davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX I purchased an electric double oven ( Model no # XXXX Serial no # XXXX ) with 1 year warranty with 2 years free interest promotion from Home depot .

The oven was not function as described ( only the top oven was working with error message in the led screen code XXXX. 
We called Home depot and the manufacturer to fix the issue but they failed to do so 5 times. ( XXXX no # XXXX ) The manufacturer issued a credit to home depot for the faulty unit on XX/XX/XXXX to Home depot and the instruct me to discard the unit and I do not have to return. ( Email attached ) After the two years ended last month I found interest charged to my credit for the amount of {$2600.00} as interest for the principle of {$3900.00} for the unit.

I called home depot and filed a dispute but they denied my right to dispute stating that is old matter.

Please help me to get my right to resolve this matter
Consumer complaint received 2022-04-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

To Whom it may concern : I have tried to explained for over 15 years to Navient about both of these loans and XXXX XXXX for over 25 years ago before they sold it to Navient -Dispute. My loan was done by fraud by the college. I graduated in the fall of XXXX and walk in XXXX took no classes and was on a full ride XXXX XXXX. This has been over 36 years ago and I will be XXXX XXXX XXXX in XXXX. I live in Texas and should have been apart of the Navient lawsuit for them telling me they will investigate and never did, but push me to do a forbearance plan every other year while they investigate. My son student parent loan for XXXX XXXX was in dispute he only went to school 2 months and was kicked out. But the school requested money for a full year. I spoke with a employee of the business office when XXXX went thru that bad flood and she said the records was all over the place and the some of the funds went back to the federal government. She did help me understand that he & I was overcharged. Also I didn't receive any info about about him being kicked out of school? I have requested 100 times from Navient the original loan papers -nothing. Also we filed Bankruptcy back in XXXX and Navient was in included but drop off. They are still charging me interest and collections letters .The U.S. Department of Education announced another extension of the pause on student loan repayment, interest and collections, through XXXX XXXX, XXXX. Your Loans Loan Type Due Date Amount Status Auto Pay Show more information XXXX Parent PLUS Loan FFELP Payment Due Current Due XX/XX/XXXX {$130.00} Unpaid Fees {$22.00} AlertPAST DUE XX/XX/XXXX {$510.00} Show more information XXXX Consolidation FFELP Payment Due Current Due XX/XX/XXXX {$370.00} Unpaid Fees {$65.00} AlertPAST DUE XX/XX/XXXX {$1400.00} Original Principal {$20000.00} but loan per them /Unpaid Principal Total Amount to be Repaid {$110000.00} {$52000.00} Unpaid Interest {$1700.00} Unpaid Late Fee {$65.00} Current Balance {$53000.00} Original Principal {$12000.00} Student XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} Unpaid Principal {$17000.00} Unpaid Interest {$600.00} Unpaid Late Fee {$22.00} Current Balance {$18000.00}
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, Wells Fargo closed the trust of XXXX XXXX XXXX XXXX checking account erroneously without taking into account of the efforts that the trustee XXXX XXXX has and had been making in order to comply with the request by Wells Fargo to change the address on file with the bank to a physical address. The XXXX, XXXX XXXX made numerous attempts to correct the address on file with the organization, which included changing the address on the online account and by phone calling into Wells Fargo, where he was promised that the account would not be closed. 
The attempt to change the accounts address via internet was the first attempt to correct the situation, which occurred on XX/XX/XXXX. After that point, the trust continued to receive letters from Wells Fargo stating that the address continued needing to be updated. The XXXX In mid to late XXXX, XXXX XXXX then proceeded to contact Wells Fargo Orally to obtain some assistance to correct this matter. During this conversation, he was reassured by the bank representative that everything was in order and the account would not be closed. 
Wells Fargo proceeded to close the account. We have yet to receive any recognition from Wells Fargo addressing the efforts of the trustee and why it was not taken into account by Wells Fargo before closing the account. Wells Fargo is more than responsible for the closure of this account and the loss of any monies involved.
Consumer complaint received 2023-07-01
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. (MI)

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



Account name : XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV INC. (CA)

I had an account with Money Network based out of XXXX Georgia. I requested a new debit card sent to me. It took over three weeks to arrive, and when I called to activate it on XX/XX/XXXX, I was told by customer service that the account had been closed because of " suspicious activity '' and that a check had been sent to my mailing address on XX/XX/XXXX, the day *before* I called. The check did not arrive within 10 days, and so I called back on XX/XX/XXXX, and was told that it takes 10-14 " business days. '' That's not how the mail works. If the check was mailed on the XXXX, it's now in the postal system. I waited until XX/XX/XXXX, as XX/XX/XXXX was the 14th business day and XX/XX/XXXX was a Saturday, a mail delivery day. No check. I called the morning of XX/XX/XXXX and was *now* told that the check wasn't even requested until the XXXX, so I was lied to about the date the check went out. I then escalated the call two steps to whoever the supervisor 's supervisor was. That woman now told me that the 14th business day isn't until Wednesday the XXXX of XXXX. That is 23 days after the check was supposedly ordered, and 16 business days later. So I was lied to again. 

