davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-12
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Southern Credit Recovery, Inc. (LA)

XXXX attorney at law sent a threatening letter implying it 's law offices were part of a collection team, out to sue me for XXXX dollars. 

They are connected to Southern Credit Recovery, they " charged off '' my debt even though i had paid it, and never actually wrote it off.
Consumer complaint received 2016-12-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (PA)

On Saturday XX/XX/2016 I checked my bank account at Wells Fargo they had withdrawn XXXX from my advantage checking account to my other checking account because it was overdrawn and I was not given any notice I called customer service they said when I sign up for Wells Fargo I sign a paper stating that they have the right to cover any overdrawn accounts but they never gave me any sort of notice so right now I have debits out there and checks coming in that are going to be charged for NSF fees the customer service rep gave me the overdraft number for me to call on Monday I even message Wells Fargo on XXXX and a woman named they only said that she will review it and get back to me and I have not heard anything from them I 've been with Wells Fargo for over 8 years and this is XXXX of many problems. I have even reported them to the XXXX for constantly calling me about them calling my number XXXX and XXXX times a day every day even on the weekends including XXXX and XXXX so I have numerous complaints into the XXXX but this XXXX is my main concern they withdrew money without me letting me know and giving me a chance to cover my overdrawn account.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC. (CT)

Check fraud was reported to Ally Banks loss prevention team on XX/XX/22, when it was discovered that a check I had written to a local business was stolen and cashed without endorsement. Since then, Ally has failed to give me regular updates on the investigation, and I was informed today that the investigator has not yet reached out to XXXX XXXX XXXX, where the check was fraudulently cashed on XX/XX/22. I have made multiple calls to Ally over the past two weeks, and have not been given satisfactory answers in regards to the investigation.
Consumer complaint received 2015-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NY)

I had my home appraised from a XXXX management company and the appraiser was XXXX XXXX. 
My home appraised for {$530000.00}. 
I have tried to no avail to make Freedom Mortgage remove the PMI insurance on my home. 
I now have 79 %. LTV so I should not have PMI insurance. 
Please help
Consumer complaint received 2022-02-01
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: A.R.M. Solutions, Inc. (CA)

COLLECTION NOTICE FROM : A.R.M. Solutions for the amount of {$28.00}. 

This was regarding a newspaper subscription from the XXXX XXXX newspaper that was ORIGINALLY subscribed through XXXX XXXX REWARDS program at the beginning of XXXX of XXXX for 1 YEAR ONLY. I was NEVER given any type of notice that if I didn't personally contact the XXXX XXXX after the 1 year expired, that i would be AUTOMATICALLY re -subscribed. i assumed that after the subscription ended, that i would not have to do anything if i didn't want to " RE-UP ''. I contacted the collection agency by phone on XX/XX/XXXX at Approximately XXXX Pacific time and spoke with a representative from A.R.M. and he told me that if i was to pay the {$28.00} now, that they could contact the XXXXXXXX XXXX and see if anything could be done.. 
He said that the XXXX XXXX already paid them, so why would you think they pursue this matter any further???? Sounds fishy to me!!!!
Consumer complaint received 2016-06-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is not for community when we bail the banks out of their crisis what my issue is I open a checking account a year ago, I was upgrading my checking account and was told it was base on my credit score and was denied not on XXXX XXXX or XXXX so this practice is totally not fair. The location was XXXX in XXXX, Tx the other issue is with the opportunitye checking your daily limit is {$300.00} with my balance being {$5000.00} this is totally not fair now you debit card has a daily limit not my checking account My debit card was denied because with an opportunity checking account I paid a water bill for {$160.00} with a balance of {$640.00} it denied my transaction XX/XX/XXXX I went to the branch to speak with a representative and was told it was my credit score and when was the last time it check my credit totally not fair. Then I applied for a regular checking account and was denied ; I have deposit money into this bank and I want other consumer to about this practice. We live in a capitalistic system why I cant open a regular account
Consumer complaint received 2022-02-01
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-03-24
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

the information they provided was incorrect I was unaware of any accounts that were closed due to fraud. they also took longer than 30 days to respond I would like to speak with the company
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (TX)

