davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

On  XXXX   XXXX  I had to leave and go to Missouri for 18 months, while away  Wells Fargo allo wed my checking, savings acct. and credit card to be mishandled and closed them and reported them negatively to all   XXXX   credit bureaus, they never reached out to me. When I returned  XXXX    XXXX   I went into my local branch and after careful review they noticed I was not at fault and told me that I would not be responsible for fees that were associated with the account and they were going to reopen my credit card and checking and savings acct and update back to where they were prior to my depArture. None of the above happened, they even made me pay the money associated with the fraudulent activity. After 30 days past while I allowed them to investigate, no one ever contacted me I continued to visit the branch and I was treated like a criminal. They then told me they never promised to reopen any accts. they said they would look into it, what does that mean? Rou ghly 2 w eeks ago they insisted I pay the fees incurred from the late fees incurred on the credit card. I informed them that I would be filing a cfpb complaint.
Consumer complaint received 2017-04-28
Product: Student loan — Private student loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Climb Credit Inc. (AZ)

Me and my husband applied for loans on  XXXX   XXXX  with Climb  Credit . They approved me and had me co-sign on his loan for approval.We started at our   XXXX   XXXX   XXXX     XXXX   XXXX  on  XXXX , and right away we knew they did not live by their motto. They said they would be with us every step of the way. We contacted Climb to ask about switching schools, switching classes, starting over etc ... any possibilities because we left our jobs and took out  XXXX  in loans. They said they would get back to us the next day ... we never heard back from them. we sent a couple emails out asking about the possibilities and never heard anything until  XXXX   XXXX  when an email was received that we had been withdrawn. we immediately called and no one could help right away. The fact is we never withdrew ... We never signed any papers stating we wanted to withdraw .... They never spoke with me..EVER ... they took a payment that should not have been withdrawn from our bank account.  XXXX   XXXX  said they initiated the withdrawal until we mentioned CFPB and attorney and they quickly stated Climb initiated it. We are filing a separate order against  XXXX   XXXX . They lied and said because of attendance. We missed 2 days at the time they initiated the withdrawal. We left our jobs, we have lost wages, maxed our credit cards so we can try to maintain our dream of schooling, and now we are expected to pay Climb back for the portion  Climb  took out of the loan .... No one has ever heard of a school withdrawing anyone on someone else 's word. Please help
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: EQUIFAX, INC. (FL)

make my payments on time and had a stellar payment with this company. But upon checking my updated Credit Report, I noticed that this account is reporting erroneous information on my Credit File. I have been sending multiple letters to the Credit Bureaus requesting that they investigate and correct this erroneous reporting. But despite all my efforts to communicate with the Credit Bureaus, I came to a conclusion that the Credit Bureaus have been ignoring my letters by not updating this account. I am now submitting this complaint through the CFPB in hopes that the Credit Bureaus would take action andpay heed to my disputes in order to correct this errneous reporting. 
XXXX XXXX Balance Owed : {$920.00} Date Opened : XX/XX/2015
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I discovered on   XXXX   XXXX   that I was a victim of Identity Theft / Bankruptcy Fraud / Credit Card  / Loan & Medical Fraud,  Since or Before   XX/XX/XXXX   to Present Date. I have tried to dispute the information on my credit report with  XXXX  and TransUnion via  XXXX   XXXX  as best as I know how, I have been successful in getting a lot of activity removed from my credit bureau accounts. But am still having problems getting the following removed.     The following information is not mine, but the person causing fraud ...     *These are the collection accounts that are reported as open on my credit report.     Credit Report Bureau -   XXXX    XXXX   XXXX   XXXX  -   XXXX   XXXX   XXXX   XXXX   Balance {$160.00}  XXXX  Open accounts reported on  XX/XX/XXXX .     *Account #  XXXX  Balance {$83.00} Original Creditor name -   XXXX   XXXX   XXXX   XXXX   High Balance {$83.00} Opened Date  XX/XX/XXXX  Last Reported  XX/XX/XXXX  Responsibility - Individual Account Remarks - Medical *Account #  XXXX  Balance {$83.00} Original Creditor -  XXXX   XXXX    XXXX   XXXX   High Balance {$83.00} Opened Date -  XX/XX/XXXX  Last Reported -  XX/XX/XXXX  Responsibility - Individual Account.   Remarks - Medical *Credit Inquiry VIA  XXXX  *Creditor Name -  XXXX   XXXX  Inquiry Date -  XX/XX/XXXX  Removed By* -  XX/XX/XXXX  Type - Miscellaneous Utilities *Creditors Name -  XXXX   XXXX  Inquiry Date -  XX/XX/XXXX  Removal Date -  XX/XX/XXXX  Type - Mail Order Firms Info via TransUnion : - Credit Inquiry - Creditor Name -  XXXX  Inquiry Date -  XX/XX/XXXX  Removed by* -  XX/XX/XXXX  Type -   XXXX   XXXX   XXXX   XXXX    Contact  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  *Public Records Details Via   XXXX    : - Bankruptcy -- Discharged  CH- XXXX  -- Reference Number -- Date Filed -  XX/XX/XXXX  Date -- Status  XXXX   Discharged CH  XXXX  Amount -- Classification -- Responsibility - Joint Asset Amount  -- *Credit Report Bureau -  TransUnion Balance {$0.00}  .     XXXX  Open accounts reported on  XX/XX/XXXX .   This agency did not report an open account to this bureau.      *N  ames  Reported on TransUnion and  XXXX   :  - *  XXXX     XXXX , Last Name *Last Name,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX  Addresses Reported on TransUnion and  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   Employers  Reported  :  - *  XXXX   XXXX   XXXX   Date Reported  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2018-11-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (WY)

