davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

In their reply to my CFPB complaint no. XXXX, Wells Fargo has made no effort to stop their discrimination against me and indicated that they will continue their discrimination against me and others who do not wear face masks. As it is now common knowledge that a virus is a protein fragment that is never alive ( and can not replicate or reproduce and is not contagious ) that your own body creates to clean toxins out of cells in your body, and that you can not catch a virus from the air or by touching anything ( including XXXX ), and that the only way you can get a virus created by another body is to have injected into your bloodstream. The Covid-19 has U.S. patent no. XXXX applied for in XXXX by XXXX XXXX, who after receiving the patent, then sold the patent to the pharmaceutical company XXXX. The vaccine for Covid-19 is XXXX Patent no. XXXX dated XXXX XXXX ( well before any reports of Covid-19 ). President Trump 's legal council XXXX XXXX found that the CDC 's XXXX XXXX XXXX in XXXX granted {$3.00} XXXX to the XXXX XXXX XXXX XXXX in XXXX. Also, it has now been shown that wearing a face mask reduces the percent of oxygen in the air being breathed in to far below the OSHA acceptable minimum of 19.5 %. Using OSHA approved ( calibrated ) Air Quality Monitors shows that wearing a face mask reduces the percent of oxygen in the air being breathed in to 17.4 percent or less resulting in physical health problems.
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I am making additional principle payments to my mortgage company Mr. Cooper in order to pay it off early. On several occasions they have reversed the additional principle payment and have applied it to regular payment. My pay history on their website shows the initial principle payment that I made then their reversal. I have had to call them many times to get them to correct these reversals. They tell me that it is their computer system making the changes. They also reversed an additional escrow payment. The result of the changes they make are that my account is paid ahead, but is incurring more finance charge which benefits their company not me. I had the same problem when I was paying extra on my second mortgage through their company. I had to repeatedly call to have my additional payments corrected after a reversal. That account is now paid. I have my regular monthly payments scheduled through them on autopay, so it is not as if they don't know that my regular payment is processing. The dates of the payments that were reversed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested that they stop reversing my payments multiple times. I have also requested that the sell my account to another lender. They are not my original lender. They refused and said I would have to refinance if I want a new lender. I believe their program is designed to reverse additional principle payments in order to charge their customers additional finance charges.
Consumer complaint received 2020-07-02
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. (PA)

After reviewing my credit I realized that there are accounts still on my report that do not belong to me. They were opened by someone and maintained by someone other than me without my permission. 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$890.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4300.00} XXXX XXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-01
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. (FL)

The following collection is reporting erroneously on my credit report. This is the 3rd attempt to resolve this issue. XXXX XXXX XXXX {$340.00} Open balance. This is also reporting erroneously on a different credit bureau as the debt being owed to XXXX XXXX XXXX. ( Proof of mail delivery as attached. )
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: GREAT WESTERN BANCORP, INC. ()

I contacted Great Western Bank and they did nothing, so I have filed a complaint with the local police department in Arizona. 

I am providing a large file, which includes documentation and a small document showing my email to XXXX XXXX, the main scammer. 

Please review the documentation and note that there is a similar complaint involving XXXX   XXXX XXXX, but the complaint involving Great Western Bank is for the {$5300.00} and involves money mule XXXX XXXX XXXX XXXX. All this money was wired to the collection of scammers who pretend to be XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I need my credit file to be updated with the correct information I had some issues with incorrect items on my file. My current and on address is XXXX XXXX XXXX , XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX please delete any other variation of my name. My DOB is XXXX. My SS is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX I have cellphone numbers that do not belong to me on my credit please delete at once : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2020-07-02
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. (PA)

