davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

In XXXXXXXX XXXX XXXX there were several transactions on my account that I did not authorize so I disputed them more then once even with XXXX liability debit card terms each time it came back that I was liable costing me thousands of dollars I spoke with a supervisor in corporate whom said there's nothing they can do and even though I asked countless times for documentation or any other evidence used in this dispute against me I was denied which is illegal I am legally privileged to receive any documentation used against me in a dispute upon request I am requesting documentation as well as any other documentation as well as my statements from XXXX and XXXX and any other evidence used including but not limited to documentation, video etc thank you
Consumer complaint received 2024-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

New Rez Mortgage made an escrow payment they claim is to an insurance company that has no record of the bill or the payment. New Rez now will not provide me the details of this bill. XXXX XXXX was the last supervisor I spoke with and he said its not their departments responsibility but could not transfer to that department or have them provide this information.
Consumer complaint received 2024-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (DC)

I tried to close my Citibank checking and savings account on XXXX. I spent XXXX hours on hold and had to talk to multiple people and they made it practically impossible to close my account. The process was extremely confusing, had friction at every step, and I was constantly out on hold. It seemed that they wanted to find a way to keep the account live by making the process impossible.
Consumer complaint received 2023-01-06
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: CAINE & WEINER COMPANY, INC. (FL)

Caine & Weiner flagged my account and opened a collection on my credit report that has severely affected me! It says the account was opened on XXXX, 2019. This is the second time they have done this. Last time was removed and now they opened again! I have no knowledge of this account nor do I have any contract with this company! The amount says {$380.00} original balance and {$390.00} past due. Please remove from my credit report
Consumer complaint received 2020-04-29
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. (WA)

XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late and also reporting a collection/chargeoff I the amount of {$5200.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a XXXX dollar balance. This false reporting of not only lates but a collection/chargeoff on an account with no outstanding balance, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-07-28
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: EQUIFAX, INC. (GA)

I do not owe these companies.. I don't acknowledge the creditor. I am not the owner of the accounts nor am I responsible for the transactions made.. I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied for a XXXX XXXX secured card and I thought I messed up on the application so I redid the application.The first time I did the application I was approved, the second time was denied, I did not know doing the application over would give me a hard what ever it's called, the applications were to the same card, I was wondering if that could be reversed on my credit.Had I have known I did the application right the first time, I wouldn't have redone it.Please help
Consumer complaint received 2022-04-08
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. (IL)

Hi, my name is XXXX XXXX contacting the CFPB on behalf of my mortgage with XXXX Bank under the account # XXXX. As stated in their response in which I will attach within the last 24 months my account has not had a late payment reporting. Therefore, I am asking to have the in factual late payments that are reporting on my credit report as a late payment for XX/XX/XXXX, and XX/XX/XXXX to be removed entailing what they have responded in the previous CFPB dispute. The company has stated that I was never late therefore, they should have the all XXXX credit bureaus fix the appropriate information. Please see the enclosed documentation.
Consumer complaint received 2024-12-02
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (MD)

Last week I received two pieces of mail, one appearing to be a credit card addressed to XXXX XXXX at my address ( titled property in my name, ) XXXX XXXX XXXX, XXXX, MD, XXXX. Concerned that my title was in jeopardy, I filed a complaint with the XXXX XXXX office online. I have received no response so I have taken the first two pieces to the XXXX post office today, XX/XX/XXXX, surrendering the mail to XXXX. 
In todays mail I received a credit card statement from Macys addressed to XXXX XXXX again, so I called Macys to report it. I was rerouted several times and hung up in frustration after speaking to XXXX, then XXXX then XXXX! 

I took pictures of the front envelopes of the first two pieces and XXXX post office ( XXXX, ) refused to give me a receipt for the actual credit card piece. I have in my possession the Macys statement received today and I am concerned that someone is opening credit in my name in an attempt to establish residency and steal my title!
Consumer complaint received 2024-12-02
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC (IL)

This company advertised on the web to an Illinois Resident, coerced an Illinois Resident to travel to Wisconsin on a phone call, & had an Illinois Resident accept loan terms that violated Illinois State Protections regarding Predatory Loans ( PLPA [ Predatory Loan Prevention Act ] ). This company never informed the Illinois Resident of such protections. The Illinois PLPA states : ( 815 ILCS 123/15-5-15 ) Sec . 15-5-15. No evasion.

