davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

I filed a claim with Wells Fargo regarding a XXXX order that was never delivered my order total was XXXX I contacted XXXX and was informed from XXXX I would be refunded within XXXX business days after the XXXX business days I did not receive the credit from XXXX I XXXX Wells Fargo XXXX have them step in to get my money back from XXXX Wells Fargo XXXX XXXX claim I get provisional credit from Wells Fargo bank XXXX XXXX in I receive a letter from a Wells Fargo XXXX XXXX they need more information to get my money back from XXXX I XXXX them the screenshot of the conversation I had with XXXX confirming XXXX money would be returned I emailed this Wells Fargo XXXX department I have not herd anything back from Wells Fargo after XXXX I am told it was take time for Wells Fargo to review and make a decision however this morning I wake up XX/XX/2023 and I see Wells Fargo deducted XXXX from account I am confused on why when i never filed a claim for XXXX I call Wells Fargo XXXX XXXX out whats going on first things first Wells Fargo XXXX XXXX know whats going on I sat on hold after I explained myself to a Wells Fargo claims XXXX he puts me on hold for XXXX minutes doesnt even check in with me or nothing and tells me oh sorry it was a big misunderstanding but we are going to refund you back XXXX within XXXX business days so Im confused because i was calling about XXXX being pulled from my account I asked whats going on with my claim he said the claim is being closed the bank is going to take a loss and write it off and the claim will be closed in my favor within XXXX days they have to update there records etc etc telling me stuff I dont care I am beyond irritated and frustrated I want my money back that was taken out of my account I dont even understand how this happens I would of expected Wells Fargo to pull XXXX if my claim was denied XXXX XXXX did not receive any letters informing me of a denied claim and I dont know why XXXX was taken when the claim amount was XXXX this is Wells Fargo just taking money from its clients once again expecting not to get caught
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (HI)

I received the attached letter from Chase that says " to protect against potential fraud, we restricted your account and XXXX close it soon. '' I don't understand why Chase can not verify that I am me, and why their staff either don't follow SOPs, their SOPs are flawed, and/or both. 

Spoke with XXXX, a customer service agent, on XX/XX/2023. 

XXXX was nonresponsive when I asked what date the account was closed. 


She said the account was closed. 

XXXX put me on with XXXX, an Account Supervisor, who could also not help me.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

I first reached out to TD Bank through the CFPB on XX/XX/XXXX. At that time there were issues preventing me from accessing my accounts. Those issues were resolved. I was granted additional time by your Promotions Department to meet the requirements for the promotions that you are running on your Checking and Savings accounts. I was granted additional time to have funds transferred into my Savings account - XXXX. 

I have met all of the requirements of the Savings account promotion. All qualifications were met by me on XX/XX/XXXX as that is 120 days that I had kept {$20000.00} or more in my account. I am due a {$200.00} bonus in my Savings account for meeting these requirements. The {$200.00} did not post to my account as expected. 

On XX/XX/XXXX I reached out to TD Bank 's customer service through secure message on their web site to inform them that I have not yet received the {$200.00} bonus. I received a response with the following : " Thank you for contacting us about the promotion. 

This account has been added to our expectations list already. It will be paid during our next fulfillment cycle, within the next 3-4 weeks. 

We sincerely apologize for any inconvenience. '' I had wanted to downgrade my accounts to a lower-tier, as with the pandemic and health concerns right now and other challenges, I would like to withdraw my funds from the account without it affecting the promotion and without being charged monthly fees. I wish to downgrade the accounts to the lower tiers. However, I have patiently been waiting for the guaranteed {$200.00} bonus to post to my Savings account. 