We filed a complaint with # XXXX-XXXX in which you closed because the CMG responded to the complaint. Unfourtuenately the orginal complaint was not answered. CMG has still yet to find the payment nor have they responded to the phone calls and written information we have provided. CMG is now asking for copies of cashed money orders fron and back of said money orders. We can not provide these as they were lost after company signed for and picked up from post office. We are working with Ms. XXXX XXXX of XXXX XXXX XXXX, and CMG is also not given her any answers as to where payment is.
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (OR)

Applied for the key bank mortgage loan it took them over three weeks to get me a pre approval letter. Was given the run around from day  one from the loan officer about the status of them processing my info for the loan. Very few and far in-between call backs or email reply 's back if any at all. I had to go down two the branch and had to deal with a branch manager  to get any thing done or a response most of the time. I finally got a pre approval letter email to me. I was never furnished with any criteria for the loan requirements just told verbally that it would work on any house and what the basic criteria was for the lone. So then I start looking for a house after looking at about  10  or more finally put in a offer on one. The buyer accepted the offer so I then notified the bank that they would be receiving the purchase contract. This was on  XXXX / XXXX /  XXXX   the same day my realtor sent the paper work to the bank for underwriting. On the following morning I received a phone call from a guy at key bank saying that they got my paper work and that he needed to talk to me about my loan. So I called him back the same day and he told me that the loan officer did not no longer work for them. Then he told me that my loan would not work for the house I had a offer on that was accepted by the seller. I asked why he told me that I made to much money for the loan and I told him none of this was ever shown to me or disclosed to me. Played stupid about the whole situation and never mad a attempt to actually fix the very big issue other than just try to play it off and offer me a loan at 5 % down when the loan I should have had was 100 % financing- first time home buyers they made no real attempt to fix the issue, poor communication, no responses, and waisting lots of my time and a sellers time on a deal that was never going to happen time spent looking at houses and running around for cashers check for the deal. All to get a phone call that should have never happened all the reasons why I will never do business with key bank nor any  one  in my family. Thanks for the scummy lies, and waisting peoples time.
Consumer complaint received 2017-04-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Prosper Marketplace, Inc. (IL)

