davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (MA)

My XXXX Visa was transferred to Comenity from XXXX  XXXX XXXX. I've written to Comenity many times about the various problems, over the last few months, and they never fix anything. 
Now, the problems are getting worse. They have not credited me the rewards I'm due, upward of {$100.00}. When I asked them to fix it, they acknowledged the problem, but didn't fix it. In the process, they deleted my rewards which had already been credited in the past!
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (AZ)

I was the subject of accounts being opened fraudulently in my name. One savings and one checking account were opened on XX/XX/2020 at Wells Fargo Online. I am writing to complain because Wells did not require proper identification, no picture ID was required and Wells did not verify the information with me. Instead I received a letter stating congratulations on opening your new accounts. They did cancel the accounts after I called and complained. However these accounts should not have been opened without proper ID. Wells was derelict in this regard.
Consumer complaint received 2021-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi XXXX  has a 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 XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  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 XXXX  i spoke to a representative agent name 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 XXXX remove the accounts and its been XXXX 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 10 times. XXXX  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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX reported to credit bureaus without my consent. I gave consent to XXXXXXXX XXXX but nowhere on the contract does it states that they permission to rep ort to anyone. It clearly states on the document that XXXXXXXX XXXX provided that XXXXXXXX XXXX has permission.
Consumer complaint received 2022-07-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I entered my account and there was a transfer from XXXX for the amount of XXXX XXXX dollars of which I did not authorize and the bank never sent me the confirmation to do it and when I realized it had been made 3 days ago to a person named XXXX XXXX XXXX {$2000.00} XXXX referen number : XXXX
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

This issue has to do with XXXX XXXX XXXX DBA Shellpoint Mortgage.

Issue : My father passed away and I am the executor of his estate. Shellpoint has refused multiple attempts to send a check to the estate which is due to it to the amount of {$2800.00}. We have requested that the check be made to the estate with me as the executor and they have never complied.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX Bank reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2020-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Utah System of Higher Education (NY)

On XX/XX/2020, UHEAA that administers my student loan sent me an email telling me that my state-New York was declared a disaster region and that I qualify for loan forbearance without interest accruing during the forbearance period. I accepted the loan forbearance program which was to end in XXXX. 
On XX/XX/XXXX, UHEAA sent me another mail reminding me that the forbearance period is coming to an end in XXXX. 
I logged into my account to see when in XXXX I would start making payment. On my account, I noticed it has an outstanding interest of {$110.00} for the period of the forbearance. The forbearance was a federal initiative to help loan holders during the disaster period. 
1. The are contravening the federal guidelines on this program. 
2. I was told by a member of their staff that interest on my loan would not accrue. 
I want relief based on the above summary. 
Thanks
Consumer complaint received 2022-09-16
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. (PA)

I opened a XXXX XXXX account though XXXX XXXX XXXX  on XX/XX/XXXX. I was making payments on time but then fell behind. I received a letter in the mail in XX/XX/XXXX saying they were offering me a settlement offer for {$1600.00}. I called around XX/XX/XXXX to agree to the offer. I gave them the payment information and they processed the payment. The payment came out of my bank account on XX/XX/XXXX. I received a confirmation number and was told my account would be closed and that it would show up on my credit report as paid in full by less than full amount. 

A few weeks after I paid the settlement amount, I received a bill in the mail saying I owed a monthly payment of over {$400.00}. So on XX/XX/XXXX, I called the XXXX XXXX card, spoke to a man named XXXX and asked why I was still receiving payment notification letters after I already settled the account. I was told that it would take about 21 days to close the account and disregard any future emails or bills and I'll receive a letter in 21 days. 

I kept receiving bills and email notifications and noticed that on my credit report it was showing delinquent and affecting my score. 

