davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-18
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. (MO)

My identity has been compromised some time ago, and the aftermath had me fighting for my identity back. My first order of business was to dispute unauthorized accounts and inquiries. However, the 3 major credit bureaus response was account ( s ) verified. The accounts in questioning are as following, ( 1 ) XXXX XXXX XXXX XXXX  {$0.00}, ( 2 ) XXXX XXXX XXXX  {$3600.00} ( 3 ) XXXX XXXX  {$830.00} ( 4 ) XXXX XXXX  {$440.00} ( 5 ) XXXX XXXX  {$86.00} In regards to the accounts above and the 3 bureaus, I'm requesting the Method Of Verification used to verify the above accounts. I would like to know what employee spoke to whom, and by what means of communication, phone, text, letter, fax, email, physical documentation, etc. What date, day, and hour. What physical documentation verified these accounts. In accordance with the FCRA laws I'm requesting all the above and if this is not provided to me then I'm requesting for the above accounts to be blocked. As a consumer and a victim I'm within my nature rights.
Consumer complaint received 2021-08-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (OH)

Attenpting to open a savings account with Ally Bank. After having my application accepted, the login setup does not work due to " system '' error. It boggles my mind that an online bank has such issues when traditional brick and mortar banks do just fine
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (SD)

I received a call from XXXX XXXX at XXXX regarding a debt that I supposedly owed from Wells Fargo. She stated that the debt was in XX/XX/XXXX and was the amount of approximately {$790.00}. XXXX XXXX did not state which firm she represented but threatened to send the police after me. Furthermore, I have no recollection of an overdraft debt owed. I have been a customer of Wells Fargo since prior to XX/XX/XXXX with bank accounts that they could have levied should a debt have been owed. I was never notified of said debt, no collection attempts have been made, and there is no proof that I owed the debt. I and my wife attempted to tell XXXX XXXX this and that we were concerned that if there was a true debt that it was not mine as we had never been notified. XXXX XXXX hung up on my wife and ( again ) threatened to send the police after me. I am concerned that if this debt is valid, that Wells Fargo did not follow Fair Debt Collection Practices and furthermore that the threats made by this attorney are harassing and unethical.
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NY)

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

Today I have got a call from Wells Fargo saying my debit card was closed out today because I did many disputes. I can't get a new one until the XXXX of the months, and I can't wait until the XXXX months. I need a new ASP. I have to call back and asked the agents for a replacement, and they ask me for a reference number for a stolen and lost card. Still, I told them I did not know it, and when I called in, the agents asked me for my high-security consumer password. I give it to them, and they told me they couldn't help me if I don't know the reference number. I want a replacement card ASP and have the stolen and lost card reference number removed from my account or tell it to me.
Consumer complaint received 2018-02-02
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: Perfection Collection (IN)

XX/XX/XXXX - First time I used XXXX XXXX, I wanted to check my credit score. Everything on my report looks great but I noticed by credit score was down from a year ago. Which I had no idea how? I have never missed any payment and I'm very financially sound. 

XXXX XXXX stated on my report that a company called XXXX XXXX XXXX had an outstanding balance for {$1000.00}. 

I have never heard of XXXX XXXX XXXX. No one notified me that i had any debt, but they are able to take a hit on my credit score? I  called this company and they stated they bought my debt from a security company called XXXX. We ended our contract with XXXX in XXXX. This one man shop is a total scam. Extremely rude.. How is this legal? 

I have no idea how it is fair or accurate to report this on my account 3 years later with zero notification and zero justification. We still have our letter from XXXX  canceling our account because we moved from that location and were not taking the services with us. We also filed a report on BBB for false practices. 

in XXXX we sent another letter to XXXX of cancelation as the new homeowner received threatening calls. 

This collection agency is based in Utah where XXXX  is based out of. 

There are thousand of bad reviews and false practices on this company. Several states have went into litigation with XXXX. 

I am filling a complaint on XXXX  and XXXX XXXX XXXX.
Consumer complaint received 2018-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION (GA)

In XX/XX/2017 I expressed to BB & t that the account that was closed had a balance of XXXX and that the information was incorrect because i never used the bank account before. I had a representative say that they can waive the fees because it was not that much. I thanked her and almost a year later they are still reporting negatively on my consumer report as abusive behavior on my account.
Consumer complaint received 2020-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

I believe that Wells Fargo has miss used and miss representing my funds and charging for fees that I have not aquiered Im being charged for overdraft fees I did not do they hold money for payment then wait a week later and say I owe them money and fees
Consumer complaint received 2020-06-24
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: WELLS FARGO & COMPANY (FL)

