davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo closed my personal checking account on XX/XX/22 after opening the account on XX/XX/22. On the day of opening the account, I made a {$3000.00} transfer from a Bank XXXX XXXX personal checking account. It took about a week, but on XX/XX/22 the funds were verified and made available on my Wells Fargo personal checking account. I had made no other deposits or withdrawals since the original transfer. XXXX week later on XX/XX/22, I received a notice that Wells Fargo was closing my personal checking account and that it would be inactive as of XX/XX/22. I did not understand why it was closed, but the email said that the bank reserves the right to close the account and that they would email me a cashiers check upon closure of the account because no withdrawals would be allowed. However, on XX/XX/22 my funds of {$3000.00} were never sent out in a cashiers check but rather deducted from my account with the title Loss Prevention Closing Entry. Questions, Call XXXX. On XX/XX/22 I called this number listed on the withdrawal and had to wait XXXX min to be told that Bank XXXX XXXX would have to claim the money and that they could not disburse it directly to me. This made no sense to me because the transfer was clearly accepted and the funds were now in Wells Fargo possession. Following that phone call I went in person to my local Wells Fargo and met with a Relationship Banker. The banker had to call the same number listed on the withdrawal to understand what was going on with my funds. He was baffled himself that Wells Fargo would close my account when it was clear that my funds were legitimate and being transferred from another personal checking account in my very own name. After being on hold himself for XXXX minutes, this new representative over the line gave a completely different response than the original representative I had contacted. This representative said the money was taken out of my account due to FRAUD were the representatives exact words. The banker was told that there would be a XXXX day investigation and that these funds would possibly be given to the states unclaimed property and I would have to claim it from there. I am under the impression from hearing both representatives contradicting responses that these funds have been CONFISCATED by Wells Fargo and that they will be stealing my hard earned money. MONEY that I need as a college student who works a part time job. Wells Fargo has slandered my name and claimed that I am committing fraud with XXXX proof. It is unbelievable to me that a bank would commit such a blatant crime and withhold MY money from me. The banker I spoke with was furious with the person over the phone, because he himself knew that there was no valid reason to close my account ( which he explicitly said to me ). Wells Fargo now holds my {$3000.00} dollars, and I now have to wait XXXX days to find out that I may possibly never see this money again.
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
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 — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

This is my second issue with this bank, the first one was for fraud that occurred and now I made payment for a loan that I had with them which should have been paid on a monthly payment of {$43.00} but since I had the fraud that occurred in XX/XX/2021 while I was out of the country for two months and I was not able to make payments and not able to use another account to make payment which regions say that I am not able to make an online payment for the loan, I had to go to a local branch, so tell me how am I going to go to a local branch when I am in the XXXX XXXX? 
however, when I got back to the country I contacted the branch manager at the local XXXX office to let her know what happened to me but instead, I was getting the third degree from her like I was at fault and she was being rude and I even sent her an email letting her know that I paid the entire amount of the loan because I just didn't want to deal with this bank anymore. As a professional she didn't even have the decency to email me back WOW, such a professional XXXX XXXX, not to even respond to an email. 
They closed my account and they never refunded the XXXX dollars that I open the loan with, now who's a XXXX  Regions, I have proof and I have attached
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 — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am name is XXXX XXXX XXXX and this this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under XXXX XXXX  days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX  XXXX Balance - Bankruptcy chapter XXXX Reference number : XXXX Amount : -
Consumer complaint received 2022-06-28
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: Onity Group Inc. (NY)

From XX/XX/XXXX to XX/XX/XXXX I was under the Covid 19 forbearance. No negative information was reported during such time. My loan servicer changed from XXXX to PHH within that time. PHH requested I pay the deferred forbearance loan upfront. I informed PHH that I was unable to pay the deferred amount but since my loan was under Covid 19 forbearance Id like proceed with the loan modification. Once again no negative information was reported at such time. In XX/XX/XXXX I was informed to complete paperwork to process the loan modification which required 3 payments of {$2200.00} for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All payments were made and received by XX/XX/XXXX and the loan modification was processed. After the last payment was in XXXX for the month of XXXX, PHH reported my account deliquent to the credit bureaus on XX/XX/XXXX. First payment under the modification is due XX/XX/XXXX. My complaint is that PHH reported my account deliquent which caused my credit score to drop over XXXX points. I've disputed the information with the credit bureau to which they reported only the information has been updated to include the trial payment but all else will remain on my account. Also I do need to report that while making the 3 trial payment PHH also sent me a few letters stating that my account was facing possible forclosure if the forbearance balance was not cleared. I disputed the information with PHH via phone to which countless representatives informed me to ignore the letters as it was standard process. However these letters still were being recieved on my end and I felt in danger of losing my house. I reported PHH to the XXXX XXXX XXXX XXXX services. PHH quickly responded to XXXX in which they expressed mistakes on their part.
Consumer complaint received 2022-02-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-02-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (CO)