On XX/XX/XXXX, I called the XXXX XXXX card again this time being more stern in my approach telling them that the account was settled and that it was suppose to be closed 21 days after XX/XX/XXXX and I'm still getting bills. The man named XXXX transferred me to an Account manager named XXXX, who apologized for everything and said she would send an email stating the account is closed and has been settled and would take care of the credit reporting issue too. She mentioned she would call me back in 1-2 days to let me know the status of everything. 

My problem with this whole situation is that it don't seem there's communication being relayed and that my credit has been taking a good hit. 

If there's anything you could do, that would be awesome! 

Thanks, XXXX XXXX
Consumer complaint received 2022-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

I transferred money from my savings account to purchase an XXXX on XXXX XXXX useing XXXX and it turned out to be a scam. I lost {$180.00}, no recourse to recover my loss.
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NJ)

I banked with Wells Fargo in 2019. I was notified by the Pennsylvania Department Of Transportation that a check for vehicle registration was fraudulent sent to them in my name. I purchased a vehicle from XXXX   XXXX  in XX/XX/2019. I provided XXXX XXXX with a deposit of {$5000.00} for the vehicle which the salesman XXXX explained to me covered the vehicle registration. XXXX XXXX asked me for my banking info on a piece of paper that verifies your information. I never at any time gave XXXX XXXX consent to add my checking and routing number to a cashiers check to submit to the State of Pennsylvania. The fraudulent check then bounced because I gave XXXX XXXX all my funds for a deposit. Now the State of Pennsylvania is stating I owe them over {$1000.00} or my license and vehicle registration will be suspended. This was done fraudulently without my knowledge and or consent. I was advised to take this issue up with Wells Fargo. I tried to do so via their customer service line to no avail.
Consumer complaint received 2020-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (PA)

Coinbase claims to have a Send feature which allows consumers to send crypto funds as one would normally expect to another wallet, our own or someone else 's as a means of making payments. That button is missing from the Dashboard where they claim it should be. 

Coinbase support is not reachable by phone and worse attempting to navigate their phone tree ( or " tree '' there's one option - reporting an account breach ) - causes Coinbase to lock your account and keep your funds. I currently have {$1600.00} worth of crypto, {$1300.00} of which is XXXX, that they are not allowing me to send. 

Email support is worse than useless, they cut & paste claims that the button is there & I should refresh the browser. I have tried multiple browsers on XXXX & XXXX ; no such button exists. Coinbase is forcing consumers to sell assets through them with their fees in any hope of withdrawing funds. This has to be illegal, they are withholding an advertised send feature & gaming everything else to hold funds.
Consumer complaint received 2022-07-17
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: General Motors Financial Company, Inc. (CA)

The following inquiries were made around the same time last year when I was XXXX  that I do not recognize nor did I authorize ; XXXX XXXX  XX/XX/2021, GMfinancial XX/XX/2021, XXXX XX/XX/2021
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CA)

The week of XX/XX/XXXX Right when the Covid-19 Pandemic hit I was told by American Express my existing remaining available credit which was around {$8000.00} was being reduced to XXXX unless I paid {$3500.00} in 3 weeks. 

Now I have been with American Express for over 3 years, Ive never had a late payment, over the limit, or anything that would negatively effect by standing with American Express. In the middle of a world-wide crisis they abandon me when I needed them the most.
Consumer complaint received 2020-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB (FL)

I used to have a roommate, an old lady, she didn't have a personal phone or email so she decided to open an account with this lender using my email, phone number and address ( she was a roommate ). The lady passed away last year and this creditor keeps trying to collect from me. I already requested multiple times to remove my information from this lady 's account and they refuse, they say I am liable for her bills. I am not a family member, have no contact with her family members and this creditor keeps sending me emails harassing and trying to collect from me. Is there anything that can be done to stop? They have been sarcastic, ignoring my requests, it's a very creepy situation.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2020-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc on all above accounts
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

