davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
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. (MD)

The accounts listed here must be removed. I reported the name of the person that misused my credit to the authorities.I have sent several complaints and these accounts still have not been removed! My name is mixed up with someone else. 

US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX These are duplicate false accounts XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX {$9300.00} Opened XX/XX/XXXX
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Complaint Regarding USAAs Cashiers Check Verification Process To Whom It May Concern, I am submitting this complaint against USAA Federal Savings Bank for their continued failure to resolve problems with their cashiers check verification process. These issues have caused unnecessary stress and prevented me from meeting essential financial obligations. 

The problem began several months ago when I was unable to verify my identity due to an outdated phone number on file. Despite updating my contact information and spending significant time on the phone with USAA representatives, the system repeatedly failed to verify my identity. I even purchased a new phone service to receive verification codes, but the issue persisted. 

I escalated my concerns multiple times, including to USAAs escalation team and a representative from the Office of the CEO, but no resolution was provided. Most recently, this unresolved problem prevented me from accessing funds needed to pay my rent. I was forced to use another financial institution to meet this critical need, further highlighting the failure of USAAs processes. 

As a long-standing customer, I find this level of service unacceptable. USAAs failure to resolve this issue points to systemic flaws in their processes and customer support. This has created significant inconvenience and undermined my trust in their ability to handle essential banking services reliably. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate steps to ensure USAA addresses these deficiencies and implements reliable solutions to prevent similar issues for myself and other customers. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company (CA)

Old financial institution sold loan new company failed to take payments from account set up to pay mortgage. I didn't realize this for approximately two months. Sent them information on account to take payment somehow they say it was wrong account. They said now that I was three months in the rears sent them three months payments to make it right. They applied my payments to principal and not payments to make my account right. Now they say that I am behind one payment can't seem to make them understand that the money that they have taken out of our account should bring account update.
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NC)

Dear Sir or Madam, After months of back and forth with Citi Bank, I was able to verify my identity with the fraud department on XXXX XX/XX/2024. I was told by XXXX XXXX that my account was set for closure and within XXXX days I would receive a check in the mail of the balance in my closed account. I waited patiently and called today, XXXX XX/XX/2024, and spoke to XXXX XXXX. She refused to verify me with my phone number, a number that was issued by XXXX and not a temporary phone number. She asked me some questions and managed to get around the text confirmation. XXXX XXXX told me she has no clue why I was not issued a check and, at first, offered to call me back, but then refused to use my phone number. So, she told me to call back in XXXX hours. If I had not called, I would never had heard anything from Citi Bank. They had told me a month ago they would contact me by letter, but never did.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

i purchased a gaming computer on XXXX that was faulty, i returned it but XXXX didnt refunded me. 

so at this time i lost money and the item i opened a claim with tdbank, and it was denyed saying that i have to send the promise of refund from XXXX. 

now opened the case again, attached return shipping info and the promise of redunf from XXXX case on tdbank is XXXX tdbank also warned me that its the last chance to make the claim right, so i cant miss it because another document is missing. i think that with the proof of item returned and matching dimensions/weight from original shipping its ok
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
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 — Investigation took more than 30 days
Company: IQOR US INC (NY)

They dont even know my last payment date my last payment was XXXX and because XXXX didnt want to answer a question about forgiveness I was told I could get them couldnt a month of payment was missed while going back and forth and then purposely sent the account away then refused to provide detail and then I was threatened by security with XXXX approval on
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was victim of a fraud check that i didn't that it was fraud it happened on XX/XX/XXXX they wanted to an art collab i was happy and they wanted to use me for a painting for their client i said sure why not, they asked for my name and my email they said that they will send in XXXX  dollars in my email account and they want me to put into my bank account so they sent in XXXX XXXX dollars into my email and to send them XXXX in XXXX the money to buy them the art supplies, when it happened my mom came into my room and i was scared to tell her but i told her what's happening and when see saw she informed me that they are fraud checks and told me to quickly call the bank so i did XXXX person picked up and didn't help me didn't even try to help with the issue so i called again i called this lady and she help me a bit she put me into a XXXX  of checks in Bank of America when told what happened the lady on the XXXX  she said that they are fraud checks and if they ask art supplies they are scamming when that call ended i quickly knew i had to go to the bank in person on XX/XX/XXXX, i went to bank of America and they connected me with the lady she informed me that yeah they are scamming and my account was locked so thankful she did say this a good thing the money will erase in a few years but she did say i can make a new bank account but not from bank of America so i was glad to hear that news and i was happy i could make a new account so on XX/XX/XXXX i went to XXXX XXXX and try and make a new account he asked me why did which i told him that a scammer was putting fraud checks into my account i did call bank of America and inform them later on a few minutes go by and help me something that i was so upset about that i need to fix this issue with fraud checks its attached to my social security and when he said that he told me to go back to bank of America and ask them about the issue so i did walk in and i explain the issue with this guy he told me to contact with you guys and to help me with this issue all i have is hope and hoping that this issue can be fixed im going to collage and i dont know if that will cause anything in the long run so please help me.
Consumer complaint received 2024-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

