davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

A check written to the XXXX XXXX Tax Collector Treasurer for {$8500.00} dated XX/XX/XXXX was mailed by me at my local post office in XXXX CA XXXX, on or about XX/XX/XXXX, was fraudulently endorsed and cashed through a personal account at a Wells Fargo branch on XX/XX/XXXX. I saw the check had cleared my account within the week after mailing and had no idea it was fraudulently cashed by someone other than the Tax Collector until I received a default tax letter in XX/XX/XXXX from the Tax Assessor stating my taxes were not paid and I was in default. After checking to see the check had been cashed and that the tax accessor had no record of the check I requested a copy of the cancelled check through my banking institution. XXXX XXXX XXXX. My Banker at XXXX XXXX XXXX and I then filed a Fraudulent Check Complaint # XXXX and submitted all the required documents to support the claim. 
Wells Fargo has a complaint number of # XXXX. 
I also filed a complaint with the US Postal Service online for investigation. I was told by XXXX XXXX XXXX XXXX that Wells Fargo Bank had up to 120 days to resolve and refund my {$8500.00}. As of the date of this complaint ( XX/XX/XXXX ) I have only received an automated message that my claim is pending research and there is no timeframe for resolution. I have all the documentation to support my claim and would formally like to file a complaint with your agency to help me resolve this issue. Please let me know if I can provide any further information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2020-10-27
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. (VA)

XXXX XXXX XXXX has reported fraudulent information on my credit report. I have never had any loan, contract or debt obligation to XXXX XXXX XXXX, nor was I given written notification of this fraudulent debt, my right to dispute, and validation of this debt, which I have asked for on two occasions. This is a clear violation of The Fair Debt Collection Practices Act. Despite making this complaint regarding this to XXXX XXXX XXXX, XXXX, Equifax and XXXX, this fraudulent information still remains on my credit report in violation of Fair Credit Reporting Act. This three inaccurate unverified accounts are wreaking havoc on my credit and my ability to obtain credit
Consumer complaint received 2018-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NY)

I went to Wells Fargo Website to open Checking Account and when I finishing completing the application I receive the following message and email Skip to main content Sign Off Customer Service Locations Apply Home Search Thank you for submitting your application, XXXX. 
Print Wells Fargo Everyday Checking Application Reference Number : XXXX Status : After carefully reviewing your request, we have determined that we can not approve your application for this account at this time. We will mail you a letter explaining this decision within approximately 3 business days. 

If you have questions, please call us at XXXX, Mon - Fri : XXXX XXXX XXXX XXXX, Sat Sun : XXXX XXXX XXXX XXXX  Pacific Time. 
Wells Fargo Bank, N.A. Member FDIC. 

About Wells Fargo Careers Sitemap Privacy, Cookies, Security & Legal Online Security Home Ad Choices Report Fraud XXXX - XXXX Wells Fargo. All rights reserved. XXXX ID XXXX When I contact the above number a young man name XXXX Answer indicating that he or his unit can not explain why it was denied that I would have wait for letter in the mail now I have a reference number and they should be able look it up but they can not please investigate this bank and online services and ensure that system is working legally and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulation
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (MD)

I have been trying to correct the problem with Seterus, Inc. for two years. Back in 2015 around XXXX I made a payment and it was places in a suspense account. I contacted Seterus and I was told I needed to make another payment because it was placed as an over payment on the account and not towards my monthly payment. I was not willing to do so because why should I have to make double payment because your system XXXX XXXX my payments online. I have called and had people in the customer service say that they are going to look into this issue and never have. I want my late fees refunded and the amount corrected. I am tired of getting call at the end of every month saying my mortgage is late and in fact it is not!!!!!!!!!!!!!!!!!
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (VA)

I applied for a card through Chase because I am in the process of trying to build my credit and I have banked with them since I was a teen. I received a notification regarding my application dated XX/XX/2020. Indication there is a fraud protection alert on my XXXX  report. It instructed me to contact XXXX  to provide my phone # and then once that is provided to call chase back to let them know. That is when they confirmed I submitted the application and that even tho they had already did a hard inquiry they would be doing one again!?! I said absolutely not. No where on this letter indicated that another report would need to be pulled. It simply stated that once the information was updated with XXXX that they would continue reviewing my application. The initial inquiry already deducted 8 points that I cant afford. Again, because Im bettering my finances and paid off any and all debt and trying to better my credit. The representative and manager did absolutely nothing but say unfortunately there is nothing they can do. This was terrible customer service. I have that alert to protect my credit not XXXX me over even more. I was diligent in responding to them within the 14 days as indicated in the letter and it didnt matter. So now Im stuck with having to go elsewhere at this point costing me an additional inquiry regardless because honestly at that point I felt that if I did allow them to do it again Id probably get declined, be down an additional 8 points and in a worse situation than Im already in.
Consumer complaint received 2018-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

this particular agency is still trying to collect a non verfiied debt against me. on XX/XX/2017 I have paperwork that states the following '' be advised that choice recovery, Inc has requested deletion of the account placed by XXXX XXXX XXXX XXXX acount number blab blab to be removed off your credit report. suddenly in the middle of nowhere the agency has reinstated the debt, which is a violation of itself without my express consent. you have also agreed to removed the information from my credit file the second time back in XXXX which has not happened as of yet. I have you choice recovery still reporting on my credit which is hinding my ability to move forward with my life. I will not give in with this, and will continue to fight this battle.
Consumer complaint received 2018-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IN)

On XX/XX/2018, I deposited {$520.00} in an ATM in XXXX, IL. The machine took the money and displayed on the screen " I'm sorry. Because of technical problems, I can't accept or return cash right now. '' I called the number on the receipt the machine printed and was told I'd have to wait up to 10 business days while the incident was investigated, which is ridiculously longer than the immediate credit that is given on the past numerous occasions when the machines would malfunction.

