davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (OR)

My auto loan account with Wells Fargo was blocked from access due to an " upgrade to their website ''. This update forced me to make a new account with them resulting in late fees being assessed. After re-setting up my account, confirming my mailing address and linking a bank account to be able to process payments I asked for late fees to be removed and asked for a record of my payments which could only be mailed to me. The record was mailed to an incorrect address. The following month ( XX/XX/2022 ) I asked them to change my contact address and they did. Then my bills started coming by mail but to the incorrect address because they had again changed my address to an incorrect one. 

Finally my bank account was un-linked and deleted from the only payment method. this caused a week long certification process to be undertaken to confirm the bank account and I was charged more late fees. They then refused to remove any of these late fees and are charging interest on the late fees as if they are apart of my loan.
Consumer complaint received 2021-11-04
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: Experian Information Solutions Inc. (NY)

XX/XX/2020 To Whom it may concern, I was trying to pay XXXX  XXXX XXXX  with an online check from my XXXX account using my account number and routing number I found on my account page with XXXX in the first week of XX/XX/2020. I entered my XXXX information on my XXXX  XXXX account page to pay the {$30.00} bill That was due on XX/XX/XXXX. As the enclosed letter explains the routing/account numbers from XXXX were only for deposit. Hence XXXX XXXX XXXX  closed my account for this error. Not being able to use the card made me call them to inquire why. They told me my bank kicked it back to them and that I need to pay the minimum of {$30.00} before XX/XX/XXXX. I was informed at that they needed a letter from my bank stating the reason for the online nonpayment within 30 days. I said ok and paid the {$30.00} and then was told my next payment was due XX/XX/XXXX, also got hit with a {$25.00} returned check fee? I got the letter from XXXX and mailed it XXXX to their XXXX XXXX XXXX XXXX XXXX Which I found very strange. Called them at least twice after 10 days and they said it was never received and then emailed me a email address to send it to. I attached the letter from XXXX and sent it to XXXX XXXX XXXX. Meanwhile my account was still closed. Called them before or on XX/XX/XXXX to pay the {$30.00} which I did and was informed that they had neither the USPS letter nor the attachment email I also sent. I was informed that my account was still closed but my next payment was on XX/XX/2020. I was not told they wanted the entire amount paid in full. Called them XX/XX/XXXX to find out what was going on and was informed the account was charged off. I told them I was told my next payment was on XX/XX/XXXX and was then told I was supposed to pay the entire amount on XX/XX/XXXX. So I paid the balance to their internal debt collector? I spoke to many different bank agents over the two or so months and never really talked to anyone in authority. Even the second-tier agents were reading canned messages off the computer screen. Please remove the charge off and negative
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (FL)

Please note that the category selected is the best fit, but is not the actual challenge we have. This is not an application or re financing request. 
My conventional mortgage closed on XX/XX/XXXX with XXXX XXXX XXXX, and was quickly transferred to LoanCare XX/XX/XXXX. 
I am a married Florida full time resident, and both my wife and I reside in the property. 
Only my name is on the title of our marital home. 
We have been seeking to add my wife 's name to the Deed to reflect joint ownership of the property. As they have a financial interest in the property we have been seeking the written permission of the mortgage company to do so. 
My attorney has sent two ( 2 ) letters and our requested written response has never been received. The mortgage company claims not to have gotten the first letter of XX/XX/XXXX. The second letter was sent on XX/XX/XXXX via certified mail and a response was requested within 21 days. 
We have not received any response from Loancare.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed an account that is reporting incorrect information on my transunion credit report. The information is still incorrect. First off my available credit line is not {$600.00} it is {$1000.00}. My second issue is the account is reporting maximum delinquency was 30 days in the year XX/XX/2017. That is also incorrect this account was never paid late. I disputed it with XXXX  credit reporting agency and after they investigated it it shows the account was never paid late and reporting as a positive account. If transunion did a full investigation they would have received the same response from XXXX XXXX XXXX. Yes it shows paid as agreed but the account should be as accounts in good standing. As of right now it is still showing under potentially negative account. Having this incorrect information is affecting my credit score.
Consumer complaint received 2017-01-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (ND)

I reviewed my credit report supplied by XXXX. In the report I noticed incorrect information and attempted to dispute the reporting. An Educational Credit Management Corp. was the reporting agency. I mailed correspondence disputing the debt, however, the mail was returned as not deliverable, unable to forward. I utilized the mailing address provided in the report. This reporting situation is criminal by violating the FCRA and negatively impacts my life. 
I am attaching scanned images of : the credit report and the returned mail. Please investigate and prosecute as required. I have requested XXXX investigate the issue. 
Thank You
Consumer complaint received 2021-11-04
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: EQUIFAX, INC. (NY)

