to Lenox 's failure to perform. 

During those five months, your team : Pulled our credit reports three times, dropping our scores nine points Requested payoff statements three times from XXXX XXXX. Each of the three statements, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, had language explaining that the escrow impound account would be frozen. My property taxes due XX/XX/XXXX and past due on XX/XX/XXXX were not paid. My property sits on two parcels, both incurred a penalty of 10 %, for a total of {$420.00}. I expect you to promptly reimburse me for the tax penalties. 

I went with XXXX, and the refi process was completed and recorded in 18 days. We lost 4 days, due to my delinquent tax situation your team caused. 

If your team kept their commitment to close in two weeks, or even 30-60 days, I would have saved about {$150.00} per month in lower payments. 

At this time, I am requesting you reimburse me for the tax penalties and we'll consider the matter closed. 

The cost of extra interest I paid and the damage to my reputation and credit score will be chalked up to the privilege of doing business with your company. 

I have attached supporting documentation for your review.
Consumer complaint received 2016-04-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IA)

I have a complaint against U.S. Bank XXXX. I noticed I was overdrawn XXXX. I immediately deposited XXXX which brought up account balance to a little over XXXX. Then they still going to charge me an overdraft charge. Why? The account was n't overdrawn at that time ...? Seems they are mad because I got the account back up before they had the chance to charge me, but chose to do so anyway. I want my XXXX back. How dare they pull such shady practices. Most banks give you XXXX free overdraft, this was my fIrst XXXX. Please help me as banks should not be able to pull such bogus deals. 

I want my XXXX refunded. 

































XXXX {$20.00} - {$4.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX Ia {$6.00} {$15.00}
Consumer complaint received 2015-10-23
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (FL)

I am unable to access my funds, no direct deposit for 2 weeks I have a savings account on it and I cant even use those funds. Every time I call I get hung up on or they tell me they can not help me. I have resourced all my cash and have bills piling up.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

USBank LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On a recorded line, XXXX with USBank has violated CA State and also required us to hide money from XXXX by saying the homeowner needed to bring in funds to close the short sale. USBank had previously approved this short sale at $ XXXX. Now they want {$11000.00}. I told XXXX and her XXXX XXXX, that what they are asking us to commit XXXX ILLEGAL ACTS 1 ) Violate State Law by asking a homeowner to bring in funds in a short sale, and 2 ) Violate Federal Law by giving a XXXX TD more money than is allowed by XXXX. 

With all the stuff in the media with XXXX XXXX being fined by the CFPB for this exact same loan fraud, it amazes me that USBank is now so blatant as to ask us to commit federal loan fraud by providing funds outside of escrow - essentially asking us to HIDE MONEY FROM THE FEDERAL GOVERNMENT.
Consumer complaint received 2016-03-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCS, Inc (TX)

I have attempted to contact National Credit Services , Inc. via email and phone in order to have an incorrect account on my credit removed. The account in question involves an eviction from XX/XX/XXXX which was paid off in XX/XX/XXXX directly to the property management company ( XXXX XXXX XXXX ). I have a Release of Judgement showing that the amount is paid in full but have not been able to reach anyone at National Credit Services , Inc .
Consumer complaint received 2015-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Dynamic Recovery Solutions, LLC (CA)

dynamic recovery solutions keeps calling me about a debt that I know longer owe. I wrote them a letter to ask the to stop all communications about the debt but the continue to call me even more.