My daughter went through a break up with her boyfriend and moved in with us. She also brought our XXXX year old granddaughter. This increased our expenses and we fell behind on our mortgage payments. Then the COVID hit and I lost my retail job at XXXX and my husband 's side work was cut off. The decrease in income made our efforts to get a loan modification difficult because we no longer had the income to pay even a modified payment so we asked for the forbearance under the CARES act. We were denied and told to apply for a modification. Without our incomes we only receive social security income and we can not afford to pay a mortgage payment. Due to COVID our daughter is also not working and school has been cancelled for our granddaughter. We are supporting two additional people and have a had a decrease in income. We are asking for a forbearance as to not be served foreclosure until we can get back to work.
Consumer complaint received 2020-05-14
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. (CA)

I recently pulled my credit to try to qualify for a mortgage and I noticed there was an account that does not pertain to me. The account is from XXXX XXXX and it was opened in 2014 with an address that does not belong to me. I did not open this account and I am not responsible for it in any way. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services, or any other benefit. I never made any payment towards this account. I don't know who is responsible for this account but I have already filed a police report. I have filed this report to the best of my knowledge.
Consumer complaint received 2022-07-17
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. (GA)

I disputed the collection account from XXXX XXXX XXXX but on XX/XX/2022 the agency replied account verified without removing the account. Base on literature I read this account should not be reporting on my credit file because it creates, ( 1 ) an adverse situation regarding my credit profile and to me trying to obtain new credit, ( 2 ) credit bureaus are not to put anything on your credit report without written instruction, and ( 4 ) collection accounts are not to be put on credit reports, therefore they are violating my right to privacy under pursuant to the Fair Credit Reporting Act 15 U.S.C. 1681 Section 602 ( A ), 15 U.S.C. 1681 604 ( 2 ),! 5 U.S.C. 1681c ( a ) ( 4 ).
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

Beginning in mid XX/XX/XXXX I attempted to contact Rushmore Loan Management Services several times about extending the XX/XX/XXXX option I have on my mortgage. My original mortgage & note from XXXX XXXX XXXX was acquired and the servicing rights went to Rushmore. I have the option to extend that XX/XX/XXXX another 5 years at current rates. 

During XXXX I called Rushmore seven times and no one understood the option I have. Four of my calls were transferred to either their Loss Mitigation team and all of the calls were " dropped '' before anyone picked up. All in I spent well over five hours on calls or on hold with no service being executed. 

During XXXX I made several more attempts. On most of these calls I was unable to speak to anyone that any idea of how to help. On three of the XXXX calls I asked and even demanded at times that I be allowed to speak to a supervisor or someone at the SVP level. On two of the calls I was told by the " off shore '' employees that they had no access to supervisor or upper level management personnel names and if they did they were not permitted to give that information out. 

The later part of XXXX I spoke to an employee who promised me they would pass my information to the department that handled modification extensions and that I would hear back within 72 hours. Nothing!!. No call, no email etc. 

On XX/XX/XXXX I received an Early Notice of Loan Maturity / Early Notice of Balloon Payment Due 180 day letter as required by regulation. The letter instructs to call the Home Retention Department at XXXX for possible option if one can not pay the balloon when due ( XX/XX/XXXX ). I called the number and was told Rushmore does not have a Home Retention Department. I was transferred and again the call was dropped after being on hold for a long time. 
I called back on XX/XX/XXXX and reached XXXX, employee # XXXX. I fully explained for the 15th time why I was calling and what was needed. XXXX promised she would deliver my information to another department and that I would hear back within 72 hours. The 72 hours was up at XXXX EST on XX/XX/XXXX. Again, I have heard nothing. 
At this time I am asking that Rushmore reduce my mortgage obligation to zero within the next 10 business days and send me confirmation that I owe nothing. They have caused undue anguish and severely impacted my ability to conduct proper financial planning.

Additionally, during one of the first calls in XXXX Rushmore referred me to XXXX XXXX to refinance. I thought Id take a look at that option too given the current market yields. XXXX XXXX  personnel never followed up either after the first email I received from them.
Consumer complaint received 2023-03-03
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. (TX)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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