After reviewing my credit I realized that there are accounts still on my report that do not belong to me. They were opened by someone and maintained by someone other than me without my permission. 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$890.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4300.00} XXXX  XXXX XXXX  Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I went to HSBC and because Im glad she judged me and refused to give me my funds.Im XXXX XXXX. Basically I go to HSBC Monday the XX/XX/XXXX About XXXX XXXX. I fill out my direct deposit slip to make a withdrawal for XXXX dollars. The teller looked at me and asked. Do you have a atm card. I politely told her. I lost my ATM card and the new hasnt arrived yet. She replied so you dont have a ATM card. Which I just told her no. So she told me to let her get the manager. The assistant Manager looked at me looked at my account and questioned me about the funds in my account. I applied for a business loan from sba due to the Covid.She basically said sorry I cant let you withdraw any funds I need more documentation? So I emailed them my documents on from SBA and the still want give me my funds.I called several of times and they still havent released my funds that are available to me.
Consumer complaint received 2023-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

After being on the federal payment pause, my loans were switched to MOHELA. When I got my first bill in XX/XX/2023, my payments were more than double my previous payments before the pause. I do not know why my payments had such a huge increase. I called MOHELA and was on hold for a long time. Eventually I spoke to a nice lady who looked at my account and said she did not know why my payments had increased. She put me on hold again and said she would try to resubmit my information to get my payments back to what they should be. I am still waiting to see what the results are but I am getting worried because it's almost XXXX and it still shows that I will owe the higher amount.
Consumer complaint received 2022-07-21
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-04
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. (KS)

I have opened my Experian credit boost account and see that I have a past due credit card bill to XXXX XXXX XXXX for an account that was opened on XX/XX/XXXX in my name. I have contacted XXXX XXXX XXXX and told them this is a fraudulent account on multiple instances but it is still showing up on my credit report on Experian, XXXX, and XXXX. The information displayed on the overdue " closed account '' is as follows : Account name XXXX XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Past due 120 days Status updated XX/XX/XXXX Balance {$6300.00} Balance updated XX/XX/XXXX Credit limit {$7000.00} Monthly payment {$170.00} Past due amount {$690.00} Highest balance {$7200.00} Terms Revolving Responsibility Individual I have disputed the claim through the crediting bureaus but XXXXXXXX XXXX XXXX  refuses to take it off of my credit report even though I have spoken to them on the phone multiple times to tell them this account was opened negligently in my name. Their contact information is : Address XXXX XXXX XXXXXXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2020-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (SC)

Upon reviewing my Credit Report, I've seen an inaccurate record from Calvary Portfolio Services. On XX/XX/XXXX I've sent them a letter, requesting validation of this debt and ask to stop all collection activities, until such dept is properly validated ( as XXXX XXXX, plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX ). 

Instead of sending me requested documents, Calvary Portfolio Services replied with just an " account is accurate '' letter ( see file attached ).
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CO)

On XX/XX/XXXX, I visited the WayFair website for the first time and saw an offer for their store card which offered a {$40.00} promotional credit for a purchase of {$250.00} or more. I went to make the purchase and the system would not let me use the promotional credit. I placed another order for {$250.00} or more and the {$40.00} credit was gone. The only reason why I applied for the card in the first place was for the {$40.00} offer. The only reason I used the card was for the {$40.00} offer - and yet Wayfair 's system never allowed me to use the {$40.00} credit offer.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

