davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
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. (NY)

As of XX/XX/XXXX XXXX XXXX I have noticed fraudulent account ACCOUNT NAME XXXX XXXX XXXX XXXX - XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Status Charge-off Status updated XX/XX/XXXX Past due amount {$6400.00} Highest balance - Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX Phone number XXXX XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion is not following the FCRA guidelines concerning consumer accounts. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting agencies. I am concern as this has made a tremendous NEGATIVE impact on my credit reports. After disputing with XXXX XXXX, XXXX via phone, the representative stated they were a third-party company that has no documentation with my signature to provide proof to " any '' customer. They didn't remove the account. I had reached out to TransUnion XX/XX/2020, and XX/XX/2020, informing that I have no account with XXXX  XXXX, XXXX requesting them to remove the account. TransUnion " CLOSED '' the account but didn't remove the account. Not only " closing account '' is detrimental to any accounts of a consumer, but it gives lenders to think an individual can not pay their bills. TransUnion didn't delete an inaccurate and unverifiable account and couldn't provide proof to me in reference to these two accounts from XXXX XXXX, XXXX belongs to me.
Consumer complaint received 2021-09-27
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/2019 XXXXDate of inquiry XX/XX/2019
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (KY)

I have a mortgage on my home through Huntington bank located in XXXX, Ohio. My home is in Kentucky. 

The whole time I have had a mortgage with them they have collected money for insurance payments on my property and added it to the escrow account. This is a requirement of Huntington bank. I have long questioned the fact that any interest accrued by these monies have not been disclosed, added to the total in escrow account, or refunded to me. 

It seems that these monies should be included into the escrow account instead of the bank keeping it for themselves.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received a statement/bill from Capital One Master Card for a {$16.00} Fast Card Fee. I have not used this card in approximately 10 years and I thought the account was closed. I called Capital One and tried to discuss the XXXX charge as well as closing this account. They would not talk to me about the XXXX charge except that I needed to pay it. I did get them to closed the account, I think. Although they did not give may any name or code or receipt for my records to confirm the closing of the account. 

When I asked again about the {$16.00} charge they then told me they could not discuss my account as it was restricted since I requested it to be closed. 

I have not charged anything on this account. I have not received or activated the alleged card they are charging me {$16.00} for and they will not discuss the matter with me either other than to tell me to pay the fee. 

I do not feel they should be able to charge me for something I did not request not did I ever agree to.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX XXXX XXXX, XXXX refuses to remove a paid debt that was paid thru a Federal Bankruptcy Judge 's Order. I have notified them 3 times over the last year but they refuse to follow a judge 's order. A Civil Complaint by XXXX XXXX XXXX, XXXX was dropped in the state I live in after I sent them a copy of the judge 's order but they still refuse to take it off my credit report over a year later. XXXX XXXX XXXX, XXXX is putting intentional harm against me via reporting the Collections on my Credit Report. XXXX XXXX XXXX, XXXX does not care about my rights and they should be reprimanded via their License! 

The Attorney Firm XXXX XXXX XXXX based out of XXXX Texas is also responsible for the harmful act of negligence. They have been contacted many times but refuse to follow a Federal Court Judge 's Order. They should be reprimanded by the Texas Bar Association and have a complaint notated on the Law License. They are trying to get paid twice for the same account which is illegal.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (GA)

In approximately 2014, Wells Fargo appears to have fraudulently and criminally opened 5 accounts in my name. I filed a complaint regarding these accounts with Wells Fargo and also CFPB when the Agency was first established. 

I spent an enormous amount of time attempting to fix Wells Fargo mistake and stop the identity theft and protect my Family. 

I am now spending even more time on this issue and it appears Wells Fargo is attempting to force me into Mediation. WF refuses to link my actual address to my complaint. They continue to use an address where I have NEVER lived! I have called numerous times and have written to them to fix these additional Wells Fargo 's mistakes. They refuse. 

At one point they said I accepted Mediation. I have not accepted Mediation and asked them to send me a copy of the acceptance form, which they refuse to do. Depending on the Wells Fargo 's Financial recompense offer to me, I may accept. However I am getting fatigued with them hassling me and it is affecting my health. 

I have many recordings from the conversations above. I am shocked at Wells Fargo 's incompetence when dealing with my Case Number XXXX. 

Thank you CFPB for helping all the folks deal with these banks, etc. 