In  XXXX    XXXX  , I was contacted by  XXXX   XXXX   XXXX  of  XXXX   XXXX , CO through their  XXXX , AZ office indicating that they were representing   XXXX   XXXX    XXXX  regarding a loan that I had with Prosper Funding, LLC that was purchased by   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX  proceeded to violate multiple sections of the FDCPA and Colorado FDCPA as well as numerous Illinois consumer protection laws regarding debt collectors. Specifically,  XXXX   XXXX   XXXX  called my employer  20 times in one da y and when I did not timely return a message that was left, the collector called every member of the executive management team at my place of employment and left messages on each persons voice mail to contact  XXXX   XXXX   XXXX  regarding a matter concerning me. A message was also left on the HR Mgr. voice mail to call regarding an issue with my payroll. I was threatened with wage garnishment and the debt was disclosed twice to my  Mother  who is not a responsible party to the loan. After numerous emails asking the agency to stop calling me at work and being ignored, I finally submitted a cease and desist request to the owner of the company and threatened to sue them for the FDCPA violations. The matter was referred to the corporate attorney  XXXX   XXXX   XXXX  who subsequently offered me a cash settlement of {$1000.00}. I rejected the settlement offer and requested that the issue of the debt be resolved.  XXXX   XXXX  informed me that  XXXX   XXXX   XXXX  nor he is no longer handling the account and that it has been referred back to   XXXX   XXXX   XXXX   XXXX  ho now owns the account and that legally he nor  XXXX   XXXX   XXXX  can discuss the account with me. I have sent  XXXX  unanswered emails to   XXXX   XXXX   XXXX   in an attempt to find out who is handling the matter in an attempt to address not only  XXXX   XXXX   XXXX  and their abusive collection tactics on behalf of Velocity but the debt and its disposition. No one will respond to me. I contacted  XXXX   XXXX   XXXX  by phone who identifies himself as the Compliance Officer at  XXXX   XXXX ,  XXXX  and he claims that he needs to confirm from  XXXX   XXXX   XXXX  that they are no longer handling the matter before he can discuss it with me. I gave  XXXX   XXXX ,  XXXX  more than 10 days to confirm that and contact me and they have not done so. If   XXXX   XXXX   XXXX   refuses to address the issue of the debt with me and the abusive and illegal collection tactics of their collection agency with me, I believe that the CFPB should intervene on my behalf and also take discipline actions and monetary sanctions against  XXXX  and  XXXX   XXXX   XXXX .
Consumer complaint received 2017-04-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Velocity Portfolio Group (IL)

In   XXXX   XXXX    , I was contacted by  XXXX   XXXX   XXXX  of  XXXX   XXXX , CO through their  XXXX , AZ office indicating that they were representing Velocity Investments, LLC regarding a loan that I had with   XXXX   XXXX   XXXX   that was purchased by Velocity Investments, LLC.  XXXX   XXXX   XXXX  proceeded to violate multiple sections of the FDCPA and Colorado FDCPA as well as numerous Illinois consumer protection laws regarding debt collectors. Specifically,  XXXX   XXXX   XXXX  called my employer  20  times in  one  day and when I did not timely return a message that was left, the collector called every member of the  executive  management team at my place of employment and left messages on each persons voice mail to contact  XXXX   XXXX   XXXX  regarding a matter concerning me. A message was also left on the HR Mgr. voice mail to call regarding an issue with my payroll. I was threatened with wage garnishment and the debt was disclosed twice to my  Mother  who is not a responsible party to the loan. After numerous emails asking the agency to stop calling me at work and being ignored, I finally submitted a cease and desist request to the owner of the company and threatened to sue them for the FDCPA violations. The matter was referred to the corporate attorney Mr.  XXXX   XXXX  who subsequently offered me a cash settlement of {$1000.00}. I rejected the settlement offer and requested that the issue of the debt be resolved. Mr.  XXXX  informed me that  XXXX   XXXX   XXXX  nor he is no longer handling the account and that it has been referred back to Velocity Investments, LLC who now owns the account and that legally he nor  XXXX   XXXX   XXXX  can discuss the account with me. I have sent  3  unanswered emails to Velocity Investments,  LLC in an a ttempt to find out who is handling the matter in an attempt to address not only  XXXX   XXXX   XXXX  and their abusive collection tactics on behalf of Velocity but the debt and its disposition. No one will respond to me. I contacted Mr.  XXXX   XXXX  by phone who identifies himself as the Compliance  Officer  a t Velocity Investments, LLC  and he claims that he needs to confirm from  XXXX   XXXX   XXXX  that they are no longer handling the matter before he can discuss it with me. I gav e Velocity Investments, LLC  more than 10 days to confirm that and contact me and they have not done so. If Velocity Investments, LLC refuses to address the issue of the debt with me and the abusive and illegal collection tactics of their collection agency with me, I believe that the CFPB should intervene on my behalf and also take discipline actions and monetary sanctions against Velocity and  XXXX   XXXX   XXXX .
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (FL)

