davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

There is two Bankruptcies on my credit files in error. I have contacted Equifax, XXXX   and XXXX via certified mail to dispute these errors several times with no resolution. These Bankruptcies do not belong to me and they have negatively effected my business and personal life. Each credit reporting agencies was provided notice that I was a victim of identity theft. XXXX  has deleted this erroneous error, however the other two credit reporting agencies have declined to do this. 

I requested that each of the credit bureau contact this Bankruptcy court to validate the actual identity of the individual these Bankruptcies actually belong to. I also requested proof to support that these reporting bureaus actually contacted this specific Bankruptcy court for verification. That information has not been provided by none of the credit reporting agencies. I sent this request in writing and via certified mail with return receipt to verify my request. It has been over four months and I still do not have resolution.
Consumer complaint received 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

I submitted a complaint yesterday along with XXXX attachments because CFPB requested additional information I have spoken with someone 3 times regarding this complaint. All information was uploaded and now it is closed! 
I fedexed information XX/XX/XXXX So Im starting over On XX/XX/XXXX I sold my house for {$350000.00}. I left the closing with {$0.00} [ seller/buyer settlement statements to be uploaded again ]. I did not get my proceeds because the servicer for XXXX XXXX submitted a {$250000.00} payoff statement for the only first mortgage that was paid off XXXX. ( Or before second mortgage was released in XXXX ) Because XXXX XXXX XXXX  failed to release the lien I had to take the cash from my investment/retirement account. [ XXXX statements ] I have paid fees and penalties and cant replace the money without my proceeds. instead we now have a mortgage on {$200.00} purchase. Without the retirement account i opened in XXXX, I took reduced social security to make the payments. Even after they took my proceeds, I had to contact FDIC to get the mortgage released 3 months after the sale and after paying continental title $ XXXX Because there are multiple issues, I am going to submit separate complaints. ( and in case submission was closed due to exceeded upload limits. ) I will include this complaint number with next XXXX submissions. 1 ) closing 2 ) ; loan payments XXXX ) unsecured debt
Consumer complaint received 2020-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (DC)

This issue is Of my complaint, Is surrounding wellsfargo bank initiating bogus, fabricated investigations Without my consent To do so. 

I want Wells Fargo to cease and assist these fabricated actions on my account! That comprises the security on my account! 

These actions taken by Wells Fargo has compromised the security on my account by Wells Fargo simply dumping confidential account information in the usps mail when I specifically requested all correspondence with confidential account information be delivered via email in my secured online message center inbox with Wells Fargo! ONLY! 

the most recent Fabricated, frivolous event occurred XX/XX/2020 where I received a email from Wells Fargo from XXXX XXXX XXXX?. 

This XXXX didnt even care to give a last name? This further substantiate this is a bogus frivolous action initiated solely by Wells Fargo with out my consent to do so! 

The phone number that was left in my message center email correspondence for XXXX XXXX contact was XXXX The case number listed was XXXX Account ending in XXXX Reasonable accommodation Refused by XXXX XXXX Executive office case specialist from Wells Fargo executive department. 

XXXX XXXX has no concern for my requirements of reasonable accommodations Due to XXXX   XXXX, to communicate via email correspondence to afford me opportunity of effective communication communication. 
Wells Fargo ignores my reasonable accommodation requirements due to my XXXX   XXXX, persistently demands I Quote on quote call, communicate with them via email when XXXX XXXX XXXX and staff at Wells Fargo, are fully aware I have a XXXX XXXX, I Do not have the physical capability to utilize the telephone! 

Wells Fargo has absolutely no value for me as a Loyal customer for the past several years by implementing unnecessary actions on my account that are not consented by me as the account holder,
Consumer complaint received 2024-12-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (TX)

On the XXXX XX/XX/2024 I entered into a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for a XXXX XXXX XXXX. On the XXXX XXXX XXXX transferred the contract to Monterey Financial Services ( MFS ). The first two months ( XXXX XXXX the credit card payments were fine. Then for the next two months ( XXXX ) I was charged a " Cash Transaction '' fee for my monthly payment. 

MFS was aware that interest bearing accounts are not to be paid with an interest bearing card. However, banks had not enforced this process until XX/XX/2024. This is the reason I am being charged " Cash Transactions '' for my monthly payments to MFS. 

It was negligent on MFS part not to inform XXXX  of this fact. Had XXXX informed me that only " cash '' payments i.e. debit or checking accounts were the only acceptable forms of payment I would not have bought the service. 

MFS has offered to credit the two months of " Cash Transaction '' fees but want another form of payment for the loan. I did not sign a contract for cash payments.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2020, my AAA/Bank of America credit card was charged {$210.00} FOUR times right in a row by XXXX for a total of {$860.00}. This credit card company never called me to question the charges! XXXX FRAUDULENTLY let someone use a XXXX account under my email, change the password, add new email addresses, order products that I don't know about nor would I order them, and shipped them to an IP address in XXXX, New York which I have never been to nor know anyone there. I have repeatedly opened up fraud disputes with the credit card company only to get a letter two days later that it was denied because they have proof of my email address, name and home address and that I received the merchandise. They have no proof because I never ordered anything from them. I have a police report from the XXXX County Sheriff 's Department on XX/XX/XXXX and talked to a State Trooper named XXXX XXXX from XXXX, New York XXXX. I could not get any information from the credit card company and XXXX for months and months and many phone calls to people that can barely speak XXXX. I have had to go to the local Bank of America branch in XXXX, New York with a branch manager for two days and 7 hours on the phone to try to straighten this out without any resolution. I have XXXX XXXX and this is not helping. This has been payed in full by my checking account/autopay and the credit card company is going to report this to XXXX XXXX XXXX and XXXX. I have always paid my bills in full and now my credit will be ruined and they will not return my almost {$1000.00}!
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I was hospitalized in XX/XX/2020 with Covid19 and was unaware that I became late on my XXXX XXXX account. 
When they contacted me to inform me I was late I immediately paid them. 
I requested that they remove the late payment from my credit report because I was a victim of Covid19, but they refused.
Consumer complaint received 2021-02-04
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: Experian Information Solutions Inc. (GA)

I have contacted Experian a total of three times to dispute inaccurate reporting on my credit report by my student loan servicer. 

