davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

Citibank would not accept a cash deposit of {$1000.00} on XXXX XXXX, 2017 to my sisters account in spite of my having her deposit slip with her account. She has been hospitalized the last 4 months. I was advised they do not accept cash deposit if depositor does not have an account with the bank. I was told to get a money order to accomplish the deposit.
Consumer complaint received 2017-12-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (VA)

I took out a {$4000.00} loan from Mariner Finance on XX/XX/2017. Upon paying my first monthly payment of {$170.00}. Only {$50.00} was credited to my balance. I called and asked why. I spoke to XXXX at the office who is the Asst, Manager, he told me that I have a Per Diem of {$4.00} per day. Then Later said my Per Diem was {$4.00} per. I asked him why was n't I informed of this and he stated that that 's how the company works. In total i was told that my loan of {$4000.00} was going to technically be paid dollar for dollar making my total owed to Mariner finance {$8400.00}. 
I was not informed of any of this, nor was i informed that I would be paying over {$8000.00} in the long run. 

Lastly, Mariner Finance put a life insurance policy on me and stated that they loaned me {$4500.00}. But the loan was on {$4000.00}.
Consumer complaint received 2017-12-15
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. (FL)

I received a collection letter in the amount of XXXX from XXXX XXXX XXXX. I called XXXX XXXX XXXX and they referred me to XXXX. I spoke to XXXX and sent them the supporting documentation via email @ XXXX and postal mail to XXXX XXXX XXXX XXXX with no response. I then pulled a copy of my credit report and they sent my collection to another XXXX XXXX XXXX XXXX XXXX who has yet to contact me or respond to my supporting documentation. 

The account reported in the amount o f {$530.00} as of XXXX/XXXX/XXXX is NOT MINE. I did not sign the contract. The renter signed the contract and is responsible for the account. Please see the attached lease agreement that also matches the XXXX contract name and contact phone number. 

XXXX XXXX XXXX
Consumer complaint received 2017-12-15
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. (CT)

On XXXX/XXXX/XXXX I called equifax to remove inquires that I did not authorize. I spoke with a US Rep that was handling my request, and was disconnected. I called back, and got another US Rep, and explained to him what happened, and how the previous rep was deleting ui theorized inquires, and could he continue. He told me that he couldnt do it. I then explained that the other rep was in the process Of deleting these unauthorized inquires. However he didnt care. He did not help me with what the other U.S Rep was more willing to do. These inquires are, XXXX XXXX, XXXX XXXX twice, XXXX XXXX , XXXX XXXX, XXXX XXXX twice, XXXX, XXXX XXXX , XXXX XXXX XXXX twice, XXXX XXXX XXXX, department of education. None of these places had my authorization.
Consumer complaint received 2017-12-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

I continue to get a call from Midwest Recovery Systems for a debt regarding a payday loan from XXXX. I have tried to contact the originating company that they claim the debt was from and the company either never was in business or is no longer in business. They have placed this debt on my credit report. It shows on my XXXX once and XXXX twice. They say that I owe {$860.00}. They have not been able to present any original documentation that show I took out this loan and refuse to remove it from my credit report.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Cap One- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX Cap One- XX/XX/XXXX A computer glitch that was XXXX 's problem - not mine - caused my inquiries ( most were fraudulent and unauthorized ) to be deleted. Which they did not remove after I told them they were fraud. I just had paid off my car so why would I purchase another one? XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I explained that these inquiries add a hardship and that my rights were violated by XXXX. Im asking CFPB to help my make XXXX stop victimizing me.
Consumer complaint received 2017-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AK)

We filed a complaint with the CFPB in regards to our mortgage that we having been trying to refinance out of. We are told by the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that the deed Wells Fargo Financial recorded against the home was never approved.
Consumer complaint received 2017-12-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (NC)

I have a XXXX XXXX XXXX financed with XXXX XXXX XXXX. I applied for a two month deferment for the months of XXXX and XXXX XXXX. The deferment was approved for those two months and the payments were added to the end of the loan. However, my credit report was not updated to reflect the deferred payments. XXXX are currently reporting Inaccurate information to XXXX, XXXX and XXXX. They are reporting XXXX and XXXX XXXX as 60 days late. Those two months were approve for deferment. 
I applied again for another two month deferment for the months of XXXX and XXXX XXXX. I was approve for that two month deferment. XXXX XXXX is reporting Inaccurately to XXXX, XXXX and XXXX they are reporting my account 60 days late for XXXX and XXXX XXXX. My credit report XXXX, XXXX and XXXX has not been updated to reflected those months of deferments. I want these 60 days lates removed from all three of my credit reports. My account became current due to the deferments that I was approved for. XXXX and XXXX XXXX XXXX and XXXX XXXX. Inaccurately reporting these months 60 days late and need to be updated as current for the deferment time. Delete this negative reporting from my XXXX, XXXX and XXXX.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (FL)

