davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
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. (GA)

XXXX XXXX is constantly trying to show they are working in good faith as it relates to our case. XXXX XXXX continues to show up. RIDICULOUS! 

I am uploading the last communication received which was XX/XX/XXXX. My spouse returned the call from a XXXX Representative named XXXX on XXXX XX/XX/XXXX. Her XXXX is full. 

In the attached documents you will find a schedule of payments XXXX said we made. We NEVER had an initial Loan with XXXX. This was a part of a XXXX Scheme coordinated by XXXX XXXX closing attorney who staged a fraudulent closing. 

It appears 2 loans were taken out in our name using our info and signature pasted. It was confirmed we did not receive a initial loan in XXXX, Again, how did XXXX XXXX pop up. We financed furniture through them ONLY. We know our information was used to complete applications for a Home Mortgage. I have uploaded the information. 

In addition, we received a scheduled of payments we SUPPOSELY MADE TO XXXX. We never the payments in the referenced attachment. 

This information was created by the submitted Fraudulent 1098 's we submitted to my Attorney XXXX XXXX XXXX who has sold us out OR MY WIFE 'S PREVIOUS XXXX TRUSTEE XXXX XXXX WHO STOLED ALL OF OUR ASSETS..HE DID NOT INVESTIGATE THE FRAUD, It appeared he sent the 1098 's to W/F and they created the Fraud Ledger. WE NEVER HAD A MORTGAGE WITH XXXX XXXX. WE NEVER HAD A MORTGAGE WITH ANY BANK. OUR MONEY., ID AND MORE WERE STOLEN! 

We know there are four additional persons of interest, We will not list the names for now.
Consumer complaint received 2022-07-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Click n' Close, Inc. (HI)

I am having trouble with Mid America Mortgage converting my construction loan to a permanent 30 year mortgage as agreed upon. My construction loan with Mid America Mortgage closed on XX/XX/XXXX, with a locked rate of 3.5 % to convert it into a 30 year mortgage. 

I was initially told by Mid America Mortgage and loan officer that a bond was not needed for the construction of my home. My builder and I expected a draw to commence shortly and construction to start.

After ten days had passed it was determined ( XX/XX/XXXX ) by Mid America Mortgage that a bond was overlooked on this project, so the builder and I had to initiate that process which would take approximately six more weeks and push back the start date, and ultimately the end date of construction. The bond was signed by Mid America Mortgage on XX/XX/XXXX and the first draw was finally released on XX/XX/XXXX with construction beginning immediately. 

Construction was complete in less than 360 days from date 1st draw received. 
XX/XX/XXXX XXXX XXXX of Hawaii XXXX inspection FINAL complete & approved. 

XX/XX/XXXX = inspector from XXXX XXXX XXXX XXXX Mortgage inspects home XX/XX/XXXX - Final draw received by XXXX from XXXX on behalf of Mid America Mortgage I have not heard anything from Mid America Mortgage since XX/XX/XXXX when I received an email mentioning loan conversion to commence XX/XX/XXXX. I replied to that XX/XX/XXXX email asking what the terms of the loan would be but I haven't heard back after many repeated emails. The only correspondence I've gotten is from the initial loan officer via text message saying that Mid America Mortgage said it was going to CURRENT MARKET RATES on my 30 year mortgage because of delays on the project. This is completely ridiculous because the delays were caused by Mid America Mortgage 's poor communication and oversight in requesting a bond with the initial construction loan. I am asking for assistance requesting Mid America Mortgage to honor the locked rate I was given. From the beginning communication with them has been horrible and I have been given the run-around many times. What has made matters worse is that several of the original individuals involved on this transaction are no longer with Mid America Mortgage. Please help!
Consumer complaint received 2022-07-07
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. (MA)

To remove personal information that I dont want want on my credit report. According to the fair credit reporting act 15 usc 1681, I have the right yo privacy, also according to 15 USC 6802, no ganancial institution isnt suppose to share my information to third party companies. 

This are a violation of my federally protected consumer rights.
Consumer complaint received 2024-11-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I received a phone call on XX/XX/year> from Wells Fargo ( fraud and stolen department ). The man on the phone stated there was a wire transfer of {$25000.00} from my account. He informed me my account was compromised and he asked me a couple of questions, verifying the charges on my bank statement to see if it I recognized them. He has all my banking information. He then told me he will close my account and open a new account. I did not think much of it and I later checked my account and {$25000.00} was transferred out of my account unauthorized. When I spoke to the manager at WF branch in XXXX, she indeed confirm the phone number I received the call from is a legitimate/real number from their claim/fraud department. When I asked what sort of protection and security is WF providing to the customers, she really had no answer and responded with all she can do is file a case. 

After waiting for about 10-12 days, Wells Fargo denied/closed my claim with reasoning that they are not responsible for scam/fraudulent. They essentially informed me that it is my responsibility to be aware of these scam phone calls. I had filed a complaint against this decision from the bank. I as a customer put my trust and all my hard earned money with WF, and such tragic event happened and for Wells Fargo to deny my claim is not acceptable. I have heard and read many stories with many customers who experienced the same issue with the same scheming tactic. I need help to resolve this case and get my money back.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2022 I received XXXX letters from Wells Fargo Bank advising me that my savings account had been closed by them due to a garnishment notice. The only reason my checking acct was not touched is because I am on Social Security as my only income and they could not touch it. The garnishment was not even mine, it was my daughter 's and she was not on my savings acct except as beneficiary. I went to XXXX different branches of Wells Fargo for help to no avail, they both said they could not help me, I would have to go through their legal dept. I had a complete meltdown at this point because my savings was my overdraft protection at the bank and even though I had never used it, it was still there and available. I have been a long time customer with Wells Fargo, over 10 years! I finally called my daughter who was at work and when she heard how upset I was and we realized it was something she knew nothing about she got involved to help me. She knew the right place to call and got through to legal dept of Wells Fargo. The lady who helped us took a moment to investigate and found out immediately it was an error that should never have been made. She said she would put the funds back in my savings but when she found out it was closed she said she would have to send a check directly to me, so I no longer have a savings acct and would have to start all over when I do finally receive the check. As I thought about this and how upset I was, how much time it took to resolve, the trips to the bank and the pure stress of having my account closed in addition to my daughter having to take off work to help me, I feel Wells Fargo should offer something to compensate me for the time, worry, anxiety and loss of my savings account. It never should have happened in the first place if whoever took the money from my savings had looked and seen that no one 's name was on that account except mine. They " dropped the ball '' on this one and their employee in the legal dept recognized it immediately which is why she said the check would be issued and the garnishment would be removed from my records.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (SD)

The account is a protective payee account for my son, who receives social security dependent benefits. The account was closed on XX/XX/2022 WITHOUT NOTICE, or ANY COMMUNICATION. I had been in my online banking on XX/XX/XXXX, as I was making transactions in other accounts. There was NO NOTICE on XX/XX/XXXX to indicate there was any problem, nor at ANY TIME PRIOR to the account being closed. 

I was notified by email today, XX/XX/2022 that the account had been closed. I called to remedy. I was told that once an account is closed it can not be reopened. This is a lie. I have relatives that work in banking. I was told by the banker that I was " welcome to APPLY to open another '' such account, which only adds insult to injury. this is very wrong on a variety of levels. 

I am expecting a back pay from Social Security for my son. I have no idea when the deposit will come, and could be as soon as Tuesday, XX/XX/2022. This specific account is the one Social Security uses for my son 's dependent benefits. With the account closed, the payment will be returned to Social Security, and it will be a whole other huge hassle to receive the benefit for my son. 

We reside on a the reservation of a federally recognized tribe, and are all enrolled members of federally recognized XXXX This bank has a history of discriminatory banking practices against XXXX XXXX as evidenced by several lawsuits, including the XXXX XXXXXXXX XXXX  where this bank was held accountable for discriminatory banking practices. These practices continue, including this incident. If I have to, I will file separate complaints for each and every one of them. This particular incident will cause immediate and irreparable harm.
Consumer complaint received 2024-11-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (CA)

On XX/XX/year>, I sent in supporting documentation regarding the request for loan discharge. Also, on XX/XX/year>, I provided the completed application which involved more documentation and even forwarded it to a XXXX XXXX who was a QA for Sallie Mae since she emailed me directly. provided everything. But on XX/XX/XXXX I get a document stating they didnt get No emails or documents sent showing the school promised or guaranteed employment when in fact that is a lie because its titled " Failure to provide promised educational resources Page 9 '' which if they looked at it stated employment after starting classes. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX department will help assist students in their search for part-time employment while they are enrolled. Students are eligible for career services assistance beginning their first day of classes. '' Which is a misconduct because the school never provides it and after providing the proof Sallie mae refuses to budge.And as today I am currently at XXXX debt.
Consumer complaint received 2022-08-27
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 — Their investigation did not fix an error on your report
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I mailed my payment for the month of XXXX, 2022 and my payment was returned from the Post Office as ( RETURN TO SENDER, NOT DELIVERABLE AS ADDRESSED, UNABLE TO FORWARD ). I never paid attention to the letter as I thought it was some kind of junk mail, but after I realized that my check had not been cashed I immediately realized that it was the payment for my credit card. I immediately made the payment using Bill Pay from my checking account and called my credit card company ( Union Bank ) to report the problem. I explained the scenario to them and requested that they remove the 30 day late reporting from my credit report. I also offered to send them the returned mail from the post office but they assured me that they would remove the negative reading from my account. I called them back in a few days and they told me that they had already sent me the letter verifying the removal of the late payment. Since I did not want to wait for 30-60 days for the credit reporting agencies to remove the late payment I initiated a credit bureau dispute with the credit agencies myself. A few days later I got an email that the investigation was complete. As I checked the results I saw that the negative item was still present. I decided to call Union Bank again and this time I was advised that they had never told me that they would remove the late payment reporting and noted down the incident details to pass on to their management.
Consumer complaint received 2022-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CUSTOMERS BANCORP, INC (GA)

on XX/XX/22 I closed my XXXX XXXX creditcard issued by Customers Bank # XXXX. 

I called the next day and sent a private email to make sure this was done as customer service is lacking in this company, the assured me via email it was closed, upon reviewing credit reports this account is showing active, upon disputing this the 3 credit bureaus the results were account is open and active this was updated by Customer Bank on XX/XX/22.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (MI)

I filed a complaint with XXXX XXXX XXXX fraud department, and filed a police report. They sold the account to a third party knowing this was reported as a fraudulent account. I disputed it as fraudulent to XXXX twice, stating to them and showing documents that the name of the person they are looking for is not me and that I have never had service with XXXX XXXX XXXX. Instead of removing the account they added the name the company gave them to my credit report. I since then have disputed that addition and am seeking help from you because I am not and have never had an account with XXXX XXXX XXXX.
Consumer complaint received 2024-11-20
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: CITIBANK, N.A. (AZ)

I purchased XXXX XXXX chargers from XXXX on XX/XX/year> which they were unable to deliver, so I requested a refund. A month later no refund so I called XXXX, and they said it was on its way, week later no refund. so, I filed a dispute with Citi card, XXXX then requested I cancel the dispute to receive my refund which I did. Still no money awarded, called XXXX again and they said they refunded the money because I won the dispute. Now Citi card is saying thou I won the disputed but canceled during the transaction I'm no longer intitled to the XXXX monies. The problem I'm having is why should I not receive the monies awarded to me XXXX sent the money to Citi card, but they will not refund the monies to my account, because I canceled the dispute. Now I'm out these monies and nothing to show for it as well as interest that Citi card is gaining
Consumer complaint received 2024-09-06
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

If I never miss a payment and most of the time pay more than minimum and I stopped using the card, how is it possible that balance increases and interest also grow. rep I talked to could not explained to me, said something that made no sense. Interest is against ( a percentage ) of the balance, so mathematically talking interest charge before a payment should not be bigger that interest charged after payment because balance diminished, Right? I told them I do not want them to authorized any charge, told them to freeze it, so no new charges. Situation continues, I received no statements on paper. If I don't use it and pay always without delay how is it possible that balance grows???????
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (NC)

Dear CFPB Representative, TRUIST BANK charged the Checking account three maintenance fees of {$5.00} each totaling {$15.00} and their letter states the account was overdrawn. When there's a block on the account to avoid overages when funds are insufficient. This account has not had any activity to become overdrawn. 
Despite not receiving any notification of intent to Close this account ; which a Charge-off is considered a write off as a Loss, then Truist Bank imposed a {$30.00} Charge-off fee to the account which is unjustified. TRUIST BANK closed this checking account without initiating arbitration and/or an adequate resolution to resolve this matter before this unforseen action was taken. 
According to the letter from TRUIST BANK dated XX/XX/year>, the account was Closed and Charge-off as a loss, but a 1099-C was not forwarded to me as the IRS views a Charge-off as taxable income that holds me accountable to file taxes this XXXX  tax year.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-11-08
Product: Credit 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: SYNCHRONY FINANCIAL (CA)

Dear PayPal Credit XXXX XXXX, Someone has tried to call again, and I'm in the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I would like to know if this is resolved once and for all. I never even wanted the PayPal credit account and was talked into it, and it has been nothing but trouble and fraud after fraud. The email and bank accounts keep getting altered. I have removed all that information now, so it can no longer be accessed while I rectify this identity theft mess. This PayPal credit balance and account do not currently belong to me. It shows an alnico of {$120000.00}, which needs to be removed, and the total account is closed. I want my regular PayPal account open as I have had it for numerous years and never had trouble with this before.

Thank you for your help and time. 
I have already sent in multiple dispute letters as instructed, and it has been well over 30 days, but it still needs to be handled. I want this resolved and updated without any more delay. This seems wrong. 
Thank you 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 XXXXXXXX XXXX Subject : Re : Subject : Fraudulent Activity on PayPal Credit Account Subject : Report of Fraudulent Activity on PayPal Credit Account To Whom It May Concern , I am writing to report multiple instances of fraudulent activities on my PayPal credit account. Despite my prior request to discontinue the PayPal credit feature while retaining my regular PayPal account, the issue persists.

Due to health concerns and recent medical treatment, I am unable to communicate via telephone, so I am resorting to email for assistance. I have received notifications of unauthorized alterations to my account and have provided the details of these unauthorized transactions below.

Unauthorized access has been gained to my account, resulting in alterations to addresses and unauthorized use of my bank accounts, gift cards, and bank cards through PayPal credit. I urgently request the closure of the PayPal credit account to prevent further unauthorized activities.

I appreciate your prompt attention to this pressing matter and anticipate a swift resolution. While I was previously informed of the account closure, it appears that another account was established and utilized. It seems that an individual is tampering with the account details, alternating between addresses and emails to place orders. Kindly close the PayPal credit feature and clear the balance, as this account and balance do not pertain to me. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-11-20
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. (MO)

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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.