I have waited the " 3 - 4 '' weeks as promised. Yet the {$200.00} bonus has still not yet been credited to my Savings account. I feel like I'm being strung along as I wait longer and longer past the date where the {$200.00} was supposed to be credited to my Savings account. I have reached out multiple times to TD Bank to ask when it will be credited. I was informed multiple times that my account is on their exemption list to receive the bonus. So I patiently waited the full " 4 weeks. '' Four full weeks from XX/XX/XXXX should XXXX XX/XX/XXXX. However, the missing {$200.00} Savings account bonus has still not been received. I have been patiently messaging with customer service, but still have not received the bonus. After waiting an additional two weeks ( 6 weeks past the date it was expected to receive the bonus ), I now feel I have to follow-up through the CFPB.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After Reviewing my Credit Reports, I noticed that there is a Public Record Bankruptcy on my Credit Report. XXXX and Trans-union have not verified Accuracy of Bankruptcy on my credit report. I disputed these item on my report with XXXX and Trans-union but they have not remove public record Bankruptcy. Im not able to get approved for any new line of credit because of this. XXXX  stated they verified bankruptcy with XXXX XXXX but my XXXX XXXX file has an security freeze which prohibit anyone from viewing my report. XXXX  and Trans Union are violating Fair Credit reporting act. The Bankruptcy reporting on my credit report has an address where I do not live. I disputed these items multiple times but they have not removed item. I contacted the Federal US BankRuptcy  courts which they advised that they do not report to the credit bureaus. They do not disclose anyone Social Security or Date of Birth to credit bureaus. Also Address with Bankruptcy court is not my current address. this is unverifiable. The Credit bureaus are in complete violation of Fair Credit Reporting Act. 
Im Attaching copy of XXXX XXXX statement below.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

We've been eligible to remove PMI on our mortgage since XXXX or XX/XX/XXXX. We made an original request to Specialized Loan Servicing LLC in XXXX and was told we would receive the required paperwork in the mail and the request would take XXXX weeks to process when returned. We never received the paperwork so we followed up on XX/XX/XXXX and was told that we can deliver signed documents over e-mail to proceed with the request. After doing so, there was no confirmation of receipt -- just radio silence. 

Upon finding PMI charges with our mortgage payment in XX/XX/XXXX, we followed up via e-mail and received no response. We then attempted calling customer service on XX/XX/XXXX who could not forward us to the appropriate department due to a 'system error ' but gave us a direct number and instructions to reach a live agent : ( XXXX ) XXXX. That number does not provide a ring tone ( only white noise ) so we were unable to get in contact with anybody at Specialized Loan Servicing who can help. At this point, we are out of communication options and are continuing to pay PMI despite multiple requests for cancellation.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

I send a personal verification letter with I.D, SSN and Bill Statement they didnt update my personal info i still see the addresses and names plus they add my employer to file. 

I send a ID theft report letter and ( 605b ) with a FTC report switch just updated my report and see its still addresses, one account that didnt get remove i called CRA 's and they said that the account was verified dont know how if it was identity theft.
Consumer complaint received 2022-07-20
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. (FL)

I ordered a copy of my report in XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the following accounts because believe they were reporting in error. 

XXXX XXXX XXXX XXXXXXXX Balance : {$15.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$660.00}
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2020-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

In approximately XXXX I allowed an acquaintance to cash their check through my bank account. I found out during my Wells Fargo Mortgage reinfi in XX/XX/XXXX that they added her to my account.. On XX/XX/XXXX she wrote a letter stating it was never her account, she never used it and had no access and to delete her name from my bank account.. This document was made part of my refinance documents. Wells Fargo promised in XX/XX/XXXX to remove her from my account but failed to do so. The bank allowed them to withdraw from bank account {$500.00} on XX/XX/XXXX & {$300.00} on XX/XX/XXXX. I found out yesterday XX/XX/XXXX and closed the account and opened a new account without this person name. Only to find out later that evening that they put her name on the new account. She put bank {$700.00} last night because I told her I was going to have her arrested. Then I found out that she did all this over the phone. Plus Wells Fargo told her exactly how much was in my separate savings account, which isn't linked. I am concerned that my money is not safe in this bank.
Consumer complaint received 2020-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (NY)

I got a collection from debt recovery solutions. I have asked that they provide proof that I owe the debt over 30 days ago and was told I was going to get it. Never got proof for the XXXX dollar debt. They have not taken it off my credit report either. It needs to come off my credit report.
Consumer complaint received 2020-12-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NC)

CCS also known as Credit Collection Services is attempting to collection an alleged debt in the amount of : {$1600.00} for their client named : XXXX. 

