davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

XXXX, was placed on my property after all structures had been completely destroyed by a XXXX fire. From XXXX approximately XXXX dollars was added plus interest to my mortgage to cover a HOUSE that had been destroyed. The primary reason the home was not rebuilt was the failure of Wells Fargo to file a timely claim against an insurer who's policy was indeed in effect at the time of the disaster. XXXX XXXX XXXX policy was never contacted by Wells Fargo and my policy was reduced to just enough to clean up and continue to pay on the vacant land. Approximately XXXX dollars was added to the payoff due to interest and XXXX additions from XXXX. Despite having coverage I was still being charged for Lender Placed insurance. When the property was destroyed, my statement clearly show XX/XX/XXXX Hazard insurance XXXX $ XXXX XXXX  XXXX XXXX XXXX continued payments. The Wells Fargo Policies did not cover LAND. Wells Fargo was keenly aware there were no structures on the land from XX/XX/XXXX XXXX to payoff of the mortgage in XXXX yet added nearly XXXX in forced placed insurance. The land was not COVERED. All that existed was land. Wells Fargo made mistake after mistake after mistake in an effort to generate max profits. The CFBP penalties clearly address both of the actions present in my dealings with the WFB. I have received a mere XXXX for improper foreclosure vs. the XXXX in loses due to the lack of customer care by this bank. My complaints in this matter have been virtually dismissed and certainly not handled in a fair and just way. Please look at the record of LPI and refund those amounts as they should never of been placed on vacant land with no remaining structures.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Ive asked to remove XXXX XXXX XXXX they are not residence and the XXXX XXXX XXXX is not my residence address its where the XXXX XXXX XXXX located! XXXX XXXX was sold to another lender! I have no control over it and it closed, was paid off and transferred to new lender which is current! The names XXXX XXXX, XXXX XXXX or XXXX XXXX are NOT my names! Ive asked over and over to remove them from my personal information! Several accounts are duplicates and my ex boyfriend charged them without me knowing! Many of the hard inquiries are identify theft! Not mine! I want to opt out of XXXX I dont know what that is and Ive never filed bankruptcy. This is my 3rd time requesting it to be fixed! All 3 credit report companies have my personal info wrong and hard inquiries are not all mine, identity theft! The 6 accounts, my ex charged without my permission! 2 are the same and I never had a contract with XXXX! Id like this fixed and they arent acknowledging me and my request. Plus they are old and it states negative! Furthermore lock my account because theres too many hard and soft inquiries! Ridiculous!!!
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Citizens Bank for inaccurately reporting two late payments on my credit report. Despite making my payments on time, Citizens Bank has reported me as being late for the months of XXXX and XXXX, and this has significantly impacted my credit score.

I have attempted to resolve this issue by contacting the company three times, but have received no assistance in rectifying the situation. The representatives I spoke with informed me that they would call me back, but I never received any follow-up communication from them. 

As a consumer, I demand that Citizens Bank comply with the Fair Credit Reporting Act ( FCRA ) and immediately fix this issue on my credit report. I also request that they provide documentation supporting the late payments they have reported, as I have no record of being late with my payments. 

I urge you to take swift action to ensure that Citizens Bank is held accountable for their inaccurate reporting and failure to assist me in resolving this matter. Thank you for your attention to this issue.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear CFPB, I recently started using a XXXX XXXX XXXX card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX  work and XXXX charges applied. On XX/XX/XXXX I was notified by Chase that there was a change on my credit score-my CREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by XXXX bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted XXXX and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the XXXX balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. 

WARNINGS TO OTHERS : 1. I have numerous XXXX accounts and history but they do not have ANY ability to assist with problems with XXXX you are on your OWN! 
2. XXXX customer service explanations were uncaring and vague- no advise. 

QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 
2. How does it affect your credit score to discontinue the XXXX credit card? Are you better off leaving it at XXXX unused until XXXX discontinues it? 