Timeline of events : XX/XX/XXXX : told account was closed, check had been mailed the day before on the XXXX. Was given no evidence the check had actually been mailed. 

XX/XX/XXXX : told check would take 10-14 business days to arrive. 

XX/XX/XXXX : told check would arrive by Monday. Check did not arrive. 

XX/XX/XXXX : Told check was not requested until the XXXX ( I never requested anything other than a new Debit Card ) and not sent until the XXXX. XXXX then told me that they can not authorize an electronic payment to me because my account had been " compromised '' and that I must wait for the check to arrive. Now told that the 14th business day is the XXXX of XXXX, which is not 14 business days after the XXXX, when they claim the account was closed. 

I have been either lied to over and over, or been the victim of negligence. 

The Money Network claims to be operating out of : XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2022-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

NEW EVIDENCE 1 ) WELLS FARGO CONTINUES TO STATE FALSE NARRATIVE PHONE RECORDS SHOW THAT MANY CALLS TO PERSONNEL FROM A XXXX IN TEXAS TO XXXX IN XXXX HAS ALWAYS BEEN RETURNED BUT XXXX PASS IT ON TO MESSAGING XXXX HAS NEVER RETURNED CALLS 2 ) CALLS TO NAME & NUMBERS OF INDIVIDUAL ANSWERING CAN NOT CONFIRM THAT THEY ARE WITH WELLS FARGO- LIKE SCAMMERS THEY ATTEMPT TO GET INFORMATION THAT IF THEY WERE WELLS FARGO THEY WOULD HAVE 3 ) CLAIMS OF INCREASING MONTHLY MORTGAGE DUE TO INCREASE IN ESCROW BECAUSE OF INCREASE TO VALUE OF HOME, COST OF INSURANCE AND TAXES HAS BEEN CONFIRMED WAS FALSE IN MONITORED RETURN CALL ON THURSDAY WHERE PERSON LEAVING MESSAGE INDICATES THAT THEY ARE AN ATTORNEY BUT THEY DO NOT LEAVE A NAME 4 ) IN # 3 THEY WERE INFORMED THAT PROPERTY IS BEING SOLD TO RELIEF OWNER OF ALL OF THE FALSE NARRATIVE & i EXCESSIVE CHARGES THAT XXXX XXXX OF SOUTHERN NEVADA XXXX XXXX A LAWYER " XXXX XXXX ) STATED THAT WELLS FARGO HAS A HUGE REPUTATION FOR ABUSES IDENTIFIED IN # 3 THEN LITIGATION WIL START FOR REDRESS & REPARATIONS LOST BECAUSE THE HOME WILL HAVE GO SELL FOR NEARLY NOTHING BECAUSE OF REPORTED STRUCTURAL DAMAGE THAT XXXX XXXX DID NOT DISCLOSE DURING THE SALE NOR TO THE TRANSFER TO WELLS FARGO. 
THERE ARE EXTENSIVE LAWSD THAT REQUIRE A SELLER- " XXXX XXXX  '' TO DISCLOSE CONDITIONS THAT " XXXX FAILED TO REPORT. 
& NOW WELLS FARGO HAS FAILED TO LITIGATE A CLAIM FOR DAMAGES AS THE PROPERTY CAN NOT BE BILLED FOR WELLS FARGO FALSE NARRATIVE FIGURES OF PROPERTY VALUE WHEN IN EXCESS THE PROPERTY WILL HAVE TO SELL FOR A " VAST LOSS OF VALUE '' 5 ) WELLS FARGO INSIST ON TAXES INCREASES EVERY 6 MONTHS IN THERE REPLY TO FORMER COMPLAINTS WHEN THE COUNTY HAS CONFIRMED THAT IT ONLY RELEASES TAXABLE INCOME EVERY YEAR- THUS WELLS FARGO FIGURES ARE PERJURY! 

6 ) & AGAIN XXXX  IS CLAIMING INCREASE IN ESCROW DUE TO INCREASE IN INSURANCE THAT IS BEING BILLED BOTH BY AXXXX XXXX XXXX THRU THE MONTHLY HOA DUES FOR THE STRUCTURE AS WELL AS THE INSURANCE WELLS FARGO IS CLAIMING FOR THE SAME STRUCTURE THAT CAN NOT SELL @ " ANY MARKET VALUE DUE TO THE DAMAGE TO THE STRUCTURE. 