I call on the 11th business day and am then told that i have to wait 45 days until they figure out what's happening. In the meantime, I suppose checks and automatic deductions to my business account have to bounce, as they refuse to credit the account while they get around to looking into the incident.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MO)

I applied for credit with XXXX. I was told that because I applied for credit with the year that they have to option to denied credit and every company has their own set of rules to deny credit. They denied because of applying for credit, they do not advertise or inform customers of this practice and after youve applied for credit you are denied and suffer harm to credit score.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (MA)

This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
Consumer complaint received 2017-11-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX I called Wells Fargo dealer services to pay my past due amounts to get me caught up to date I had lost XXXX XXXX as I am XXXX and was unable to make my payments due to loss of income they refuse to accept my past due payments by telling me that had I called two days earlier they would not have charged off my account and would have accepted my payment then now that my account is in charge off status they can no longer accept my payments I have called them five times trying to speak to an executive they refused to give me a name or phone number for an executive they refuse to reverse the charge off even though it was only a two day difference and that I did offer to pay all of my past due amount owed They offered a settlement for an amount of {$1700.00} per month for four months but I told them there is no way I can pay that kind of money and I begged them to please lower the amount that will help me with my financial situation and my hardship with my self-employment and loss of income but they refused to help me All I want to do was pay all of my past due payments of three months so I can get back into my monthly payments I can not afford to lose my car it is my life. I have never received anything in writing from this company that this charge off would be happening they have not contacted me at all with a letter either mailed or certified they claim they tried to reach us by telephone but never succeeded theyve never left messages on my telephone id they did call so to me they did not try to contact me to tell Me this would be happening and to offer me to get my payments paid on time before the charge off I dont think its fair that they did not contact me in writing or speak to me by telephone
Consumer complaint received 2018-03-20
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: EQUIFAX, INC. (DC)

I now have over twenty five hard inquiries on my 3 major bureau credit report. I didn't apply for all of these lines of credit. I applied at three car dealerships. Only they have my applications and authorization signatures. I think that when I started applying, some form of identity theft began and others began to apply to. XXXX XXXX informed me that I may have been exposed to two different data breaches. I wrote Equifax, XXXX and XXXX  to get these inquires removed and they are refusing to help. Please assist.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

From XXXX 20+ phone calls made 18+ representatives/supervisors 4 requests to have calls pulled 44 business days, 64 calendar days unresolved Company is claiming that our account was at one point 30-60 days delinquent and has reported this information to the 3 credit bureaus. It was reported on XX/XX/XXXX that the XXXX payment was 30-60 days late. We have had calls pulled and transcripts reviewed documenting that the account was never 30 days delinquent. This information was provided to us in letter form, outlining what occurred on the calls but is still being prefaced with there is no bank error and it is still the account holders error. 

XX/XX/XXXX - Account was opened. 
XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX along with the XXXX payment with a live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through automated system in the amount of {$160.00} XX/XX/XXXX - {$84.00} payment due - payment made on XX/XX/XXXX through automated system with XXXX payment XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through bank website XX/XX/XXXX - received notification that there was a change to our credit scores and found that it was reported our account was XXXX days late. We contacted the customer service department to find out what happened. On this call, the representative acknowledged there was a system error that post dated our XX/XX/XXXX payment to XX/XX/XXXX causing the system to think the account was late. The representative removed the XXXX late fee, submitted a dispute on our behalf to have the credit report error fixed, and assisted us with getting the payment processed that was pending and making the next months payment for XXXX. 

XX/XX/XXXX - it was reported to the credit bureaus that XXXX was XXXX XX/XX/XXXX - we were told that the XXXX payment is what was XXXX days late because there was no payment showing on the XXXX statement. No calls were pulled per request even though the XXXX payment was made on XX/XX/XXXX XX/XX/XXXX - we were told that the XXXX payment was 30+ days late. XXXX payment was made on XX/XX/XXXX On four different occasions, four separate representatives told us different dates that were late. We were told XXXX, XXXX, XXXX, and then XXXX in that order. There are inconsistencies from what they are telling us, what was discussed on the phone calls, and what they reported to the credit reporting agencies. 

Additional documentation attached.
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc. (FL)

Mortgage was paid off on XX/XX/2021 which resulted in an overpayment with an accrued escrow balance. Lender has failed to process refund of overpayment and has refused to advise when the payment will be processed and issued. 