I'm absolutely livid with the experience so far with Ally/XXXX They bait and switch on their rates and credits/points. I downloaded my purchase agreement with a rate lock indicating 3.375 % with a {$240.00} credit. However, after the download into their system, to my disbelief, I locked in at 3.375 % with a {$300.00} charge. It really irks me when i get baited and switched, especially since I have had a banking relationship with Ally for several years. That bait and switch would of never happened with a live person. In addition, they do not respond. I have emailed and called into the aforementioned complaint. They're quick to get an appraiser out to the house to get your hard-earned money. and they simply ignored my request to delay the appraisal for 10 days. In addition, I requested them to send me an invoice of the cost of the appraisal because their policy is to refund the difference if it is less than the initial charge. I received an email from their employee. XXXX XXXX that it is the bank 's policy not to send you an invoice of the charge. That is simply unbelievable and there is a class action suit going on in regard to that. I expect better from this bank.
Consumer complaint received 2022-01-31
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. (GA)

Disputed Item : - Inaccurate Reporting XXXX XXXX  XXXX Last reported XX/XX/XXXX Closed Date opened XX/XX/XXXX Account type Credit Card
Consumer complaint received 2015-04-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

This started when I was a minor XXXX years old, I 'm now XXXX. XXXX XXXX which is now called XXXX, they indicated I 'm past due in an amount of over {$200.00} which I know I was n't. I was reported to Cheqsystems over 7 years ago and I have no idea how to get this removed so I can open an account. I 've done everything on my side to clear it. What now???
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MD)

I purchased an item for XXXX However I paid for this item through Paypal.com I was very excited for my item and made sure to include in the shipping instructions to request a signature upon arrival. 
2 weeks later i get a email saying my package was delivered. I never received anything. I asked all my neighbors if they received something. No one has seen a package for me. 
I contacted the Paypal.com They assured me they will get to the bottom of this as i was covered under buyer protection. I spoke with several people from paypal and I did everything they instructed me to do. I opened a case with XXXX because they were the ones handeling the package. XXXX looked into it and informed me that the XXXX driver left the package OUTSIDE of my apartment complex that has over 200 people living in the area practically in the middle of a winter storm ...... 
For an item this expensive they should have given it directly to me or requested a signature like i asked in the shipping instructions! 
I told paypal this but because the XXXX presented a tracking number, they closed the case in their favor and instructed me to still pay for the item EVEN THOUGH I DIDNT RECIEVE IT! I appealed the case and spoke with a supervisor from paypal. He completely understood where i was coming from but didnt know how else to help me. 
A week later i receive a letter from XXXX XXXX XXXX XXXX ( a debt collector ) about the funds paypal is still trying to make me pay even though i never received the item. 
I have an excellent credit score and refuse to allow paypal to destroy it. 
This complaint is about Paypal for not protecting their buyer and sending this to a debt collector. 
XXXX  for having the driver drop the package off in the middle of the street without obtaining my signature. 
asteriahair.com for not making sure their customer actually received the item that they purchased and lastly XXXX XXXX XXXX XXXX for buying this " debt '' in attempt to ruin my credit
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not request a fraud alert on my credit, I made a dispute of accuracy. I had an important loan meeting today and I could not advance because the credit bureaus put an alert on my credit file without a telephone number or my permission
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and will not help me with getting it back up and going i am not sure if this is some mistake as i assume it has to be i have not been able to get help from them for days but i just remembered i could file a report on here as feel they are not doing their job properly and it is effecting me a great deal as i need my money in paypal. My email linked to my paypal is XXXX XXXX
Consumer complaint received 2022-04-16
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. (CA)

In accordance with the Fair Credit Reporting Act the accounts listed below have 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 an account without my written instructions. 

Accounts Violating My Rights : - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - 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 XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX  - Account # XXXX - XXXX XXXX - Account # XXXX
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

I opened a secured credit card account with Citi Bank about 1 year ago and sent in a {$500.00} deposit in order to have a {$500.00} credit line. Last month Citi decided to close my account due to a returned payment I had which I fully understand is well within their right. My current balance is {$590.00} and the account is now closed. I just inquired with Citi when my {$500.00} deposit will be applied so that I can pay the remaining {$96.00} and wipe my hands of them as a company. I was informed that I am required to pay the full {$590.00} balance off BEFORE they will send me my {$500.00} deposit which means for the next 6-8 months they will be making interest off my balance that Im paying AND off the {$500.00} deposit that I had given. This policy seems predatory at best and at worst illegal.
Consumer complaint received 2022-01-30
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)

On XX/XX/2021 I received a copy of my consumers reporting file and noticed a tradeline reporting that I never authorized.. I filed a police report and was told to contact all reporting agencies to notify them of all fraudulent accounts and activities. I've spent countless hours and days gathering all the proper documents.. per 15 U.S Code 1681c-2 these fraudulent accounts are to be blocked and cease to be reporting on my consumer file.
Consumer complaint received 2022-01-04
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: T.S. Holdings (GA)