The dates I have contacted Experian to file a dispute are : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

The disputes in XX/XX/XXXX and XX/XX/XXXX were initiated by me through the Experian XXXX app. The XX/XX/XXXX dispute was taken over the phone by a dispute specialist. 

Each of the three disputes have consistently presented the same narrative : my account is being reported as 90 days late during a period of Income Based Repayment with a payment amount of {$0.00} due. 

I have submitted statements to Experian as part of the XX/XX/XXXX and XX/XX/XXXX disputes which reflect that no payment was due during the alleged 90-day delinquency in XX/XX/XXXX. 

I was unable to upload new evidence to the Experian consumer upload site because the files were too big on the first attempt. This caused the website to display an error message on further attempted uploads and also for any other sessions. 

The results from all of my disputes return with no change being made. The reason is because my student loan servicer has certified to Experian that the information is correct and as a result would remain. 

This is a boilerplate response and I do not feel that individual human attention has been given to my dispute. If that were the case, Experian could clearly see that it is not possible for my student loan account to be delinquent when no payment has been due multiple years prior to and after XX/XX/XXXX. 


I am aware of my rights if I disagree with the results. However, the remedies that are listed on my report are not available. I can not submit a statement of disagreement to be listed on my report nor have I been able to obtain the method and details of how the investigation was conducted. 

This is the ONLY delinquency on my report and as a result, my score and credit file are suffering. This impedes my ability to obtain credit which is causing me to suffer a loss. 

Experian should stop acting in favor of the student loan servicer and instead conduct investigation in a neutral format as they are legally obligated to do.
Consumer complaint received 2020-10-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$1800.00}, {$33000.00}, {$12000.00}, {$16000.00}, {$12000.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2020-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CT)

On XXXX XXXX my mom called XXXX  XXXX  support from my telephone. While on the phone with XXXX  XXXX  the other party went into my acct and made 3 transactions of XXXX, XXXX and XXXX . There was another wire transaction for XXXX . The  only reason I found out about it was because XXXX  XXXX  emailed me telling me that my XXXX  XXXX  acct was unlinked from my email acct. I called the bank immediately after the email. It was within an half hour of the transactions. The bank opened 5 fraud claims. They gave me half the money which was XXXX $ and told me the other half is my fault for downloading the XXXX XXXX. I've had XXXX XXXX  for years and have never had this problem. Wells fargo usually emails me if I spend even XXXX. All of a sudden they stopped emailing me. When I called the bank, the bank told me that the hackers hacked my online acct and registered my wire transfer to transfer money and and then unlinked my online banking. I went to the XXXX police dept and got a police report as well as printed out paperwork showing what happened. The police officer told me he would give the paperwork to the fraud detectives. Please help me.
Consumer complaint received 2020-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

Citibank has engaged in unfair and deceptive practices by relying on inaccurate information to deny my credit application, violating my rights under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). This denial appears to be based on a prohibited basis, as it lacked proper notice and transparency. I am formally requesting a copy of the consumer report used to make this decision. Citibank has five ( 5 ) days to provide the requested report and rectify this matter. If this issue is not resolved promptly, I will take legal action to protect my rights.
Consumer complaint received 2020-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2020-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (TX)

XX/XX/2020 I find it appalling that a secondary debt buyer, LVNV Funding LLC, is actively filing lawsuit across state line against people who are struggling under a pandemic with unemployment, health and uncertainty. I will be filing regulatory complaints, forwarding my complaint to national law offices for their review, posting my complaint on consumer advocacy sites ( including social media ) and writing to U.S. Senators ( including XXXX XXXX ) and other government officials of your practices to raise awareness to others of what you are currently doing. 

I have never engaged with your company for any request of credit, services or for anything else. I dont know who you people are. 

I do not have any responsibility for the debt you are trying to collect. 

Because of recent catastrophic personal events, ( including unemployment, personal and family health issues ) I have become insolvent. I have exhausted any available cash/credit to continued payments to any creditors that might be demanding payments on debts they say I owe. At the moment, I am seeking assistance from others to help pay for my health and living expenses and selling personal property of mine for day to day survival needs. 

I do not see a radically change occurring in my situation in the foreseeable future. As such, I hereby request that you Cease & Desist on this matter including withdrawing the lawsuit you filed via a XXXX, Texas office XXXX XXXX.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX, I paid off my mortgage loan, IN FULL, per the payoff statement provided to me by XXXX XXXX XXXX XXXX. Payoff statement dated XX/XX/XXXX, with a payoff amount of {$4000.00}. I requested an update to my credit reports to reflect the paid off mortgage loan. They updated my credit report to show a current balance of {$30000.00} and the account as closed. This must be corrected immediately as that false reporting has dropped my credit score by 22 points.