A final payment to close my mortgage was made to XXXX  XXXX XXXX ( XXXX ) on XX/XX/XXXX after selling the property. After that date I have kept receiving notices for monthly mortgage payments from BSI Financial Services ( BSI ). 

I received the payoff amount from ( XXXX ) when attempting to pay off the mortgage and was told that amount would be good until XX/XX/XXXX. They then sold the loan to another company, ( BSI ) in the middle of all of this. XXXX sent the payment to BSI. BSI states the payoff department applied the amount to the principal but not toward paying off the loan. This makes no sense because the payment was for the entire outstanding amount of the loan and the bills they are sending are for the standard mortgage payment amount. 

I began calling BSI the second week of XX/XX/XXXX. Every call gets the same response : They will submit a request to the payoff department and call me back but they never do. I have requested a supervisor or manager be involved multiple times as well. They always say one will call me, but they never do. 

I have asked the title company ( XXXX XXXX XXXX ) for assistance in this matter as well. The title company sent a copy of the payoff to XXXX on XX/XX/XXXX after they were told they would honor the payoff once receiving documentation. A copy of this documentation that was sent by the title company is attached. BSI now states they did not receive the documentation from the title company, and still has not returned any calls after promising further investigation.

BSI Financial Service XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX ( Fax )
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (GA)

My wallet was stolen with my ID, ss-card, bank card, cash, and more person information. The wallet was sent back to me from XXXX Florida with only the ID and bank cards. I went to the bank and cancel the cards and got replacement. I started receiving calls about collecting a debt ; I thought it was a scam call so I never took it into consideration that it was real. Then I seen on my credit that another XXXX  XXXX card was open and using my address and information. I contact the Credit bureaus and file a dispute and contact XXXX  XXXX and told them my identity was stolen back in XX/XX/XXXX and that I never open the account and they didnt cancel the account they told me to send them the documents I have when I filed the police report and I sent it and they still havent did anything about it. My credit have been effect bad because of the account they have on my account. I even sent them proof that I was working at the time and that I travel for work and I been working since XX/XX/XXXX to XX/XX/XXXX. Can someone please help immediately because Im trying to start a business and I cant with bad credit.
Consumer complaint received 2022-06-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

NetCredit was NOT licensed to do business in Virginia ( where I reside ) Therefore, in accordance with VA law, my loan agreement with them is void and needs to be removed from my credit report immediately. NetCredit knowing and willingly broke the law and offered a loan with an illegal interest rate. I have sent emails to them, as well as replied to multiple emails from them, explaining that the Commonwealth of Virginia sued them and WON, because they were found guilty of illegal loans and violating the laws here, therefore making my loan null and void.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (SC)

I have a XXXX XXXX XXXX through Comenity Bank and I can not call them, I cant speak with no representatives, I cant make a payment, I cant access my account, I cant do anything and its seem very shady because their system has been down for days! Ive been trying to make a payment since XX/XX/2022 and can not make any sort of payment!
Consumer complaint received 2022-06-28
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 XXXX  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX US DEPT ED XXXX Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX, & Account # XXXX 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
Consumer complaint received 2022-06-28
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. (CA)

XXXX XXXX XXXX IS IN VIOLATION OF ; 15 U.S.C 1681b. ( a ) ( 2 ) 15 U.S.C 1681. ( a ) ( 4 ) specifically in regards to ; -consumer privacy -NO written instructions from consumer to furnish information
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IA)

The comenity website is currently down, every time I tried to log in to submit my payments, its says theres a glitch and could not log me in. This has happened on both of my credit cards from Comenity, my XXXX and XXXX XXXX cards
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IN)