I reported that the information on my credit report was inaccurate and asked that the agency remove those errors numerous of times XXXX XXXX XXXX XXXX XXXX, XXXX IQ Data International IN XX/XX/XXXXXXXX XXXX
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I contacted the Credit Bureau, requesting validation of the Bankruptcy, because I did not file a bankruptcy. I was sent back a credit report stating that the bankruptcy had been verified by the XXXX Court ( but no documentation to support that ) and if I had questions to contact the XXXX Court at the address listed on my Credit Report. I sent a letter to the XXXX Court requesting they 're procedure for verifying information with the Credit Bureaus and they sent me a letter back stating that they do not report to any of the Credit Bureaus.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IL)

In the month of XX/XX/2023, The company Nelnet Student Loans combined my student loans together. Previously, there were 3 accounts that emerged into one account held by Nelnet. By doing so the major credit bureaus : XXXX, XXXX and XXXX XXXX dropped my score stating that my loans increased. The amount never changed only the number of accounts. This transaction has dropped my XXXX score tremendously.
Consumer complaint received 2021-07-27
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. (FL)

The consumer reporting agency is violating my consumer rights under 15 U.S. Code SUBCHAPTER IIICREDIT REPORTING AGENCIES. 

There are multiple federal violations that the consumer reporting agency are knowingly violating. I have previous notified them of these violations through CFPB. I have also submitted an affidavit of truth and a demand of removal from my consumer report. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I hold the consumer reporting agency civilly liable for their gross negligence. 

Attached are the Demand of Removal Letter and affidavit of truth that includes the FCRA violations and resolution.
Consumer complaint received 2021-03-23
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. (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY fcra violations not mine all listed on all : XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$16000.00} written off. 
Account TypeCredit card Balance {$16000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$810.00} written off. {$810.00} past due as of XX/XX/2021. 
Account TypeCredit card Balance {$810.00} Date OpenedXXXX Dispute XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3600.00} written off. {$3600.00} past due as of
Consumer complaint received 2017-01-22
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (IL)

The company applied a large interest charge to my account and since that charge has been charging interest on top of the charge. I have tried three times to resolve this issue. Each time I have spoken with the company, they have sent me letters and said they have provided documentation that I agreed to the terms. They have not sent any documentation. I wish to settle this charge with penalties to me as they do not have any documentation that I agreed to the terms and are being dishonest. The last call I had with the client the woman boldly lied to me and said she was looking at the agreement I signed. I never signed an agreement, she then said she would send it, they sent nothing but letters that said there were enclosures and there were not. I called back multiple times and no one will call me back.
Consumer complaint received 2022-01-03
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. (FL)

On XX/XX/2021 I sent out a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantaged of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immedietly remove these items from my report, it has been over 60 days so the items should be deleted promptly. I demanded these accounts be deleted or I will file for litigation due to the stress you 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 2022-01-02
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. (NC)

On XX/XX/2021, I contact the CRA to via certified mail to dispute erroneous accounts on my consumer report. After about two and a half weeks, the CRA reported back that the information came back verified from the original creditor, which is wholly inaccurate, as I am the original creditor pursuant to 15 USC 1602 ( l ). 

On XX/XX/2021, I contacted the CRA again, to request that those same accounts be removed again. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ), these accounts being listed are again in direct violation of the FCRA and should have been deleted on XX/XX/2021 when the first disputes were mailed out and should not have come back verified.
Consumer complaint received 2022-01-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Recovery Management Solutions LLC (NJ)

XXXX XXXX from XXXX XXXX with a phone number of XXXX XXXX XXXX called my father my sister and my uncle and told them all that I was going to go to jail if I did not pay? Pay what? No main creditor was identified. 

XXXX XXXX XXXX
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IN)

My loan has PMI insurance. The current principal balance is 74 % of original appraised value and the company is still taking out PMI insurance included in my payments. There are no late payments, loan is current and always has been.
Consumer complaint received 2022-01-02
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. (NC)

XX/XX/XXXX i contacted XXXX XXXX XXXX to inform them that i would like a fraudulent account removed from my credit report and what actually happened was that XXXXXXXX XXXX XXXXXXXX reported it as an closed collections which is impacting my credit report, i had already requested the fraudulent to be completely removed and deleted due to some contract being opened and reported with XXXX XXXX with out any of my knowledge.