XX/XX/2020 To Whom it may concern, I was trying to pay XXXX  XXXX XXXX  with an online check from my XXXX account using my account number and routing number I found on my account page with XXXX in the first week of XX/XX/2020. I entered my XXXX information on my XXXX  XXXX account page to pay the {$30.00} bill That was due on XX/XX/XXXX. As the enclosed letter explains the routing/account numbers from XXXX were only for deposit. Hence XXXX XXXX XXXX  closed my account for this error. Not being able to use the card made me call them to inquire why. They told me my bank kicked it back to them and that I need to pay the minimum of {$30.00} before XX/XX/XXXX. I was informed at that they needed a letter from my bank stating the reason for the online nonpayment within 30 days. I said ok and paid the {$30.00} and then was told my next payment was due XX/XX/XXXX, also got hit with a {$25.00} returned check fee? I got the letter from XXXX and mailed it USPS to their XXXX XXXX XXXX XXXX XXXX Which I found very strange. Called them at least twice after 10 days and they said it was never received and then emailed me a email address to send it to. I attached the letter from XXXX and sent it to XXXX XXXX XXXX. Meanwhile my account was still closed. Called them before or on XX/XX/XXXX to pay the {$30.00} which I did and was informed that they had neither the USPS letter nor the attachment email I also sent. I was informed that my account was still closed but my next payment was on XX/XX/2020. I was not told they wanted the entire amount paid in full. Called them XX/XX/XXXX to find out what was going on and was informed the account was charged off. I told them I was told my next payment was on XX/XX/XXXX and was then told I was supposed to pay the entire amount on XX/XX/XXXX. So I paid the balance to their internal debt collector? I spoke to many different bank agents over the two or so months and never really talked to anyone in authority. Even the second-tier agents were reading canned messages off the computer screen. Please remove the charge off and negative
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OH)

XX/XX/2020 After giving PNC three months and five opportunities to resolve an authorized debit, I am requesting your help.

At first it appeared that the situation was handled appropriately, my account was temporarily credited, a new debit card issued and transaction dispute initiated.

From that point on I received the same PNC dispute form three times, no response to my letters, with no specific employee or department assigned to handle my issue. I then contacted the merchant myself.

Upon calling the PNC contact number I inquired where to forward information from the merchant stating that they have no record of a transaction from my account and was advised not to, only that they would re-open the transaction dispute and send the same form.

It appears PNC has not used any of their fraud investigation resources  and has no intention of doing so. Attached please find all my previous correspondence. As of today, I still have not received a response to my letters. At this point I wish to recover the {$99.00} fraudulent debit and be done dealing with PNC forever. 

Thank you for your time, ________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I have a paypal account on which I created a paypal fundraiseXXXX to collect donations XXXX XXXX XXXX now all the sudden paypal did block my account. I can not withdraw the donations that has been send to me! Paypal asking me for fullfillment details like shipment for products etc. although they see its clear that all incoming payments are donations sent to my paypal fundraiser I have send this info to them to remind them that all are donations on the paypal fundraiser now I get this crazy message on which I can not even sent a reply. 

Dear XXXX XXXX, Thank you for your cooperation in completing the review of your account. 



We're still unable to complete the review process of your account at this time. Please help us finish this process by completing the following steps : To help resolve the limitation on your PayPal account, we've sent an email to your buyer to confirm if they received the related item or service. 



Transaction XXXX XXXX XXXX XXXX XXXX If you've shipped the item, please contact your buyer promptly and ask them to respond to our email, so that we can confirm if the above transaction is completed. 



After you've completed the above steps, please contact us by clicking 'Contact Us ' at the bottom of any PayPal page. 



Please help us by completing the required steps within 10 days from the date you receive this email. If we receive no response within 10 days, you will need to contact us by phone or email so that we can manually update your case status. 



After you complete these steps, we will review your information and contact you about the status of your PayPal account within 2 business days. We may ask you to provide further information if necessary. 



Thank you for your co-operation and support. Please let us know if you need further assistance. You may contact Customer Service by clicking 'Contact Us ' at the bottom of the PayPal website. 



Sincerely, PayPal Please do not reply to this email. This mailbox is not monitored and you will not receive a response. 


__________ PAYPAL IS A COMPLETE SCAM THEY JUST FREEZE MY MONEY AND I CAN NOT EVEN COMMUNICATE WITH THEM TO GET IT RELEASED. DOCUMENTATION SEND TO THEM IS NOT BEING VIEWED AT ALL! THEY JUST FOOL PEOPLE AROUND IN ORDER NOT TO PAYOUT FUNDS THEY ARE HOLDING
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Bank , National Association garnishment company trust account without reason or cause. The bank never provided the nature and cause for the transaction despite several calls and letters. The bank was informed of this mistake 2 days after the garnishment. The trust account banking information was shared with a third party despite not having the authority, a power of attorney over the account, custodianship was removed, and the trust was never a party to any kind of litigation. The bank also violated the Electronic Funds Transfer Act and closed the account without cause causing financial harm, stress, and hardship to me and my family. 