I am writing to follow up on my dispute regarding an account with Wells Fargo Credit Services. Despite multiple dispute submissions, Wells Fargo has failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements, particularly the 30-day response window, and continues to send correspondence to the wrong address despite my repeated corrections. Key Issues : 1. **Failure to Comply with 30-Day Dispute Response Requirement** : Wells Fargo has **failed to respond within the legally required 30 days** to my disputes on multiple occasions. I have submitted dispute letters on : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each time, Wells Fargo has either failed to respond within the allotted time frame or provided incomplete or insufficient documentation that does not meet the FCRAs debt verification requirements. 2. **Use of Incorrect Address Despite Multiple Corrections** : In each of my dispute letters, I provided my correct address enclosed a copy of my drivers license, and a current electric bill to verify this information. Despite this, Wells Fargo continues to send all correspondence, including their conclusion letters that they uploaded to cfpb website on XX/XX/year>, to my previous address. Even the letter they uploaded to this dispute is still using my old address when clearly cfpb also provided them my current address. 

As a current account holder with Wells Fargo, they already have access to my updated address information. The continued use of my old address despite having all the correct documentation feels fraudulent, as if Wells Fargo does not want me to receive the responses to my disputes. This deliberate mishandling of my disputes is not only frustrating, but also appears to be a violation of my rights under the FCRA. Request for Action : Given that Wells Fargo has failed to respond within the required time frame **four times** and continues to use an incorrect address, I request that this account be removed from my credit report immediately. Their repeated non-compliance and apparent mishandling of my disputes warrant this action. Additionally, I would like to remind you that under the FCRA, consumers are entitled to statutory damages of up to {$1000.00} for such violations. I respectfully request that this be taken into consideration when addressing Wells Fargos persistent non-compliance. Thank you for your time and attention. I look forward to a prompt resolution. Sincerely, XXXX XXXX
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COAST PROFESSIONAL INC (FL)

I attended the UNIVERSITY XXXX XXXX XXXX at the beginning of the school year, but had to withdraw due to medical issues. XXXX places a debt in my name to the collection agency COAST PROFESSIONAL INC. COAST PROFESSIONAL INC placed the debt on my credit reports.After reviewing and getting to the bottom of everything the school figured that I do not owe the fees that are on my reports and contacted COAST PROFESSIONAL telling hem to cancel the account due to a medical withdrawal and XXXX balance. However COAST PROFESSIONAL have yet to remove it. tried contacting this company but have been getting the run around and told different things. They said that they cant get me any info as to whether they have contacted the credit bureaus or not. They stated that they were indeed contacted by the school, but need to verify more info. Im not sure what more they need to verify if the school gave them the info that they need to have it taken off of my credit files. They also said that the account is closed with them but yet to remove the info off of my report.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year>, while on vacation in XXXX XXXX, my wallet was stolen from my purse inside the wallet was a Wells Fargo debit card, my sons Wells Fargo credit card and other items that One would typically keep in a wallet. Upon realizing that the card was gone, Wells Fargo was immediately notified that the card had been stolen. The charges were denied by me ate particularly disturbing because theres a series of charges for a jewelry store for {$10.00}. In addition, whoever took the wallet use my sons credit card Wells Fargo credit card at the same jewelry store. The following day that card was immediately canceled as well. Well but the charges still got pushed through by Wells Fargo. Theres about XXXX of them which shouldve alerted Wells Fargo that there was a problem with the card. I have tried two times, to submit a claim they did close the card and send a new card. However they continue to deny the claim they say that we used a person authorized by us. I believe the problem had to do with a debit withdrawal but Im sure youre aware that fraud is very sophisticated these days and people have ways to use a debit or credit card at an ATM, I really need help with Wells Fargo regarding this because in good faith I notified them immediately. I dont know how they contacted people in XXXX or if they even did I think they are just denying the claim. Ive been a loyal Wells Fargo customer for years and they are not giving the support that they should give. I even told them if they had a problem with the debit card withdrawals to remove those and just reimburse us for the other purchases which we did not make but they continue to deny the charge please help.
Consumer complaint received 2024-10-17
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-12-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (PA)

This morning I attempted to access my money market account to authorize a transfer for a future date. My money market is with " XXXX '' - formerly XXXX XXXX formerly XXXX XXXX XXXX My regular log in no longer works, I requested a new pincode to be sent to my email. After 10 minutes I called the number to get a reset. I spoke with a representative on a recorded line who instructed me to clean my cookies- this did n't work. I was then instructed to change my browser- this did n't work either. The representative told me that since this was the first week, there were a few bugs in the system as they launched the XXXX brand. 

I spoke with a supervisor, who apologized, but could n't resolve the issue. He said I could make transfer with telephone banking. This is not acceptable. 