( a ) No person or entity may engage in any device, subterfuge, or pretense to evade the requirements of this Act, including, but not limited to, making loans disguised as a personal property sale and leaseback transaction ; disguising loan proceeds as a cash rebate for the pretextual installment sale of goods or services; or making, offering, assisting, or arranging a debtor to obtain a loan with a greater rate or interest, consideration, or charge than is permitted by this Act through any method including mail, telephone, internet, or any electronic means regardless of whether the person or entity has a physical location in the State. 

This company violated this act by " making, offering, assisting, or arranging a debtor to obtain a loan with a greater rate or interest, consideration, or charge than is permitted by this Act through any method including mail, telephone, internet, or any electronic means regardless of whether the person or entity has a physical location in the State. '' Furthermore, this company has violated this act by aggressive means of collecting by contacting other Illinois residents listed as references to instruct the debtor to continue payments. 

The Illinois PLPA States : ( 815 ILCS 123/15-5-10 ) Sec . 15-5-10. Violation. Any loan made in violation of this Act is null and void and no person or entity shall have any right to collect, attempt to collect, receive, or retain any principal, fee, interest, or charges related to the loan.

( Source : P.A. 101-658, eff. 3-23-21. )
Consumer complaint received 2020-04-30
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. (NC)

In XXXX of 2020 during process of purchasing a home my credit utilization was 50 % on a XXXX XXXX credit card. I was advised to do a dispute for balance since card had been paid down to XXXX. Dispute was done through XXXX XXXX. On XX/XX/XXXX my credit score dropped 115 points. After calling XXXX XXXX they said to contact Transunion which I did. They notified me that XXXX XXXX never responded to dispute so they legally could remove the card. I called XXXX XXXX two more times even speaking to supervisor and they confirm responding to Transunion. 
Also Transunion said to just tell XXXX XXXX to report and we will add back. XXXX XXXX   did report on 21 and Transunion saying did not get it. 
I am at a loss as I need this added back to move forward with mortgage and Transunion is in no way helping. They are being reported to as other agencies are getting the info.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANKUNITED, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX, a debit in the amount of {$2200.00} was taken from my checking account at XXXX XXXX. It was reportedly sent to BankUnited. BankUnited claims these funds were never received and XXXX states funds were withdrawn and I would need to talk to BankUnited. Both institutions are telling to talk to the other. I even went so far as to have a conference call with both institutions to resolve the matter. To this date, no funds have been returned to me. This has caused serious hardship for me in that my mortgage now considered late, late fees were assessed and it has affected my credit. XX/XX/XXXX Online Payment XXXX To BankUnited, N.A. XX/XX/XXXX Bill payment {$2200.00}. 


The Trace number is XXXX
Consumer complaint received 2023-01-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (MD)

We had a home equity line of credit that reached the draw date in XXXX of 2022. I had numerous conversations with Wells Fargo in the previous months about the best way to deal with this. In XXXX of 2022, at the suggestion of one of the employees I spoke with, I borrowed the credit limit against future home repairs I knew were coming up. I then arranged to transfer the balance to a new loan with affordable monthly payments ( approximately {$450.00} ) at at the prevailing interest rate ( somewhere in the neighborhood of 5 % ). I was sent some documents to fill out and return via email, which I did. Subsequently I called to make sure they received them when I heard nothing back. I was reassured that they had, and that things were on track. Now we have received a statement from the Home Equity Line of Credit with a minimum monthly payment of {$1400.00}, {$450.00} of which are " finance charges. '' Certain that this was an error, I called Wells Fargo and was told that the loan was never finalized because they were missing a second set of documents that they emailed me on XX/XX/XXXX. I never received those documents, although I did receive an email on that date asking me to rate the service I had received. Nobody ever attempted to contact me after that. Now I am told that this " wasn't the bank 's error '' and " the system '' won't let them do anything because it's past the draw date. We can't possibly make the minimum monthly payment on this old loan ; furthermore, I was never notified that there were missing documents that were needed to finalize the new loan. They had my email, my street address and my phone number. I can't help but feel that this may have been deliberate on the part of Wells Fargo. When I asked why nobody attempted to contact me as to why they hadn't received the second set of documents, I was told that that would have been a " courtesy '' that they are not obligated to perform. We were never notified that there was a problem. I feel like we were scammed.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, However with the accuracy of this account is incorrect it is reported that I have several late payments however this information is incorrect. In addition this is furiously posting incorrect information. I have no remembrances of having this account. This account may belong to my father we have the same name and our information has be intertwined before on our credit report. This account belong to someone the Account status is not consistent, nor is the Date opended High Credit, Past Due amount Payment Status Last reported Date last active have mix information agmost the three credit bureaus .... Look HOW ALL THREE CREDIT BREAUS HAVE DIFFERENT INFORMATION... THIS IS NOT RIGHT SOMEWHERE SOMEONE DROP THE BALL... .THIS IS GROSS NEGILENCE.
Consumer complaint received 2020-04-29
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: Bull City Financial Solutions, Inc (TX)