I have contacted Wells Fargo directly and provided them with documentation. I was divorced in XX/XX/XXXX and according to our divorce agreement I was to be removed from all my ex-wife 's liabilities. In XX/XX/XXXX, she was 90 days late on a payment at which time Wells Fargo contacted me. I spoke with them that we were divorced and provided them copies of the court order. I was told that the late payment would be removed from my credit report. My ex-wife paid that past due amount and a few months later paid off the remaining balance and closed the account. When checking my credit report I noticed that the 90-day late balance is still on my credit report. I have filed a dispute through a credit reporting agency and Wells Fargo has said that the information I provided is accurate but they disagree with removing it from my credit. This goes directly against my court order and against what I was told by a representative of Wells Fargo when I contacted them in early XXXX.
Consumer complaint received 2018-02-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage has yet to provide me anything documented by law that states on an all California All Purpose Certificate Of Acknowledgement that some notary as stated by wells fargo home mortgage can sign my name and say on there documented ( IPERSONALLY APPEARED BEFORE THEM ) HOW IS IT WELLS FARGO MORTGAGE CAN SAY OR THE NOTARY SAY I APPEARED BUT ITS NOT MY SIGNATURE ON THE DOCUMENT. 
Wells fargo home mortgage has yet to provide me anything legally by California law that states any one can sign an document that states I personally appeared and what law in the state of California gives wells fargo   the right not to let me see or no why corrections agreement & power of attorney was made with out my consent or knowing. 
All wells fargo keep responding back saying with out any documented proof of the law that states that there notary can sign for me as me and say I appeared. wells fargo home mortgage has yet to address the issue they keep talking or responding back to not the real legal issue.
Consumer complaint received 2020-06-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc. (FL)

I had a mortgage with XXXX XXXX XXXX and the home was short sale in XXXX. XXXX agreed with short sale and now still has a third party Dyck Oneal collecting payments. I had no agreements with Dyck Oneal in regards to mortgage payments. XXXX got paid on the sale and now this third party is still collecting monies from me after all the fraudulent processes, unfair lending practices and unscrupulous transactions that were done by the banking industry before the housing crisis. At this time this balance reported of {$15000.00} needs to be removed from my credit report because I do not owe nor own that mortgage
Consumer complaint received 2020-06-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (FL)

I had a mortgage with Chase Home Mortgage and the home was short sale in 2011. Chase agreed with short sale and now still has a third party XXXX XXXX collecting payments. I had no agreements with XXXX XXXX in regards to mortgage payments. Chase got paid on the sale and now this third party is still collecting monies from me after all the fraudulent processes, unfair lending practices and unscrupulous transactions that were done by the banking industry before the housing crisis. At this time this balance reported of {$15000.00} needs to be removed from my credit report because I do not owe nor own that mortgage
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (MD)

Earlier this week, I received a letter at my apartment in XXXX regarding a " Notice of Assignment to a Collection Agency '' of an amount owed to New Jersey XXXX-XXXX. 

1. I have never received even a first notice of a bill owed so assigning to a collection agency is an exaggeration.

2. The collection agency is collecting for a toll of " {$1.00} '' an amount due of " {$51.00} '', inclusive of a {$50.00} " Admin Fee ''. In addition to the above, they add on an additional " {$4.00} Convenience Fee '' 3. I have in effect left my residence in Florida late XXXX ( 2020 ) in pursuit of an opportunity in the northeast and only moved into a new residence on XX/XX/2020. 
4. All of my mail was forwarded and I've received and paid other bills and tolls as required.
Consumer complaint received 2020-05-08
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. (OH)