I have attempted to resolve this issue multiple times and concerned they are withholding funds that should be refunded. They have thousands of dollars in funds that were part of escrow and overpayment that they have not released. The communication with them has resulted in no clear answer or expectations.
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

Dear Sir/Mam. 

I have noticed a Fraudulent utility account on two of my credit Burues XXXX  and XXXX. This account is  coming from XXXX XXXX, which later I found out that they sold this Debt to a collection agency called Transworld Systems Inc. I have Filed a police report with local and federal law enforcement, including the FTC. US. District attorney 's office, I also mailed these Police reports over to all three national credit Burues. I recently received a letter in the mail from XXXX that stated even with a police report and my FTC report that I have submitted as Fraudulent activity to them on my report, they stated they will not remove this item even if I have a police report. The company and collection agency are in clear violation of my rights. I also called Transworld Systems Inc. And all they did was over talk me and kept saying " so how would you like to pay this Debt '' the agent did not care if I was calling about a fraud claim and according to the law I have rights regarding disputing fraudulent activity. Unfortunately I was never able to get my concerns heard all they cared about was money that I Do not owe. In this situation I also recorded the phone call and date and time of call with the agent, if later I need it for evidence. 

In closing I have submitted federal FTC Documents to all three bureaus along with a police report, in addition I also had an issue with this copay a while back for the same item I am now redisputing yet again, it was removed from my report from XXXX XXXX after I filed a claim, in fact I do have older credit reports showing that this item has been deleted, then it was sold to Transworld Systems Inc. And it is back on my reports again. So thus time I called the police and filed paper work so I will stop being harassed and having this fraudulent account on my reports. After I reported this item to the credit Burues with police reports, then I immediately received a letter in the mail for payment on the account which is in Dispute, clearly another violation of the law was broken because Disputed accounts can't be asked to be paid while their in Dispute. 

My rights are being violated as a consumer, and I did as I was told to do and that was to file a police report and I also filed an FTC report claiming the fraudulent account. 

In closing I'm reporting both XXXX and Transworld Systems Inc. These companies clearly did not follow the law. Next I'm going to report this to the US attorneys office fraud and protection department.
Consumer complaint received 2021-08-11
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. (CT)

I have repeatedly disputed these negative items on my report they are still appearing with on my report the credit bureaus have failed to give me proper proof of how theses accounts are mines. the information is misleading and false which is a consumer law violation 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section these items have been disputed well over a MONTH AGO WITH NOTICE WITH NO REPLY WITH NO ANSWER
Consumer complaint received 2018-03-21
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: EQUIFAX, INC. (FL)

I have tried to resolve the issue of the payment posting date with XXXX. They were paid prior to the posting date and have documents to show. They reported my payment 30 days late to the credit bureaus. I called numerous times and all they send me is a letter to show the debt is paid in full. They are not helpful what so ever. I still receive call to get people to come purchase cars. I reached out to their social media no resolution. it made my score drop considerably. I wrote a letter to explain how I have made on time payments and to please reconsider and still nothing. I see numerous complaints from the company and this is the very reason why I saved to get a better vehicle and a company that actually will try to listen. I see this is a common practice with them. I tried disputing with the credit bureaus but all they did was update the paid in full date the same as the delinquent date which makes no sense. They just updated comments and didn't bother to further investigate.
Consumer complaint received 2018-03-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (WI)

I have contacted U.S Bank about this multiple times. I currently have an account with U.S Bank that I do not and havent used for close to a year. I had overdraft fees because I accidentally had a department store credit card balance get removed from my account. It oversrafted my account and charged me close to {$100.00} in fees. I deposited {$200.00} cash into the account because I did and do not have time to deal with closing the account. This put my balance around {$40.00}, so I knew I could sit there comfortably until I got around to closing it. I then received another almost {$100.00} in overdraft fees because they cashed a check for {$50.00} from my account that was over 1 year old at the time. They refuse to waive fees, refuse to close my account over the phone since my balance was negative from all of the overdraft fees, and I am worried they have reported it to my credit score. I have worked since I was XXXX to build up an impressive credit score without ever missing one payment. While managing investment property mortgages, multiple cars and credit cards very comfortably. I am extremely fed up with how they handled the situation, especially since l they honored a check from over a year before.
Consumer complaint received 2018-03-21
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: BARCLAYS BANK DELAWARE (NV)

I checked my credit and realized two accounts from Barclays Bank of Delaware are on my credit file. The accounts are as follows : 1. Barclays Bank of Delaware ... account number : XXXX ... balance : {$12000.00} date opened : XX/XX/XXXX ... 2. Barclays Bank of Delaware ... account number : XXXX ... balance : {$11000.00} ... date opened : XX/XX/XXXX. I have disputed these accounts with the company, but they refuse to remove the accounts from my credit files. I want them removed. These accounts are not mine, I have never applied for these cards, I do not want these cards, they are fraud and the company is committing a fraud by not removing them from my credit file. I have attached the police report and copies of my credit files so you can see that they are still on my credit files. Barclays Bank of Delaware please remove the offending accounts from my XXXX XXXX XXXX XXXX   credit files asap.