To settle the matter, Wells Fargo Bank , National Association was sent a registered security on commercial paper to satisfy any alleged debt to the indenture trustee. Wells Fargo, has violated the Federal Reserve Act section 16 and therefore per section 29 compensation must be given for the listed violations, return of all securities, and re-establish the trust bank account with good standing. I revoke XXXX XXXX XXXX all years and all periods of power of attorney.
Consumer complaint received 2021-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2020 To Whom it may concern, I was trying to pay XXXX  XXXX XXXX  with an online check from my XXXX account using my account number and routing number I found on my account page with XXXX in the first week of XX/XX/2020. I entered my XXXX information on my XXXX  XXXX account page to pay the {$30.00} bill That was due on XX/XX/XXXX. As the enclosed letter explains the routing/account numbers from XXXX were only for deposit. Hence XXXX XXXX XXXX  closed my account for this error. Not being able to use the card made me call them to inquire why. They told me my bank kicked it back to them and that I need to pay the minimum of {$30.00} before XX/XX/XXXX. I was informed at that they needed a letter from my bank stating the reason for the online nonpayment within 30 days. I said ok and paid the {$30.00} and then was told my next payment was due XX/XX/XXXX, also got hit with a {$25.00} returned check fee? I got the letter from XXXX and mailed it USPS to their XXXX XXXX XXXX XXXX XXXX Which I found very strange. Called them at least twice after 10 days and they said it was never received and then emailed me a email address to send it to. I attached the letter from XXXX and sent it to XXXX XXXX XXXX. Meanwhile my account was still closed. Called them before or on XX/XX/XXXX to pay the {$30.00} which I did and was informed that they had neither the USPS letter nor the attachment email I also sent. I was informed that my account was still closed but my next payment was on XX/XX/2020. I was not told they wanted the entire amount paid in full. Called them XX/XX/XXXX to find out what was going on and was informed the account was charged off. I told them I was told my next payment was on XX/XX/XXXX and was then told I was supposed to pay the entire amount on XX/XX/XXXX. So I paid the balance to their internal debt collector? I spoke to many different bank agents over the two or so months and never really talked to anyone in authority. Even the second-tier agents were reading canned messages off the computer screen. Please remove the charge off and negative
Consumer complaint received 2021-11-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Mr. Cooper has bought my mortgage loan as of XX/XX/2021. I have a closing date of XX/XX/2021 for the property I have the mortgage with. As of XX/XX/2021, I and my real estate lawyer have called both the original loan at XXXX XXXX XXXX and Mr. Cooper, and both banks are unable to provide me with a payoff letter.
Consumer complaint received 2021-11-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Hi sir, I have sent multiple letters and i am just baffled at this point that YOU cfpb do not do anything even though i have proof that the negative items on my credit report are incorrect and violated the law. I feel like there has been an unauthorized used of my credit report. I attached all the letters i have sent and never received an answer.
Consumer complaint received 2021-02-10
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. (HI)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I was traveling overseas in XXXX at the beginning of XXXX. I went to purchase a table at a nightclub called XXXX and was shown and agreed on a table for XXXX . I provided my credit card. When my time of the reservation came ( XXXX ) I went to the front desk to meet the host and was told that because I was only 1 person they did not want to give me the space that was originally agreed because they had other larger groups that needed the space. They told me I would be sitting in the bank corner of the club. I told them the new location was not acceptable to me, and if they didn't want to sit me where we agreed, to give me my card back and I would go buy a table at a different club. They said that they already had my card and I did not have a choice, that I was going to pay them either way. When I said I did not want that table and would not sign the receipt, I was surrounded by at least 5 bouncers, and was told that it would not end well for me if I did not sign the receipt. Since I was forced to sign, I signed the receipt as " FRAUD '' as I knew I would be calling the credit card company right after. I NEVER drank one sip of the alcohol, or sat at the table for 1 second. I called Chase right as I left the club to let them know what happened, and was told I had to wait 3 business days to file the dispute, which I did on XX/XX/XXXX. This was a classic bait and switch by the merchant, was 100 % fraud, and people need to be warned that Chase does not honor their fraud protection promise and everyone should look to get a card from a different issuer, like XXXX XXXX XXXX. Especially if you spend a lot of money. Other Banks will stand behind their guarantees for good customers.