I am XXXX XXXX. I know for sure I am being CHEATED out of a decent credit scores due to MASS UNAUTHORIZED Inquiries that have impact my credit scores. These are inquiries made by companies with whom I have NOT applied for a loan or credit. I do not think its fair to ruin my credit score whereas these unauthorized inquiries remain on my credit file for up to 2 years. I need to know to whom do I contact to have mass unauthorized inquiries removed at once. I refused to be a victim of all credit bureaus that powers over their decision to leave these unauthorized inquiries on my credit report when I have for the last 6.5 years has worked my XXXX off trying to maintain decent credit and or credit scores? and allow something to hold me back while trying to purchase a condo. 
I have spoke to a local attorney who has informed me that if I did not go into to these companies and or speak to any of these companies to authorized them to run my credit file then all fraudulent inquiries must be removed from my credit reports at once. 
I mean all credit reports. XXXX, XXXX & equifax asap. I have no ideal how these companies I am posting in this complaint got a hold of my social security number. anyways if its not me then all inquiries must be removed. I have also sent hard copy US mail & email process to United State Attorney General 's office, Congressman XXXX XXXX. This must stop it ruining peoples opportunities to better themselves. How can this happen if you have never been in their face and or phone call and or place of business
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I have called Hyundai numerous times to try to have my lease account closed and updated on my credit report and my husbands credit report. I have also contacted the credit reporting agencies. I traded my XXXX Hyundai XXXX in on XX/XX/XXXX. They sent me my final bill on XX/XX/XXXX I made the final payment in full and they cashed my check on XX/XX/XXXX. I have called Hyundai and my husband has called numerous times and they keep saying they will submit a request for it to be closed and send a paid letter to us as well as update both of our credit reports. Both our reports are not updated and they are reporting zero information at this point. I have been hung up on and my husband has escalated this to a manger XXXX on XX/XX/XXXX he claims this would be corrected. My husband called again today XX/XX/XXXX and spoke to another manager XXXX and she said the account is still open and put another request In and nothing else she can do to help us. I have enclosed a copy of the final bill they sent me and a copy of my checking account where they cashed my check for that amount.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Im trying desperately to fix my credit score. Im a XXXX  veteran trying to finally buy a house of my own. 
When I was XXXX I took out some loans to go to school but made a mess of it. I got into debt, had no job and came from a low income family. 
So, back in 1997, these things were sent to a collection agency and reported on my credit report. 23 years later, they are still being reported. Whatever companies have my debt, they are illegally finding ways to continue to report these things all these years later. 
When I called the credit reporting companies, equifax and XXXX XXXX, the reps merely took the word of the collection agencies, didnt even look into my initial date of delinquency, and told me that the accounts were reported more recently. The reps clearly didnt understand the difference between when the account first opened and when it is reported. I understand that the ONLY thing that matters to credit age is the first delinquency and apparently the companies simply disregard that and are in step with the collectors. 
I am currently disputing these reports but have little faith in the representatives that I spoke to in the phone.
Consumer complaint received 2021-01-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I am having problems with Equifax. When I call, they are super illusive about my information and they keep me on hold for over an hour and when they see that I am patient, they hang up. They refuse to answer questions or update information. I have been hung up on while on hold 4 times in one day, that can't be by accident. My information has been compromised more than three times by Equifax. I am one of the people who was awarded free credit report and score due to the 2017 breach. 

They have messed and compromised my info more than 3 times, letting it be accessed on the dark web and for fraudulant reasons and they won't help what they have caused. I am tired and frustrated with them. 

I can not access my info on any other platform ( XXXX XXXX, XXXX, and XXXX ), aside from theirs and often times I have problem logging in. 

I have an error on my file, a misreporting I have been trying to get removed, which was removed from all other creditor files. 

XXXX XXXXXXXX XXXX. 

I have been asking to verify original debtor or proof that it belongs to me, ehich they can not provide because it does not. 

I simply wanted to get help and get someone from the fraud team to talk about it and dispute it. However, when I finally get someone after holding 30 -45minutes, they put me on hold for transfers and I always get mysteriously hung up on. 

I need help from CFPB to get this matter resolved and get my mishandled information in order with Equifax. Thank you XXXX XXXX XXXX
Consumer complaint received 2019-10-21
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (MD)

I already filed a complaint with FTC and they referred me. I have banked with BB & T for over a year and realize nobody is perfect! I noticed outrageous fees in my account, and contacted my branch in XX/XX/2019. No resolution and no assistance! On XX/XX/2019 opened a new account stating that I wanted fees fixed! Spoke to a representative at bank stated someone would call me back, no response! On XX/XX/19 they initially started transferring from my savings and abruptly stopped reversed all transactions and started charging OUTRAGEOUS FEES ON ANOTHER ACCONT WITH FUNDS IN SAVINGS! Are required to follow and obey LAWS??? ( as all complaints seem to address similar situation, excluding funds available in savings account ) 2 emails sent on XX/XX/19 and a response from same rep as the initial call ( CLEARLY SHOWING SHE WAS ABLE TO ASSIST ) but no sort of resolution. On XX/XX/19 sent very nice email stating I was seeking resolution and forward progression, auto reply of out of office till XX/XX/2019.  Benefit given to BB & T and only received auto reply of out of office till the XXXX. Again assuming the best waited again no response! On XXXX filled complaint with FTC, and they referred me to CFPD. Waited till today XX/XX/19 and no response! Now based on all outstanding facts I AM REQUESTING THE {$5000.00} IN FEES AND {$2500.00} IN HELD FUNDS ( Dollar amount within {$200.00}, not able to provide exacts as they online account I have been disabled in viewing. ) In conclusion they quoted FDIC and was a false quote ( FRAUD ) as to quote one is " verbatim ''. In conclusion my damages are being accessed presently and will be perused! I am now requesting CFPD to assist with the minimum of funds held on undisclosed time frame and have been verified BB & T have received funds, and fees. Damages to seek counsel for. Now over 30 days of cleared funds HELD!
Consumer complaint received 2020-05-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FMS Inc. (TX)

Southern Management Systems contacted my phone from XXXX regarding a debt on XX/XX/2020 at approximately XXXX cst. I had a friend answer as i was busy and see what the call was about, they asked for me and said who they were, when my friend said that he was me the collector failed to verify with a date of birth or ssn, and just began speaking about my debts to my friend. This resulted in my info being shared in a way i am not happy with, anyone who this company calls could say they were me and just get all my info.