I am having issues with XXXX XXXX XXXX CBNA. This card I am an authorized user. My mother XXXX XXXX is the primary card holder. She added me to this account in XXXX when I was a minor and I didn't consent nor want to be added. The company has refused to remove me. I have filed disputes with XXXX as recently as XX/XX/XXXX and tried to call the company myself and they told me they wouldn't remove me unless the primary cardholder allowed them to. I reached out to my XXXX  and XXXX  mother and tried to get her to remove me and she has refused and ignored my pleads. The account has currently no balance. I have attached the dispute report and text messages I have sent to my mother to remove me.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Hello, all of my money has been being held by Citi bank since XX/XX/2022 and I have not been able to access my own funds. I have both Checking and savings accounts with Citi Bank and am also a Priority client. Citi will provide me no information and are of no help. They have blocked my account and have told me it is in the process of being closed and could take 90 day which is ridiculous as I have no access to any of my money. This seems to have started when my employer direct deposited funds into my bank account as usual.
Consumer complaint received 2022-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP (MI)

on XX/XX/22 I mailed a letter to congress collection for debt validation and they responded by sending me a bill. Nothing else to verify that i owe them this debt to them or anything bearing my signature. I mailed another on XX/XX/22 letting them know that by sending me a bill and nothing else to prove that i owe them for this bill, but they never responded back.
Consumer complaint received 2021-12-10
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: FIRST NATIONAL BANK OF OMAHA (FL)

XXXX is horrible, they sent me a letter saying I had 30 days from the date of letter in late XX/XX/2021 to verify my identity and send notarized copy of my social and ID and paycheck stub to verify my identity. I did so and was speaking with fraud department very unprofessional and uneducated about what they're talking about. Gave me the run around for a whole week. I was speaking to a rep yesterday whom said they would call me back. NEVER got a call back never got email. But today when I called they informed me that they closed my account for unknown reasons ... .This is a BIG WASTE OF TIME and messed up my business and suffered a loss and was in XXXX handling business and wasn't able to conduct business properly this is unacceptable. I just got off the phone with them and the rep lied and said I didn't summit docs I did. 
I responded back in a timely manner and no communication was given or reason of why account has been closed. 

Rep was clueless and didn't allow me to speak to a rep.

Rep also was rude and didn't help me AT ALL I lost money, but most importantly time and was stuck in XXXX thanks to XXXX. 

I sent email to XXXX XXXX XXXX as well still waiting on response.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (NC)

On XX/XX/XXXX, my online account with Current backing, or XXXX  XXXX, was hacked, then the hacker proceeded to transfer my savings to my checking, and then go to a XXXX in XXXX XXXX, FL, I live in North Carolina, and withdraw all of my money. It was 2 different transactions at 2 different XXXX. One was {$510.00}, and the other was XXXX. There was even a transaction for {$770.00} that I was able to cancel as soon as it happened by resetting my pin because I was watching this hacking happen on my account in real time. I contacted Current via their online support chat and immediately disputed the charges. They opened a dispute, then a few days later I get an email that they decided not to refund the funds to my account. I appealed this and immediately received another email that they looked into it again and decided they would refund my funds. Never got them. I followed a police report as well in that city in Florida and I have a copy of it. They got camera footage of someone using the atms to take my money, however could never identify them so no charges against anyone were made. Nonetheless, my money was stolen. Now, just today I reached out to current to find out whats up and they never actually appealed the dispute and they would not without more evidence besides a police report. I dont have more evidence because I dont have receipts because it wasnt me. I police report is plenty evidence.
Consumer complaint received 2022-06-28
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. (MD)

To whom may concern : There has been unauthorized accounts that do not belong to me that's on my credit report. I have tried to dispute it, with the three credit bureaus ( Experian, XXXX XXXX XXXX ) but they refused to remove the items from my credit report. 
The accounts below are not mine : - XXXX XXXX  XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-28
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. (MD)

To whom may concern : There has been unauthorized accounts that do not belong to me that's on my credit report. I have tried to dispute it, with the three credit bureaus ( XXXX, XXXX XXXX Transunion ) but they refused to remove the items from my credit report. 
The accounts below are not mine : - XXXX XXXX  XXXX -XXXX XXXX XXXX -NAVY FEDERAL XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX