davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo refuses to respond to my previous complaint, which was number XXXX. The complaint was sent to Wells Fargo on XX/XX/XXXX. Currently, there is an auction date of XX/XX/XXXX, and Wells Fargo has not responded to my attorney 's calls. We have been attempting to resolve the pending issue regarding the loan modification approval. I have submitted all documents that Wells Fargo has requested in order to move forward with assuming the existing loan on the subject property ; however, Wells Fargo refuses to cooperate to resolve the issue regarding the approval of the loan modification. Furthermore, Wells Fargo has specified that they do not have to communicate with any of their clients whatsoever. We have been trying to negotiate with Wells Fargo, before they file bankruptcy, and leave their clients in limbo. We are ready to begin making mortgage payments in order to settle the debt on the subject property, but Wells Fargo appears to be very stubborn. The California Attorney General 's office needs to continue investigating this fraudulent and unethical company that has been continuously taking advantage of homeowners. My family and I are ready to resolve this issue, and Wells Fargo needs to negotiate in order to settle this dispute. Finally, there is no unauthorized third party regarding this pending matter. Wells Fargo needs to stop creating fantasies, and deal with this dispute in a sound and reasonable capacity.
Consumer complaint received 2023-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

We entered into an Agreement with XXXX XXXX in XX/XX/XXXX for a new roof and solar system. The project was supposed to be 3-6 months and we are at 9 months now with no completion. They damaged our house on roof install and will not fix despite having a warranty. The solar panels are non operational as of XX/XX/XXXX which they have known since install at XX/XX/XXXX yet they were paid by Dividend finance for a completed project, and we are having to pay the electric bill and pay Dividend the financing of the system that does not work. They have stated they are short staffed and can't fix timely. We are unable to get any other person to speak with us besides who sold us the XXXX system. The finance company does not care if the system works, they stated it is not part of their process to ensure it functions prior to payment. We have attempted for months to resolve with XXXX  with no success. I am afraid if we don't pay the loan for a lemon system and a servicer who is in breach of their servicing agreement my kids and I will lose our house. I feel like we were completely taken advantage of and misled by their products and services. They stated to us that they are going through transitions and have staffing issues, but I feel we have no recourse, and no one cares that they are misleading consumers and not fulfilling their end of the contract. I am looking to trying to obtain legal help but this company is fraudulent and using misleading and outright lies about their products. Other consumers should avoid them at all costs. I have months of emails of us trying to resolve issues to no avail. Below is the cert and licensing numbers Cert # : XXXX Cert # : XXXX Cert # : XXXX HIC # XXXX
Consumer complaint received 2023-07-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Peter Roberts & Associates, Inc. (MA)

I received a letter on the XXXX of XX/XX/2023 from Peter Roberts & Associates , Inc stating that I owed {$380.00}. 

The letter states I have 10 days to comply or they will alert the credit bureaus of my failure to pay for medical bills from XXXX XXXX, which is my insurance. 

There has been NO breakdown of charges, I went out to XXXX XXXX and logged in and saw no bill for the amount referenced. Unless they ( collections XXXX XXXX ) SEND me a breakdown of charges, I cant pay it because I have no idea what Im paying for. 

They have my address, why cant they send me a breakdown? This is so ridiculous, theyre trying to ruin my near perfect credit score! Send me a bill BEFORE reporting to creditors!!
Consumer complaint received 2023-07-26
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-10-20
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: Fidelity National Information Services, Inc. (FNIS) (FL)

The inquirer name is XXXX XXXX XXXX. the date it happened was XX/XX/2017. It was reported to XXXX and ChexSystems. I disputed it with ChexSystems and they refuse to removed it.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC (LA)