Thanks CFPB for your assistance in advance. I read so many bad reviews for XXXX on XXXX and wallet nerd that I see I am not alone ... ..
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to formally register a complaint regarding what appears to be many numerous attempts to remove fraudulent items from my credit report. I have observed multiple suspicious activities that suggest a potential compromise of my credit information, and I am deeply concerned about the integrity and accuracy of my credit file. 

Despite these removal attempts, I have not been contacted by your agency for verification purposes. It is disconcerting that such significant changes to my credit report have been initiated without proper authentication. 

Given the nature of these activities, I am highly alarmed about the possibility of identity theft. I have taken steps to secure my personal information, and I expect your agency to investigate these matters thoroughly. 

I kindly request that you initiate an immediate and comprehensive investigation into these incidents. Additionally, I would appreciate regular updates on the progress of the investigation, including any findings and actions taken to rectify the situation. 

To assist with your investigation, I have attached relevant documents. 

I understand the importance of maintaining accurate and secure credit information, and I trust that your agency will take the necessary steps to address this matter promptly. I am also prepared to take further legal action if the issue persists without resolution. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX  Balance {$4100.00} XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My company mailed a check to a client mistakenly and she deposited into her account via a bank phone application. Not realizing that the check was not made out to her she deposited it into her account and the app accepted the deposit. After realizing what she had done my client who deposited the check to her Bank of America account called B of A and asked them to reverse the deposit. B of A reversed the deposit but the check was still cashed and the funds were never reversed or redeposited back in to our XXXX account. They claim they redeposited the funds to our account but XXXX has no record of them having done so and no credit has been made, only a debit appears in the amount of {$9500.00}. I have placed a stop payment on the check which I was instructed to do by a B of A representative which has done nothing to correct the matter. This transaction occurred on XX/XX/2019. Ever since then B of A has refused to work directly with me since I don't have an account with them and because I am not listed on the account in which the funds were deposited in to. B of A is still holding my money and has refused to assist me in anyway, shape or form.
Consumer complaint received 2022-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (KY)

This debt is on my credit report and I do not owe this company any money nor have I received any type of correspondence or mail about this debt. There is no written contract between myself and this debtor that I owe them this amount of money.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$480.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX XXXXXXXX {$710.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES (FL)

1. I sent a money order to Zwicker and Associates for {$300.00} that was received on XXXX. Zwicker mis-routed the money order and paid someones account for XXXX. 

2. I made numerous phone calls, which I didn't document at the time to get it resolved. They eventually discovered that they had sent my money to the wrong account instead of my XXXX bill. I then XXXX overseas in XX/XX/2020 to XXXX and my father continued to follow up on the issue. He has a Power of Attorney to conduct business on my behalf. All the subsequent actions after this were conducted by my father while he kept me apprised of his progress. 

3. Called the morning of XXXX. I ( father ) talked to the XXXX side representative who told me that I had to talk to XXXX directly. I called XXXX who told that I needed to talk to Zwicker as they had not received the {$300.00} mis-directed payment for XXXX account. I called Zwicker back at XXXX and talked to someone with Zwicker. He had just received an e-mail at XXXX saying that a {$300.00} refund was requested to be sent to XXXX. 

4. I called on XXXX and talked to a XXXX manager XXXX XXXX. She told me that she would talk to the person who was handling the account as the refund was never sent to XXXX. She said that she would talk to her boss. 

5. I called again on XXXX and talked to XXXX XXXX who said that she had sent an e-mail on XXXX to XXXX XXXX, a Zwicker manager who had previously been handling the issue, and to the person currently handling the account. She said that she had not received an answer back yet. I asked her if she had talked to her boss yet and she said that she hadnt. 

6. I called on XXXX and talked to XXXX XXXX. She said that XXXX had sent them a check but that they couldnt find it. Zwicker requested the check number from XXXX. I proposed that Zwicker pay us the {$300.00} and then they could pursue the issue with XXXX. XXXX said she wasnt authorized to do that and that she had to talk to her boss. She said that her boss had left for the day when I asked her to talk to him. I then requested that she talk to him about my proposal. 

