davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I recently ( XX/XX/XXXX ) completed a Wells Fargo to Wells Fargo refinance. On XX/XX/XXXX, I received a delinquent tax bill in the mail for my school taxes. I immediately went online and then called Wells Fargo Mortgage XXXX to understand why they only paid {$100.00} on XX/XX/XXXX, when my school tax bill was over $ 5k? The woman ( XXXX ) I spoke to at Wells Fargo had to research with the Tax department. She called me back an hour later and said this was an error on their part and they will pay the late charges and fees. She said they looked at the wrong tax amount when verifying with the XXXX XXXX Tax Assessor. I explained that is great they will pay the late charges and penalties ; however we have a bigger issue now as my refinance took into consideration the lower school tax amount and used approximately {$8700.00} of my escrow to payoff my loan. When I closed I was unaware the wrong tax amount was paid on the old loan. All I knew was the school taxes were paid. I would of never of questioned that my Mortgage servicer would of paid the wrong amount. My new loan only had about {$1700.00} moved over to my escrow. They have my taxes wrong on the new loan as well. This error is on Wells Fargos part and is going to cause a major escrow shortage and financial hardship for me as I believe my escrow is going to go up about {$800.00} a month once they pay it on the new loan. If I would of known Wells Fargo did not pay the correct amount on my school taxes for my old loan I would of never of signed those closing documents. The goal for the refinance was to move from a 30 to a 15 year with bringing no cash to closing. I would have requested a higher principal balance to ensure that was the case. I filed a case with the Customer are and XXXX XXXX at Wells Fargo as well on XXXX with XXXX XXXX, Case # XXXX. The man that called me last night ( I did not catch his name as I was at a field hockey banquet for my daughter and dealing with this ) had me repeat everything, had no access to the mortgage systems and told me the notes documented did not align with what I was telling him. He showed no urgency that my school taxes are currently past due and that the penalties and late charges will continue to increase if not paid for the correct amount by XXXX. He was rude, kept throwing timelines of business days at me for researching if this is a Wells Fargo error or not ( it clearly is ). Told me if I did not spend the time repeating everything I had already told them he will need to research with what he had. I questioned his integrity so I asked for his manager to call me back. He told me it will be another two business days for a manager to now call me. I requested before the manager calls me they pull my call recordings from XX/XX/XXXX where I spent over 90 minutes dealing with this matter with XXXX and XXXX. If their notes are not written well, then those call records should be pulled. I need help from the CFPB to ensure this is resolved without putting me in a financial hardship.
Consumer complaint received 2021-07-06
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 — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (MS)

On ( XX/XX/2021 ) please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the account and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Consumer complaint received 2017-11-20
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: INTERCONTINENTAL CAPITAL GROUP (AZ)

I replied to a letter about lowering my mortgage and the guy asked to run my credit and I told him no. He told me it would be a soft check and I agreed. It was not a soft check and showed up on my report in XXXX 2017. I called numerous times until I was assured that it was being removed. It has still not been removed and I received assurances a second time after filing a complaint with the BBB. It is still not fixed and the person contacting me from the company will not respond to any of my corresponances.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I checked my business account balance and saw a pending transaction for {$100.00} as well as a transaction that posted for {$20.00}. The available balance in my account did not cover the amount of these transactions so I transferred {$45.00} to my account cover it, bringing my balance to {$100.00} ( according to Truist 's online banking system ). The next day, XX/XX/XXXX, the pending transaction of {$100.00} posted to my account along with an overdraft fee of {$36.00}. I am confused as to why I was charged an overdraft fee since I made a deposit to cover any pending transactions I made the day before. According to the XXXX Truist reps I spoke to ( XXXX by phone and XXXX via chat ), there was a pending transaction of {$10.00}, which made my account negative. That {$10.00} transaction then posted the following day ( XX/XX/XXXX ) and XXXX {$36.00} fee was charged to my account. I did not see the {$10.00} transaction pending on XX/XX/XXXX, so it had to hit my account on XX/XX/XXXX ( or else I would have deposited more than {$45.00} on XX/XX/XXXX when I checked my account ). I understand receiving an overdraft fee for the {$10.00} transaction but I do not understand why I was charged XXXX overdraft fees. Truist seems to think they are in the right but it does not seem right to me. They also have a policy saying if a deposit is made by XXXX, it will post to your account that business day. I did this. And I deposited cash. I don't see what I could have possibly done to not be charged this fee. I asked them what I could have done differently to avoid this fee and the representative just recommended more bank products to me. I have screenshots of my chat conversation as well as a screenshot of my bank account for these 3 days.
Consumer complaint received 2021-09-10
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
Also, how can they report different information to all three credit bureaus? The high credit, credit limit, date last reported, date last active and date of late payment are all different.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (WA)