On XX/XX/2023 I XXXX XXXX contacted BMG money about an account thats currently reporting charge office in XXXX of 2023 but the company received a payment from me which I agree and so does the rep that called me back, besides this i dealt with a ugly representative who were beyond unprofessional in his customer service career. well after letting them know how i was treated with the customer service representative of course they escalated my call and someone by the name of XXXX called me back, after speaking with him and repeating myself for the 3rd time he gets all my information and calls me back again, instantly i can here in XXXX voice how hes upset im not sure if its was pertaining to the calls he had to go listen to or maybe it was a friend of his that took my call, But XXXX stated you talking to me not them, I said so youre upset because you find the finding of how your representative spoke to me, he said no thats not the reason. I do hope XXXX and the other Gentleman i spoke to is not treating all customers this way if so i suggest something be done about it
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a stellar credit report for 30 years but recently my open debt mounted. Suddenly XXXX XXXX and other credit cards cancelled credit card accounts that were in some cases 30 years old and were not delinquent. My complaint is that I paid off these debts as soon as I could and in complete within a month or two of these cards closure. Now they show as settled accounts. But settled accounts implies I paid less than what I owed or I used an agency to negotiate on my behalf. I actually have always paid my debts in full. I do not want any credit agency to reflect that I do not pay my debt and I want to correct the record. I am an upstanding citizen and my wife and I are XXXX. Please help correct my credit reports.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

on XX/XX/2023 I submitted a dispute with credit reporting agencies to resolve issues of inaccurate information on my report that I asked to be removed. in recent days following that i started to study Section 604 15 U.S. CODE 1681 B, as well as Section 605 A,15 U.S. CODE 1681 C-1 and Section 605 B 15 U.S. CODE 1681 C-2, which to my best understanding explains consumer rights being violated by the reporting companies. because these companies use automated systems which utilizes automated responses there is no human communication. therefore the exchange needed for the purpose of consent and authentication is nonexistent. there is supportive case law in each of the formentioned U.S. laws. I certainly didn't have communications with neither parties prior to this information being reported. therefore i believe my rights as a consumer has been violated.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (NJ)

on XX/XX/2023 I submitted a dispute with credit reporting agencies to resolve issues of inaccurate information on my report that I asked to be removed. in recent days following that i started to study Section 604 15 U.S. CODE 1681 B, as well as Section 605 A,15 U.S. CODE 1681 C-1 and Section 605 B 15 U.S. CODE 1681 C-2, which to my best understanding explains consumer rights being violated by the reporting companies. because these companies use automated systems which utilizes automated responses there is no human communication. therefore the exchange needed for the purpose of consent and authentication is nonexistent. there is supportive case law in each of the formentioned U.S. laws. I certainly didn't have communications with neither parties prior to this information being reported. therefore i believe my rights as a consumer has been violated.
Consumer complaint received 2018-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I submitted a complaint on the actual day and time when it happened because I never left the ATM machine .The person from the company on the XXXX number told me I did not need a confirmation number or a complaint number. If any thing he has my name he submitted the claim he has my account number.I went into the bank to retrieve my card and show them the receipts from the error at their ATM machine with my cash and they said they had no record of such claims .I HAVE RECEIPTS, IT HAPPENED AT BRANCH BANK NOT RANDOM ATM.
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Moore Legal Group, LLC (NJ)

Three days ago I had a follow up call in response to a complaint from whom I thought was customer service at XXXX. I was hearing from a XXXX that is as far as I could hear from his mouth as he was speaking incredibly fast. I had beyond this point verbally complained prior to the CFPB complaint about a draft that was supposed be skipped as per my right because I could not afford the amount that month into the program. I was promised to get my money back but after two weeks of waiting I wound up getting this call from XXXX and unbeknownst to me I had no idea this had to do with the CFPB complaint so now I am forwarding an initial complaint on how XXXX handled this and frauded me again to manipulate me into thinking he was someone from Customer Service and manipulated me to sign an agreement of a refund of just the initial draft amount when it was XXXX separate complaints. They keep saying it has been responded to but no one reached out to me. I need governmental help this is a scammer and the business needs to be investigated and looked into further. I am telling you their practices are not okay. Taking advantage of innocent people, tricking them, not saying who they are upfront and manipulative. I am so scared. My resolution again is my XXXX payments made of {$280.00} into the debt settlement program for work that was not done and me having to settle my debt with the courts myself. They did not promise or represent me or handle any of my debts and customer service assured me they would. I have so many complaints by now and documentation of me having conversations with them through their own company promising me so many things that NEVER happened.
Consumer complaint received 2023-07-26
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. (VA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: STERLING JEWELERS, INC. (NV)