V/R, XXXX XXXX
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WASHINGTON FEDERAL BANK (NM)

On XX/XX/2022 my father passed away. My father has an account with XXXX bank where he is the owner and his mother is listed on his account as representative payee for his social security payments. Days after my fathers death the bank allowed family members occumpanied by my dads mother to go in and withdraw {$26000.00} from his account that was not associated with any social security payments, the leftover ssi payments had already been withdrawn by social security. I made contact with the manager XXXX, I brought in the paperwork to prove that I was indeed the representative of his estate and she continued to withhold information about the transactions with me until I let her know that the money my dad had deposited came from a loan I was a co-signer on and I asked to speak to someone above her to find out where our money went. Finally she said they allowed family members to clean out my dads account because my grandmother was present and she was representative payee on the account. I had her confirm that rep payee was for ssi and confirm that ssi was already withdrawn, she agreed. I told her representative payee is only associated with ssi and it expires upon death and the account should have been frozen and left untouched until the Respresentative of the estate came forward to distribute the assets. XXXX feels as though she made the right decision to allow transactions on a deceased persons account and refuses to allow me to dispute or receive provisional credits while this situation is looked into. She also froze the account now that its at a XXXX balance & it has a legal representative to handle it. How ironic. My fathers house is at risk of foreclosure because XXXX bank allowed our money to be taken from the account in a way that breaches their policy. our money was illegally taken and XXXX bank should be held accountable.
Consumer complaint received 2020-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/2020, I purchased merchandise at a XXXX XXXX XXXX in XXXX, Oregon. At checkout, I was solicited by the cashier to apply for a XXXX XXXX XXXX Mastercard and if approved, would receive a discount on my purchase. She repeatedly, at least 3-4 times assured me that this was not going to result in a credit inquiry, and was simply a " soft pull '' with no credit bureau reporting. I told her this was critical as I was about to refinance my home and did not want to negatively impact my FICO score. She said she was 100 % certain that no credit reporting would be done. With that I agreed. The following day, I received notification from Transunion, XXXX and XXXX that XXXX XXXX had pulled my report and my FICO has dropped 100 points as a result. Incensed, I contacted XXXX XXXX to report what had occurred, immediately cancelled the account, and demanded that they contact the 3 bureaus to rescind the inquiry. They agreed to do so but said it would take weeks for the agencies to reverse the inquiry. I followed up 3 more times in the next few says and agents I spoke to reaffirmed that this had been done. I also contacted the agencies and sent letters confirming my discussions with XXXX. Additionally, I contacted the Manager of the XXXX XXXX and he apologized, acknowledging that the lady misinformed me and he would take proper action. He even reversed the charge and sent a small gift card to evidence his apology. I just received letters from XXXX and Transunion this week informing me that the inquiry is valid and will stand, contrary to what was mentioned during my multiple phone conversations with both. Meanwhile, with a lower FICO score, i am unable to complete my refinance, as the higher rate will raise my monthly payment on a 30 year mortgage by {$200.00} a month. Would greatly appreciate your help and support to mandate the lender to remove this inquiry.
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Hello Digit, LLC (IL)

Hello, I am writing to you on this occasion because since XX/XX/XXXX I have not been able to dispose of my funds that are in the Hello Digit inc. digital wallet. 
Namely, I forgot the password to my Digit profile, so I contacted the Help at Digit administrators to help me access my account. They asked me for documents such as bank statements, deposit slips, blank checks, and personal documents issued by the state, all of which I did and submitted to them in emails in accordance with their instructions. However, since my problem was not solved, I contacted them again. They only referred me to other officials or computer-generated bots, who asked me for the same documents again and again and did not offer any solutions. Since I didn't get feedback from Digit about the status of my problem for almost a month, I tried to contact them in several ways, including through customer service, emails, and even through social networks, but I didn't get any response. I would also like to mention that the funds I have in their account are necessary for my everyday life, such as for reasons of health care among others. 
I am writing to you on this occasion because, as much as I appreciate their policy of privacy and protection of personal data, in this particular case it was carried out to the detriment of communication and customer services, and I do not receive any feedback on the status of my profile and I do not have access to the funds that I need and In this way, material damage is done to us, but also lost profit. 
I hope that through you I will be able to exercise my rights and that I will be given access to the account, and I am open to any kind of compromise and cooperation and I can provide any proof that is needed. 
Best regards, XXXX XXXX
Consumer complaint received 2020-09-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TX)

SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX TX XXXX received Multiple Debt Validation letters. No response from the parties notice of default sent out Tender of payment sent out with 72 hours to respond no response sent out 10 day reminder send out 20 and 30 day notice of default and abandonment of vessel with foreclosure documents signed by state agent with invoice and fee schedule vessel donated to a trust and was stolen XX/XX/2020 at XXXX XXXX. Vessel taken by XXXX XXXX with XXXX XXXX XXXX XXXX Tx XXXX XXXX ) XXXX ( XXXX ) XXXX Vessel Belongs to XXXX XXXX XXXX XXXX and is filled and lien on XXXX Agreement with Secretary of State of Texas XXXX Secretary filing # XXXX the vessel is in the security agreement
Consumer complaint received 2020-09-21
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (VA)

1 account with Nelnet ( account for {$8500.00} ) is reporting a late payment in XX/XX/XXXX on my XXXX report, which is not possible because the account was paid in full BEFORE that in XX/XX/XXXX. The late payment reported has the wrong year ( should be XXXX ). This is harming my credit because it appears I was late a whole year more recent than I was. I have disputed multiple times and Nelnet keeps certifying to XXXX it is correct but it is not and it is IMPOSSIBLE if  you use logic to review the dates of the account. It is not possible to be late in XXXX if the account was paid off and closed in XXXX - that makes no sense at all. My credit report needs to be updated to a late payment in XX/XX/XXXX instead of XX/XX/XXXX. All of the other Nelnet accounts are reporting this way except 1 ( assuming it is a typo but it is causing me a lot of problems ). I need this fixed.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (TX)

I followed an online promotion from Truist for a {$400.00} bonus for opening a personal checking account. I completed this online and then set up online access. Their system submitted trial deposits to my current bank, which we submitted successfully. 

One day later, I attempted to verify the trial deposit amounts and was told my account was blocked for fraud. There are zero transactions, not even an opening deposit on this account. I was on the phone several times speaking to overseas reps who continued to say either the account was blocked or closed, but I never got a consistent answer. 

The six phone transfers were always to the wrong department ; at one point, I was sent to the XXXX XXXX XXXX. ( Please see recordings attached ) Accordingly to other individual comments/reviews online, Truist is doing this to combat paying the {$400.00} account opening bonus.
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JAN (LendUSA) Holdings, Inc. (CA)

We applied for a Mortgage Loan with LendUS starting XX/XX/2020 and we gave them everything they asked for and now it's time for our XXXX payment and they told us that we have to wait 15 days to sign loan documents which will make us have a late payment on our current mortgage. We asked why does it take 15 days when everything is complete. They told us Purchases take priority over refinance loans. That seems like discrimination to me. Whether purchasing or refinancing we both are customers so why are we treated differently. I just don't think it's right. Please advise.
Consumer complaint received 2022-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (IL)

Upon checking my credit report there is a new account from OAC. I requested Debt Validation and i received a generated statement made by the company that isnt proper validation. I also requested my info and signature be provided from services received on stated date. this debt isnt mine and im not legally obligated to pay it.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Spoke to Capital one on XX/XX/2021 and again on XXXX regarding Covid Hardship due to loss of income. My account was put on a financial assistance program which would defer my payments for 6 months. While i was on this program my understanding was that no late payments would be reported to any of the CB. I have pulled my credit report and they have indeed reported late pays for each month i have been on the program. I have asked for these to be removed however i have had still no response from the creditor or any of the cb.
Consumer complaint received 2020-09-04
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: Experian Information Solutions Inc. (OH)

I've put in a dispute concerning my family members adding me as an authorize users on to account 's on my credit report and it not reflecting in my credit report. I was told to call the company and they will fix it when they update but was told they sent the complete file to the bureau. I'm requesting that the credit bureau update my credit file to reflect the payment HISTORY OF THE CARD IMMEDITAILEY. Ive also complained about my credit file not updating correctly and I've been told to contact the special handling department but its not a number to contact but an internal number to it has to be transfered but no one never picks up. I'm requesting to remove all blocks and alerts from my credit report immediately so my credit report can updated correctly.
Consumer complaint received 2021-11-29
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. (MI)

I see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I have tried to dispute the illegal charge of {$74.00} charged to my credit card issued by Citibank ( last four digits of the card number is XXXX ). 
The charge is by XXXX XXXX on XX/XX/2019. 
I have tried to dispute this charge many times over the phone with Citibank, but I was told over the phone by customer service of Citibank that they would not accept my dispute. I asked for the Citibank representatives ' names and got only one of them to provide her name. She said her name is XXXX and she was in XXXX. 
This is a discrimination against me as a person of XXXX. 

I demand that Citibank return {$74.00} to me and I demand that the Federal government fine and sanction Citibank for XXXX discrimination.