WELLS FARGO MUST PROVIDE A SUBSTNATIAL REFUND TO CLAIMS OF ESCROW INSURANCE FOR INSURANCE THAT IS BEING DOUBLE BILLED TO THE PROPERTY OWNER. THE INSURANCE CLAIMED BY WELLS FARGO MUST BE REFUNDED -AS WELL AS XXXX XXXX DATING BACK TO XX/XX/2018 WHEN THE SALE -VOID OF DISCLOSURE WAS CLEAR TO CLOSE!
Consumer complaint received 2022-03-12
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. (GA)

XXXX XXXX XXXX XXXX has placed a collection account on my credit report via Equifax in XXXX of XXXX 
Upon learning about this collection account via XXXX XXXX ( based on alerts I subscribe to ) I contacted XXXX XXXX XXXX XXXX to request validation of the alleged debt, which does not belong to me. I also disputed this company 's collection account with Equifax on XX/XX/2022 ( Equifax confirmation # XXXX and on XX/XX/2022, Equifax responded to say " this account has been verified and will remain on my credit report. '' I provided a copy of a recent Identity Theft police report filed by me, as there were multiple accounts listed on all three credit bureaus which did not belong to me. 
I have mailed to XXXX XXXX XXXX XXXX a written request for the validation of this alleged debt the company is saying belongs to me. I have been unsuccessful receiving a response. I mailed the request on XX/XX/2022. To date, no response has been received from XXXX XXXX XXXX XXXX to validate the debt. Additionally, I never, ever received an notice of this debt from XXXX XXXX XXXX XXXX prior to the company submitting the alleged collection to my credit report.
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (NM)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NC)

Complaint Description : I am not able to successfully contact anyone from this company. I have been trying for more than half a year to have an item removed. I've been attempting to fix my credit in hopes of becoming a homeowner. I've sent a series of letters to this company as well as disputed my credit issues online. It's probably been over the past 6 months since I've been disputing items. I have no issues with any of the other credit bureaus. Equifax is the ONLY one that I have a hard time with. I have this item from XXXX XXXX XXXX, {$4000.00} that I am trying to remove. By law, Equifax is supposed to delete items if a consumer has not heard from them for 30-60 days. I KNOW it's been over 60 days. I've called them on NUMEROUS occasions with yesterday XX/XX/20 being the most recent. I sat on hold for like an hour until I had to eventually hang up. I've submitted about 3 letters and I've disputed these items online. It has been over 60 days since I've disputed this particular item. Each time I send a letter, a confirmation is sent online, but when I view my dashboard on their page, it doesn't indicate what's been disputed. I can't see a thing. The last letter I mailed was on the first of XXXX, but keep in mind, I still sent letters to them prior to that letter with no response after at least 60 days, so I just keep sending them in hopes of find relief until someone encouraged me to file a complaint with XXXX. This morning I mysteriously received a message from them via email that my dispute has been completed. Well, guess what? The website is down due to maintenance and I can't see a thing. What is with this company? How are they still in business?
Consumer complaint received 2024-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

Please refer my previous CFPB complaint # XXXX filed on XXXX XX/XX/2024. Went to branch on XXXX XX/XX/2024. Got my phone # enrolled for XXXX. Did one XXXX outgoing money transfer in the branch-worked fine. 

Later after few hours at home. XXXX outgoing transfer from the computer were not working with the same error message. Tried wells fargo app-they worked. But after XXXX such transfers even app stopped working. 

with a very weird message '' for your protection we are unable to send this XXXX  payment '' Such an unreliable bank.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (IL)

Synchrony Bank did not even reach out to me or offer me help with my payment after running behind this month, before they threw a 30 day late onto my credit reports on XX/XX/2021 which dropped my credit score XXXX pts and it was already low at XXXX not because I do not pay well, had excellent pay history but because of my student loan debt! I had a perfect pay history and work for the State of IL IDES!!! I want them to help me and remove that 30 day late!! I am a twice widowed mother doing all on my own and need some help!!!! I not only paid the past due amount but this months full payment as well on XX/XX/2021 which is when I got paid and the soonest I could yet they still turned around and ruined my credit score and I have two cards with them and always pay on time!!!! 

We have processed your request to schedule a payment for your SYNCHRONY XXXX  account. If you did not make this request, please contact Customer Service immediately. 

You can confirm cancelled, scheduled or received payments by clicking here. 


Sincerely, Synchrony Bank Customer Service Completed Transactions Filter Activity Since XXXX XXXX Statement Sort by : XX/XX/XXXX PAYMENT - THANK YOU $ XXXX SYNCHRONY XXXX 30 DAYS LATE Credit Cards {$1900.00} Status Date Reported XX/XX/2021 Payment Status 30 Days Late Amount Past Due {$150.00} Account Details Account Type Charge account Responsibility Individual Age Of Account 0 Years, 7 Months Credit Limit {$2000.00} Credit Used 98 % Available Credit {$45.00} Highest Balance {$2100.00} Payment Details Amount Past Due {$150.00} Date of Last Payment XXXX XXXX XXXX Monthly Payment {$100.00} Payment Frequency Not Reported On Time Payments 100 % Worst Pay Status Current Lender Info C/o XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Payment History 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX her doing all on my own and need some help!!!!
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is 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 Equifax 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 accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$1300.00}
Consumer complaint received 2021-09-11
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. XXXX. XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on my credit report displays addresses that I have never resided in. What's fraudulently listed is the following ; XXXX XXXX XXXX, XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX, NY,XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX and there's a duplicate with the same alleged owed amount of {$42.00}. This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you