I have a closed account showing on my credit report from XXXX XXXX that is NOT accurate. Says I opened the account in XX/XX/XXXX which I did not do. The only time I had a XXXXXXXX XXXX account was in XXXX when I was young and stupid and messed up my credit because of delinquent payment history so if I were to apply for another account, I'd be denied anyway. When I checked my credit report 2 years ago, it showed an exact duplicate account for XXXX XXXX in the amount of {$1000.00} owed. I have had contact with the company who bought that account and it was removed from my credit report. {$1000.00} was NEVER my credit limit. I do not understand what is going on or why this is happening but this information should NOT be on my credit report and I have tried to dispute this case many times and nothing is changing. If this error is not corrected and this account is not removed from my credit report within 30 days of this dispute, I will sue XXXX XXXX under the FCRA.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

I have several problems here with a company called Chime there was a scam or hack on my chime account from other company called XXXX XXXX. 
which is left me with no money for 7 to 10 days they refused to send me a card after they canceled my card I wanted the card overnight and they said that it would take 7 to 10 days to get my chime card and mean while I'm suffering because I can't use any money that's in my account and the money is quite substantial.

cooperative they won't give me in a card overnight and I need this in order to survive I have no funds to survive for over a week.

see how this can happen or let or let chime let this happen or cash app with this happen cuz it seemed like it happened overnight I think it was through the through the morning every every 2 minutes either 49 or {$99.00} was taken out of my chime account from cash app I don't even have an active cash app I've complained to cash up about the same problem and giving them the transactions that that I have seen in my my transaction account from chime it seemed it happened from last night to all morning every 2 minutes money was taken out of my account from chime.

so if the substantial amount that was taken out {$100.00} says from the something State Fair.

I need this card so that I can survive it's the only count I have I'm on a fixed income on social Security I'm retired I need this money in my account so I can eat pay for gas pay for bills I have no other way to do anything except for this chime account.

I need this chime card sent to me as soon as possible... 
right now the date is XX/XX/XXXX so this was to happen started to happen sometime early in the morning like XXXX in the morning I think it was through the night somebody's taking {$50.00} every XXXX minutes out of my time account from cash app I gave cash app the transactions and I've already have given the information to chime and complained I need a card overnighter to me so I can pay my bills and eat and get gas. is an awful way to treat customers how am I supposed to to pay bills when you have no access to your money and chime is not helping me they're saying XXXX to 10 days to get a card and I can't wait XXXX days I'm not going to be able to survive 7 days without no money.
Consumer complaint received 2023-07-25
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: Commonwealth Financial Systems, Inc. (TX)

This collection agency is violating my rights. This account is a complete violation of the no surprise act 2022. Delete immediately. My privacy is protected under HIPPA laws. If you fail to remove litigation will follow. I have a medical bill that an out of network provider is charging me without my prior authorization.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (IL)

I responded to an offer from associated bank  for {$200.00} bonus after spending {$1000.00} within the first 120 days of opening, i fulfilled the requirements by ordering a commemerative coin from the U. S. Mint, the bonus was denied by associated bank  claiming the purchase was not eligible. No where on the offer does it state purchases from the U. S. Mint are ineligible. The person handling the account in XXXX XXXX is XXXX XXXX XXXX When I called her about this she said she would follow up for me. I called the next day and was put on hold and XXXX never picked up or called me back so i called another associated branch and reached a manager named XXXX XXXX ( his phone number is XXXX ) who said he was going to work on getting my bonus. The next Monday i called him and everything changed. I mentioned to him that XXXX blew me off and he said he would not do that but that is what he did telling me there is nothing he could do etc. I feel i'm entitled to the {$200.00}. Please help me since associated probably will not talk to me anymore.
Consumer complaint received 2023-07-27
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: Diversified Adjustment Service, Inc. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX and XXXX to reinvestigate these account : Account name : Diversified Adjustment Service , IncXXXX XXXX XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2018-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CT)

XXXX froze my mothers account 8 weeks ago. When they initially called their questions made me uncomfortable as they sounded like they could be a scammer so I hung up. 2 weeks later I received a letter about it and called them. Our financial and tax advisors helped me submit what was requested and after 3 weeks they contacted me for additional info but also I had to resubmit documents I had already sent. After numerous phone calls to find out the status and more resubmissions its now been under review for a week. They have told me that the only way to know if the freeze has been lifted is by calling in. NO notice will be sent to me. 
This is my mothers primary account, she is XXXX and has XXXX and XXXX needs to be paid! They are now bouncing checks and this includes a {$19000.00} payment. I have also asked how they will help fix the problems they have created ( declined payments ) Their answer has been that thats not their problem.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.