7. I called on XXXX to talk to XXXX but she wasnt available so I talked to XXXX XXXX. She said that internal correspondence on XXXX indicated that the check was authorized to be sent directly to me from XXXX. She expected it to arrive no later than XXXX. She requested that I inform her when the check arrived. The check has never arrived. 

8. On XXXX I filed a XXXX XXXX XXXX complaint in XXXX name. The complaint number is XXXX. Ive not heard from the XXXX  as of XXXX.
Consumer complaint received 2023-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (AZ)

The co. is XXXX 's. The latest communication was a letter from Merchant 's Credit Card Co. dated XX/XX/XXXX, in which they included a copy of a XXXX 's invoice ( # XXXX ) for a hooded throw/cam in the amount of {$39.00}. After several months of finance charges and adjustments, the final balance they claim they are due is {$45.00}. 
I phoned and spoke to a rep at MCG on XX/XX/XXXX. I explained that I received a XXXX delivery around that time which I hadn't ordered. I did not open the package and returned it to sender via XXXX. ( It felt as though there might be a pillow inside so I can only assume that this may have been the delivery that XXXX 's is referring to. ) The rep with whom I spoke told me he would let XXXX 's know that the merchandise was returned to sender. I have never shopped with XXXX 's and never heard of it until I started receiving bills from them. Actually the first invoice from them was in XX/XX/XXXX. I reported that to 'report.ftc.gov ' on XX/XX/XXXX and my claim was confirmed received # XXXX. My credit report on XX/XX/XXXX was much better than the prior 1 and I have again requested an updated credit report. Coincidentally, today I received an email regarding my XXXX XXXX XXXX XXXX credit card which stated that my line of credit has been reduced due to a recent credit delinquency. As you can see, I have had many issues with false reports about my credibility for a year now. Your expedient response and assistance are much appreciated. Thank you, XXXX XXXX
Consumer complaint received 2020-08-22
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)

On XXXX XXXX the creditor XXXX XXXX XXXX the original creditor is XXXX XXXX XXXX XXXX. this account was dismiss by License California Judge court ordered Dismissal. I have given proof of the judge court ordered Dismissal to TransUnion yet they refuse to remove it off my credit report. XXXXXXXX XXXX XXXX  has been paid off since XXXX XXXX which I have provided the receipts proof of to TransUnion yet once again they refuse to remove their inaccurate information provided on this account. Transunion has reported XXXX XXXX  as a delinquent/closed account which inaccurate I provided Transunion with the proof of the paid off account yet they refuse to remove this inaccurate information off of my credit report. It has been well over 30 days and Transunion refuse to send me an updated complete copy of my credit report.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to  request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-07-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

PENNY MAC MORTGAGE, IS PUSHING FURTHER AND FURTHER, to scam me to a high rate, i have been trying to Refinance my loan to a lower interest rate and PENNY MAC IS PUTTING EXCUSES to closed the loan when all document were submitted 3 weeks and no futher document were request, and continue to push the loan futher to XX/XX/21, there scamming me to the higher rate and losing money that there scamming
Consumer complaint received 2020-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK (IL)

I contacted XXXX XXXX on XX/XX/XXXX when I noticed a charge. The charge was from XXXX and I had not received the item as scheduled. I tried to contact XXXX, but could not due to the XXXX rioting in XXXX. I thought my order wasn't delivered because of the mess. I emailed and called XXXX. Finally I received a letter from them saying I wasn't billed and the transaction was not completed and to contact the Bank for any issues with funds. I did this and TCF still has not recovered my funds as promised. 
I have been chasing my money since then and TCF won't stop with their errors. They recently changed their banking hours, started back dating debits with no descriptions, charged overdraft fees despite all the mess with their systems and merger. The reps take no accountability at all.
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX  XXXX  institution did fraud and identity deft on my name. And possibly shared with that XXXX and unknowing experian, XXXX, XXXX. This four XXXX companies are holding my information without my consent.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or  XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.