My account ( and wife 's ) was acquired from First Citizens Bank from the bank we originally opened our checking account with, OneWest Bank. It was a checking account slightly above {$10000.00} that was originally opened with no fees and it grew to {$10000.00}. When it was acquired by First Citizens Bank, I received a disclosure of this and was prompted to create a new online account with them. I did so ( in mid XXXX ). Today, upon logging into my account to acquire a possible 1099-INT tax document, I noticed First Citizens Bank started deducting a {$50.00} a month service fee beginning in XXXX and then XXXX and XXXX and pending for XX/XX/XXXX. I immediately called my local branch and spoke to a XXXX at ( XXXX ) XXXX. Amongst many statements, she said she has been fielding complaints from other clients about this and her understanding is First Citizens Bank did not provide a disclosure about these service fees to effected clients. We discussed that my slightly over $ XXXX account was placed by First Citizens Bank into their " XXXX XXXX XXXX  '' account, which requires a $ XXXX minimum. When I asked how my account was selected to be placed into an account that requires such a high minimum of nearly five times my checking account 's value, she said OneWest Bank provided First Citizens Bank " bad coded files ''. I said, this is First Citizens Bank 's responsibility. UPDATE AS I'M TYPING THIS ( XX/XX/XXXX ; XXXX ) : Just received a call from Branch Mgr., XXXX XXXX XXXX XXXX ) XXXX. He said they are reversing the fees and placing the account in one that has no fees for a checking account valued at {$5000.00} or more. He said he will do research as to why my account was placed in such a high minimum XXXX XXXX  account, and why the $ 50 monthly fees began only this XXXX when my monies were already with First Citizens Bank back in XX/XX/XXXX. He did not have an explanation and did not seem sincere in what he did share. I stated this is very suspicious and that XXXX noted this was not just my account impacted but many other accounts that were transferred from OneWest bank. He replied he would do research, reverse the fees I incurred ( {$150.00} to date ; {$50.00} per XXXX XXXX, XXXX ) and create a checking account where my monies ( approx. {$10000.00} ) would not incur a service fee or minimum penalty. I have lost faith in the First Citizens Bank brand and integrity, especially in light of untrustworthy bank concerns.
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CA)

I have got a refinance on my house, by U.S.Bank, escrow closed on XX/XX/2020 the issue I have is with loan agent, Mr.XXXX XXXX, Mortgage loan Originator, NMLS # XXXX. 
Mr. XXXX XXXX promised me with his hand writing on back of his business card, that my final closing cost will be {$1700.00} and kept insisting that I should sign the documents and then they will show me the break down on the cost. 
After escrow was closed, I was charged {$440.00} more than I was promised, many phone calls and leaving messages without getting any respond, I've decided to make a complain with the Bureau. 
XXXX XXXX phone # ( XXXX ) XXXX Home Mortgage Division, XXXX XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2020-07-01
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: SYNCHRONY FINANCIAL (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Date : XX/XX/2020 My credit score ( Transunion and XXXX ) has been dropped 43 points in one day without any reason. 

After point dropped I immediately checked details from different free providers like XXXX, XXXX. Checked report from XXXX website. And then checked with Transunion subscribing their paid product and found nothing changed so far. Everything 's are correct and nothing are new in the report. 

My last personal loan account opened in XX/XX/2020. After then I paid all installment on time and credit usage also decreased. Some old hard inquiries also removed. 

The factor of calculation they mentioned it was same and nothing changed. I didnt get my answer anywhere that what suddenly happened that I cant see that dropped score for 43 points?
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (TN)

Aidvantage, Department of Education collection company looked in my credit from the year of XXXX and reported that I am four late payments behind. I have four different loans. As of the XX/XX/XXXX it was credited asif it recently happened. I called the company I told them about it and they can go back 7 years on your credit and report. I told them you didnt have power of attorney of my account and company didnt exist. I filed a dispute with experian they did nothing but say we sorry. My credit score went down XXXX.
Consumer complaint received 2024-12-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CCM Finance LLC (TX)

My complaint is concerning a breach of consumer law and breaking of my loan contract by XXXX  XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. My vehicle was repossessed on XX/XX/24 and on XX/XX/24 at approx XXXX XXXX  I spoke with a gentleman by the name of XXXX XXXX who is the repossession supervisor with ccm finance. On a recorded phone call, he stated that he was not going to give me the right to redeem my vehicle and proceeded to refuse to tell me the total I should pay to get vehicle back. He then used harassing and threatening language before repeating that " they will no longer be doing business with me '' completely violating my right per the contract to redeem my vehicle. This lender has engaged in consumer rights violation by using misleading, misrepresentation and deceptive practices. They then send me a payoff statement via email and failed to furnish any documentation on how to redeem the car and the cost. I have attached all the evidence to back my claim in court. XXXX existence of contract XXXX plaintiff CCM finance LLC did not perform contract obligation XXXX breach of contract by CCM finance LLC XXXX XXXX I have suffered financial loss by losing my job currently and financial hardship in future due to this being reported to my credit report.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested record is settled. 


AM XXXX XXXX  XXXX