I applied for a mortgage and Equifax sold my information to another mortgage company which called me to solicit my business. He told me my credit was good and he could help me get a better rate. I explained I was happy with my broker but he was persistent. I finally got him off the phone by having him email me his information. I never gave Equifax approval to sell my information to anyone. Is this legal?
Consumer complaint received 2015-08-02
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: GFS II, LLC (FL)

There is an open car loan in my name from 2005. It is showing open with a balance of {$24000.00} and XXXX credit limit XXXX Payments XXXX Past due. I called this company Gateway Financial for 3 weeks requesting they fax me a letter stating I have no car loan an to please fix my credit through them. I have n't received no phone calls, every time I call I get the same response " the credit department is n't in today ''. I am at wits end on what else to do to rectify this issue with them. Please help!
Consumer complaint received 2021-09-22
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. (WI)

I am an authorized user on my deceased friends XXXX XXXX  credit card. I called several times and sent in their required death certificate. I was told it has been taken care of several times. They REFUSE to remove the XXXX dollars owed from my Experian credit report. Experian will do nothing to help. I am. XXXX XXXX  XXXX and financially destitute and can not afford a lawyer. They LIED to me repeatedly.
Consumer complaint received 2021-09-22
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. (CA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. ()

Our bank account at Ally has been frozen. They wont say why. We tried to wire {$10000.00} out to a XXXX account that we own ( same name ) as a first step in wiring all our money out due to the terrible service we had there with our investment account ( see previous complaint ). 
1. We created the wire online and got confirmation 2. we then got an email saying it will be processed 3. we then got an email saying that the wire has been cancelled due to fraudulent activity.

4. we were locked out of the account online 5. we called the number and an extremely rude person asked us some questions, then said that she will pass the questions to the " XXXX ''. We asked why we have been marked as fraud and she refused to answer that. We asked to speak to a supervisor or the XXXX and she refused, saying " someone will get back to you '' 6. of course, no one got back to us, our account is locked and we can not wire money out. 

All we want is to move our money out of Ally who have been sitting on our money since XXXX with a variety of excuses
Consumer complaint received 2021-09-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Hello, I have applied for Bank of America XXXX miles credit card, as it had an attractive XXXX miles promotion. I have spent the required amount ( {$2000.00} ) as soon as I have received the card yet did not receive the miles promised. 
I have contacted customer service on XX/XX/2021 and was told that I need to wait till the miles " post '' on my account. I informed the representative that nowhere that it said on the offer that one needs to wait to get the miles after {$2000.00} is spent, so I was counting on the miles to buy my ticket for my birthday trip. The representative ( XXXX ( XXXX ) out of XXXX ) said there was nothing she can do and I needed to wait. I explained that I can not wait as I was counting on the miles to book my travel... She refused to transfer me or further look into the issue. 
I want to say that it is a shame and malpractice on XXXX XXXX and BofA end to lure people in with the credit card promotion and not to disclose that the promotion can not be used until much later... I booked my hotel already ( with the new card ) and was counting to book my flight this week with the earned XXXX  miles that had been promised in the offer. I would have not gotten the card had the offer been properly disclosed. I am a XXXX XXXX XXXX and work full time, so I really needed those miles to help book the travel and was so excited to use them for my birthday trip ... Now I can not do that, as Alaska did not disclose the promotion and covered up the important pieces of it. In fact, I am not even sure what to do now, as the hotel in not refundable and I don't know where to look for the funds for the trip that the Alaska miles were supposed to cover. 
This situation is not only disappointing, it is a true customer deceit. And the fact that the representative had no desire to help or even look into helping is even worse. 
I believe that in times especially now with what is going on in the world, it is credit card companies ' responsibility to advertise mindfully and not to confuse the public with the offers like that.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the fair credit reporting act 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.
Consumer complaint received 2018-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX has my account listed as PAID on my credit reports. Also listed on my credit reports with XXXX funding as OWED, NO PAYMENT. 
I would like to have this REMOVED from my credit reports. I would like this information that is INACCURATE to be REMOVED from my credit reports. 
If an account says PAID, then it CANT say STILL OWING for the SAME account, that is INACCURATE.
Consumer complaint received 2019-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Mid-Minnesota Management Services, Inc. (MN)

They keep calling me for my ex spouse that I divorce years ago and I even give them his phone number. He live in XXXX I told them several times and they keep calling me. I dont know how to stop this calls. They are calling for XXXX XXXX
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (NY)

I 've spent the last 6-8 months setting up payments with this company. 
they either lock me out of my account for two hours at a time. and i have to change my password every time. i have to call and manually make my payment. i was given the wrong information to post a payment and make my account current. this card charges me XXXX a month just to use it. i have gone late on one payment and i ca n't even log in to make it. my credit score just dropped 49 points because of this. its becoming a nightmare and i feel this a scam of a credit card.
Consumer complaint received 2024-03-11
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: Bread Financial Holdings, Inc. (NY)

I have disputed the information for the referenced account, with both the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 
I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. Under the New York Credit reporting time limit and the Fair Credit Reporting Act, under Section 625 of the FCRA, and the XXXX XXXX XXXX XXXX  ( A ) ( 1 ) - ( 2 ), ( f ) ( 1 ) ( i ) ( ii ) - ( vii ) chapter 1 to 90, this laws specified by section 's : -Section ( iii ) paid tax lien, Judgments which been paid, satisfied or vacated tax lien involving a purchaser, transferee or assignee, tax notice or from state tax commission who's liability has been wholly paid or satisfied or no longer exists, should be deleted in the report within 30 days.-Section ( iv ) any accounts placed for collection or charged to profit and loss or Charge off / paid in full charge off account should be remove / delete, or not reported for more that 5 years on credit once charge off or once the account it's paid should be remove within 30 days.
Consumer complaint received 2022-08-05
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. (IL)

My issues are being ignored, and I feel taken advantage of! I have previously contested this account, as I can tell that you are reporting false information. The opened, last reported, and last active dates are incorrect!!! Even so, you fail to verify this account!!
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I fell behind on credit card payments for my Capital One Card. I called on XX/XX/2017 and worked out a payment plan with them for {$32.00} a month at 4.25 % interest for 60 months. The next month, I start receiving collection notices from a collection agency for the balance due. I have continued to make the payments of {$32.00} to this day to the Capital One Card. They are still reporting the account as open and delinquent in addition to the new collection agency. 
In addition, I have tried resolving it with Capital One Card and they will not even speak to me and told me that my payments had bounced in which they had not. I tried to dispute with the credit reporting agencies to no avail.
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is again pushing their terms on me but years back I asked for proof and documentation that I am bound to Bank of America terms. Yes, this is an old issue but BOA has never provide proper and appropriate documentation. My loan originated with XXXX XXXX, then Countrywide and the question is not IF the loan could be transferred but instead simply want the legal details and documents of the transfer. BOA has sent my original loan docs probably 6 times, their terms countless times, they have said I need to contact others ... None of that is what I am looking for as again, this is not a question of 'if ' just the 'how ' which is the legal transfer of the loan, something signed or sealed by the court ... I however feel those claiming to service the loan and those benefiting from the servicing should be able to provide something as fundamental as this legal documentation, really seems like I should and could stop making my payments until BOA provides this. 

Now for the insurance issue, I do have current coverage on the home and when BOA provices that information, I will turn it over to BOA. Now that BOA can no longer pull money from my account as well as they have done so illegally in the past, I now wonder how they will deal with this?!?!? They can bill me and charge me fees, but I will re-state that my payments are only authorized to be used for principle and interest payments, if BOA terms state differently, then again, prove I am bound by those terms but also consider that the second I provide proof of my coverage, that means BOA is completely wrong with whatever actions taken and I 'm still pretty sure one day all of this will end up in court and the list of BOA illegal and/or unethical and/or inept actions have done nothing but expanded and I 'm guessing it will be interesting, and bad for BOA, when a judge sees what BOA has put me through. Of course I wish the CFPB would actually do their job but that seems like a stretch at this point. 

I will state again so there is no confusion, the payments I currently make to Bank of America are to only go to the principle and interest payments on the account, no part of the payments are to be used for fees or other charges. Further, I request all fees to be presented in writing and via USPS mail service, not digitally since BOA deploys deceptive reporting in an effort to confuse consumers ( using a general ledger format ).
Consumer complaint received 2019-11-06
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. (VA)

I have contacted XXXX, Equifax, and XXXX several times via phone online, and by mail, on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to purchase a home and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX. 
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