I checked my email a few moments ago and received a pincode sent at XXXX this pincode expired within 15 minutes. 

This bank is making it impossible to access my funds. They should not be allowed to launch an inoperable system. 

I do n't have high expectations for Goldman Sachs and their shoddy and shady XXXX XXXX practices -- their inability to change a system that worked fine to " rebrand '' and thereby making it challenging for consumer to access funds, goes beyond the pail.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (CT)

I wrote back in XX/XX/XXXX how specialize loan servicing kept my payments going up and up so I did a modification and it lower my payments and my agreement was to pay 3 months of the modified amount on time .... I did that ... on my credit report it shows a LATE PAYMENT I WAS NEVER LATE PAYING THE AGREEMENT ... I called them they stated since I was in modification and did n't pay the FULL amount they reported it as late. Is that fair? why do this company get away with ruining ppl lives. I was one time each month. can this really report false information? can you please look into this cause that is false I paid each month now my credit report showing for 3 months I was late please help me get this restored cause they need to change the wording on this I was on time not late
Consumer complaint received 2017-12-14
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: FIRST ADVANTAGE CORPORATION (AL)

My husband informed me that XXXX XXXX - XXXX verbally denied his application for rental with their property management company because of the reporting of an adverse account on my credit report. I never received any written notification of this decision ; but subsequently requested a copy of my credit report to investigate this issue. 

I never took any action to apply for rental from this company, nor did I at any time give verbal nor written consent to this entity to perform a credit history inquiry on me using my social security number. 

Further, I made an in person visit to the XXXX XXXX rental office and requested a copy of the application that my husband filled out. I was advised by both XXXX XXXX and XXXX XXXXXXXX XXXX that they have no such application on file under my social security number or name.
Consumer complaint received 2017-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently the copy of my credit report sent to me by your company and found that you are reporting the below account ( s ) as valid debts when they are in fact out of statue and they are past the 10 year reporting time as allowed under the Fair Credit Reporting Act for closed positive accounts. The reporting of these accounts are suppressing my debt to income ratio and preventing me from obtaining a montage.
Consumer complaint received 2017-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PROSPERITY BANCSHARES, INC. (TX)

My husband refinanced our home & property with Prosperity Bank - it is handled out of their XXXX, Texas office. During the refinance process, I was left off the paperwork - therefore I have no responsibility or authority with any aspect of this loan. 

Three years ago, we fell into financial problems & were behind on the mortgage, but it was caught-up & has been current for over 18 months - close to 2 years. 

Based on paydays, the loan is paid on the XXXX of every month & Prosperity has been aware of this for 2 years - nothing has changed. However, there is a gentleman with the bank, XXXX XXXX, who calls ME every month - sometimes up to 3 times a day. He has my husband 's phone number as a contact & I was added as an emergency contact only. 

I can not get any information about the loan, I can not make any arrangements ( if it were necessary ), I have literally zero ability to handle any aspect of this loan or the property, because I am not on the loan. But ... every month, I will start receiving harassing phone calls about the loan. Every month, XXXX XXXX is told the same thing : the loan will be paid on or before the XXXX & do not call me again. He has been told this for at least 2 years - but he still calls & harasses me every month. 

My husband no longer lives with me & travels 100 % of the time. Again, because of the refinance, I have no authority over the loan or the property. XXXX XXXX is very aware of this because he has refused to provide me with information about the loan in the past. 

Every month I tell him to stop calling me, as this is not my loan - not my mortgage - not my account, but he never stops. Last month he called me 3 times in one day, on both my home & cell phones. He 's started the harassing again today for the XXXX payment. 

I know that the mortgage is current & all late fees are paid each month. There is no reason for this man to continue calling & harassing me every month. This is not my loan or my responsibility.
Consumer complaint received 2024-10-17
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX ACCOUNT # XXXX BALANCE : {$360.00} XXXX XXXX XXXX  ACCOUNT # XXXX  BALANCE : {$11000.00} XXXX - ACCOUNT # XXXX  BALANCE : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX BALANCE : {$390.00} XXXX XXXX ACCOUNT # XXXX {$500.00} XXXX ACCOUNT # XXXX BALANCE : {$120.00} XXXX XXXX  ACCOUNT # XXXX BALANCE : {$230.00} XXXX XXXX XXXX ACCOUNT # XXXX BALANCE : {$160.00} Inquiry - XXXX XXXX Inquiry - XXXX These accounts have resulted in several hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that are being maintained by you. I do not recognize the aforementioned accounts, and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report that are being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that XXXX had experienced a data breach and information was compromised. On XX/XX/XXXX and XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX and several XXXX XXXX and XXXX inquiries were located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX, XXXX XXXX, and XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit cannot be pulled without my authorization and that has not happened. If you take a look at my record these derogatory items keep appearing on my credit report. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.