I have no knowledge as to what this account is about. It is not mine. In addition to that I never received and written notice to include a Notice Of Right To Dispute. 

CCS has place a collection account on my reports and damaged my credit, and I was never allowed to request validation or dispute this alleged debt prior to CCS placing this derogatory remark on my credit report as if it is valid, when in fact it is not. 

Pursuant to the FCRA, FDCPA and the Fair Credit Billing Act I was denied my rights as a consumer and this collection agency is in violation of the Federal Law. 

In addition ... ..the State of North Carolina courts requires reasonable investigation into the facts. CCS should no this. Which is why I also question whether they are permitted to collect in my State
Consumer complaint received 2022-06-15
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-12-05
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. (GA)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT FILE AND HAS AFFECTED ME OF ACQUIRING NEW CREDIT. THESE DEROGATORIES ARE REPORTING INACCURATELY AND I HAD NO KNOWLEDGE THAT THEY HAVE BEEN REPORTING WITHOUT AUTHORIZATION. I AM DISTRESSED THAT THOSE COMPANIES HAVE HAD ACCESS TO MY PERSONAL INFORMATION AND MY SOCIAL SECURITY, IT IS ILLEGAL TO REPORT NEGATIVE ACCOUNTS ON ONES CREDIT AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS OFF MY CREDIT FILE.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing because I do not recognize certain items on my credit report. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.
Consumer complaint received 2020-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Earlier this year, Capital One and their lawyers XXXX, XXXX, XXXX  XXXX, XXXX filed a suit against a person at my address with the same name as me. 

I called them and we collectively concluded that the social security number and date of birth did not match. They said they would remove the case. 

This week, I received a subpoena stating that I had to pick a payment plan or I would be impressioned.
Consumer complaint received 2020-12-05
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$7600.00}, {$16000.00}, {$12000.00}, {$0.00}, {$42000.00}, {$13000.00}, {$7200.00}, {$0.00}, {$12000.00}, {$2300.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

7. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 


-- AUTO ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.
Consumer complaint received 2020-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Consistent and ongoing problems with making monthly payments. My account number is frequently responded to as " invalid '' along with my phone number, both of which have remained unchanged during the nine years I've had my loan with this company. My attempts to resolve such issues require massive amounts of time that I can not spare on the telephone and are always temporary, as it is a recurring problem. Their files are slow to update payment information that I've made which has already been confirmed by my personal bank. The only payment option that doesn't add a $ XXXX/month 'fee ' is their AutoDraft option, which would require me to give them access to my bank account which I'm entirely uncomfortable doing, given their nine years of apathy, lack of customer service and administrative incompetence. They shouldn't be able to force me to add a {$10.00} fee to every payment. These same issues have to be resolved almost monthly with hours spent on the phone to get results. I've tried to communicate the problems to their customer service representatives, but with no resolution and they refuse to allow me to speak a supervisor or anyone else in a position of authority.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

In an ongoing matter previously brought to CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to receive negotiable instruments and refuses to process them. The previous case has been closed by CFPB and sent to another agency but this matter specifically involves EXPERIAN a credit reporting agency. I have provided proof that XXXX has received a negotiable instrument with XXXX XXXX as the drawee and they are reporting to EXPERIAN that they have not received anything. If they are refusing to acknowledge that they have received this last negotiable instrument under duress and/or coercion which the USPS shows is received on XX/XX/2020 it stands to reason that they have done this same act previously as I have called to the attention of CFPB. XXXX has not stated under full commercial liability that they have NOT RECEIVED the negotiable instruments but only that the account is delinquent. By law they must process the negotiable instruments and if there is a reason for them to be rejected they MUST send a notice of dishonor to either the drawer that is the author of this writing or the drawee that is XXXX XXXX XXXX, NA in this instance. XXXX 's behavior is now affecting other banks like XXXX XXXX XXXX, XXXX. and they must be stopped. The accompanying evidence is provided for your inspection. I demand that EXPERIAN remove the recently listed adjustment on the XXXX account on the debtor 's credit file as this is erroneous and/or false.