I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my accounts. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (SC)

I realized upon pulling my credit report that XXXX XXXX XXXX reported {$430.00} as an overdue electric bill from XXXX on XXXX XX/XX/XXXX. I have never received a bill or notification prior to seeing this on my credit report. I filed a dispute with Experian and after two days received an email that my dispute was resolved. When I checked the report it only noted that account had been updated. No information was provided by XXXX, but they are still reporting it as a collections account. I called XXXX and made it clear that I do not owe this debt and after still trying to get me to pay it just to get if off my report I was told by the agent that they had no proof of ownership of the account, but they could request it. The XXXX agent also stated that its unlikely anything will change as we are just two people working against the XXXX XXXX XXXX. At this point, I feel that a company was allowed to add something to my report without any proof the account even belonged to me and there is no reasonable checks and balance in place by Experian that allows for me to contest the account. Experian only offers the ability to challenge if again with additional documentation since the account isnt mine, I dont have additional documentation. I need help with this please! It is impacting my security clearance as a military member.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

Upon reviewing an updated copy of my Credit Report, I immediately noticed that the Credit Bureaus hever took action and ignored my letters requesting the removal of the disputed items. I believed that this issue had been resolved because of the written letters I had sent to the credit bureaus. My last letter to the credit bureaus, which I sent in the hopes that they would act and take notice of my Disputes, was sent on XX/XX/2022. I am disappointed and frustrated to see that no changes were made to correct the erroneous reporting of the Disputed items on my Credit File. The Fair Credit Reporting Act section 605b requires the credit bureaus to remove items that the consumer believes were acquired as a result of identity theft, and by disregarding my appeals, the credit bureaus have violated this provision. I've informed the FTC about the identity theft, and I've been included the Identity Theft Report I obtained in my correspondence with the credit bureaus. I'm submitting this complaint to ask the Credit Bureaus to look into it again and properly confirm the accuracy of the information being reported on my credit file this time. The credit reporting companies have let me down in the past, and if they continue to refuse to remedy their blatant disregard for the FCRA regulation, I will be left with no alternative but to file a lawsuit. I need the following things removed right away. I need the following items deleted immediately : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX C XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$130.00} XXXX XXXXXXXX Balance Owed : {$980.00} ACCT XXXX XXXX  XXXX Balance Owed : {$51.00} ACCT XXXX XXXX  XXXX Balance Owed : {$70.00} XXXX XXXX Balance Owed : {$170.00}
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and also the following inquries not mine never did anything during those date mention here 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the next addressees never lived there XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX MA XXXX
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I received a letter from CFPB on XX/XX/2022, that you closed my complaint to protect myPRIVACY. I called XXXX, Experian, and XXXX after I purchased a credit report fromXXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLEitems on my personal profile, I noticed that there were Names : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX. Accounts : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : $ XXXX : XXXX XXXXXXXXon my credit report which are UNKNOWN to me. This isdisappointing because I have been paying XXXX XXXX to get a report every month and Ihave been disputing fraud items on my credit report all this time. One of the staff told me tovisit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED ORREMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) thecredit bureaus are required to remove/block any item which was opened without myknowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of theidentity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of suchinformation by the consumer; and ( 4 ) a statement by the consumer that the information isnot information relating to any transaction by the consumer.

A copy of my Driver 's License, Social Security Number and Proof of Address are all included in this complaint. I want you toknow that I am telling the truth and by XXXX, Experian, and XXXX not blocking theseitems are inadvertently resulting in me being extorted.