I purchased  US Bank pr epaid Mastercards #  XXXX  and  XXXX  with initial value of {$200.00} in  XXXX   XXXX .   I opened packages with these cards in  XXXX   XXXX  and discovered that money has already been stolen from these cards in  XXXX  and  XXXX   XXXX ! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I contacted the merchant (  XXXX  ), they found these transactions and said that money have been transferred to a fraudulent  XXXX  account. They suspended that account, but according to  XXXX  they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JH Portfolio Debt Equities, LLC (WI)

An {$1100.00} debt that was charged off  in  XX/XX/XXXX  t hrough  XXXX   XXXX , was purchased by  JH Portfolio Debt Equities  in  XXXX , MO.  JH Portfolio Debt Equities  illegally re aged the account ( reporting as opened in   XX/XX/XXXX  ) and refuses to follow federal laws regarding the accurate and correct reporting of consumer financial information. I have disputed the information with each CRA and  XXXX  deleted the account due to the illegal re aging, however   XXXX   and   XXXX   did not thoroughly investigate the situation and the negative information is set to remain in my credit files well beyond the 7 year mark as a result if illegal re aging.
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My issue is with Bank of America. I have been a consumer with them for a very long time. i have an excellent payment history and no delinquencies on my account. However, I had an recent indecent where they were suppose to dispute  XXXX  charges for me.   The bank first informed me that both charges were disputed, and then couple of weeks after I notice the charges are back on my statement, and the statement charges were more then what my credit line was.   I called the bank i was really upset that they would do this to me even though i was working with the other merchant to take care of that balance. I was very upset i did not get the help I needed nor anybody took my frustration into consideration.   I told them I want to close my account and I will not pay that balance because it was suppose to be disputed in the first place.   Now this is going to affect my credit i called the bank again. they keep giving me the runaround and transferring my calls fro m one r epresentative to another.   I needed to address this issue. I feel the bank did not really do what they were suppose to based on the terms and conditions to protect me as a consumer. Thank You.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (FL)

I opened a new account with Discover since they had a decent interest rate and sign on bonus. 

I made a transfer ( ACH ) from my existing credit union account ( XXXX ) for XXXX and discover received it - several days later I transferred XXXX out to put into another savings account. Ever since the account has been locked I canno ADD nor REMOVE any money from the account. 

I did receive a notice to contact their fraud department which has proven useless. I have called 22 times now and been on hold for up to 3 hours on several occasions. 

I just want my XXXX ( and interest/bonus ) back at this point. I will close this account and my CC account with them as soon as I can get this money returned to me. 

Very scary not being able to access money - GLAD it is not an an emergency need right not I am out XXXX dollars. 

I found online that this apparently is a common occurrence right now- they are doing it to multiple people AND no one answers their phone line.
Consumer complaint received 2022-07-21
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: Self Financial Inc. (MO)

In accordance with the Fair Credit Reporting Act ACCOUNT XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX XXXXXXXX account number XXXX has violated my rights, XXXX XXXX XXXX  ACCOUNT NUMBER XXXX has violated my rights balance for acct is {$350.00}, XXXX XXXX XXXX has violated my rights for acct XXXX Balance XXXX XXXX XXXX  account number XXXX has violated my rights, XXXX XXXX  account number XXXX Balance XXXX XXXXXXXX XXXX has placed multiple accts on on my XXXX XXXXXXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX dollars, XXXX XXXX BANK XXXX account XXXX XXXX has violated my rights balance is {$720.00}, XXXX XXXX XXXX account XXXX XXXX, 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
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: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Equifax and XXXX are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : - ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the Equifax and XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.