Members of my family are receiving phone calls from someone who states they are trying to get up with me and are given a phone number ( XXXX ) and a case number ( XXXX ). They then relay that to me. I have called the phone number and they claim to be a litigation company acting on behalf of Citi Financial Corporation attempting to collect a debt. I asked them to send Proof of Debt to my e-mail because I have never used Citi for any financial services. What they sent me was a Validation of Debt DocuSign letter. I of course did not sign it. They state by not signing the letter that a Civil Complaint will be filed in my county court. Whoever this is has all of my information ( Full Name, SSN, Address, Date of Birth, and my relatives phone numbers ) I have attached the letter sent to me as my " Proof of Debt ''. But it is not that. 
I redacted my personal identifying information. Once they sent this letter I called the number at the bottom of it. I got connected with the same person I had been talking to if I had called the XXXX number. 

Reasons I feel this is a scam : No matter how many times I have called the number I get the same person. 
I contacted Citi Financial and they have no record of any business with me. 
I contacted the law offices of the name listed on the letter, and they have no information. 
I contacted the Clerk of Court in my county and they have no record of any filings against me. 
And the math on the letter looks to be incorrect.
Consumer complaint received 2024-11-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (CA)

On numerous occasions, I have tried to communicate to the creditor in XXXX, XXXX and XX/XX/XXXX, as well as the reporting agencies that my credit report is showing that I was late on my monthly payment for XXXX, XXXX and XXXX of XXXX. I was coming out of forbearance, and my loan modification contract agreement was adjusted for me to start my first payment on XXXX XXXX, XXXX, per my agreement letter attached. I am requesting that these " late payment '' statements be reviewed as soon as possible and corrected and deleted.
Consumer complaint received 2024-09-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/year>, I purchased an AMEX gift card for {$50.00} XXXX tried using the card online and was unsuccessful, the explanation given on the AMEX gift card transaction website was that the merchant had not asked for the Security Code However, It did ask for it and I filled it out. On XX/XX/year> after having waited and tried completing the purchase multiple times, I called the AMEX XXXX XXXX Customer Service for help. AMEX XXXX XXXX Customer Service stated that their was a problem with the card and offered to close the current one and send a replacement. The card was closed immediately, and I was told it would take XXXX business days for the replacement to arrive. It never came. On XX/XX/year> I called for an update and was told it would actually take XXXX weeks. It still didn't arrive. On XX/XX/year> I called again, this time I was told that the card had been delivered even though I never received it. Customer Service closed that card and said they would send a second replacement card that would also take XXXX weeks to arrive. As of XX/XX/year> it has been XXXX  days since the last call and the the replacement card has not arrived.
Consumer complaint received 2024-11-07
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: ALLY FINANCIAL INC. (CO)

My credit card details have fallen into the hands of fraudsters. Some purchases were made on XXXX, which are not mine. My credit card account had XXXX charges in the beginning : XX/XX/XXXX - XXXX charges of {$73.00} each. XXXX XXXX {$73.00}. XX/XX/XXXX - {$73.00}. I reported this to the bank Ally on XX/XX/XXXX as soon as I discovered it. The card was blocked and a new card was issued. When I received the new card I saw that on XX/XX/XXXX fraudulent charges appeared after I contacted the bank and the account was blocked. The bank employee could not explain how it happened. XX/XX/XXXX : XXXX charges for XXXX $ each and XXXX charges for XXXX $ each. The total amount of fraudulent transactions is {$730.00}. I uploaded a screenshot of my XXXX account to the bank 's website, which shows that I didn't make any purchases in XXXX, and even in XXXX I didn't buy anything. I called the bank several times, but my problem has not been solved yet. I doubt the competence of this bank.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-11-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/year>, I received an email and XXXX {$7600.00} invoice from a trade show company in XXXX for a booth at one of their XXXX XXXX. On XX/XX/year>, I sent a wire transfer to the company and the XXXX account number on the invoice. The wire transfer was sent from my corporate account at Truist Bank. The trade show company claimed that they never received the wire transfer. After receiving the XXXX from Truist, it was discovered that the XX/XX/XXXX email to me from the XXXX XXXX XXXX XXXX  was hacked, and the XXXX account number on the invoice was changed. 

My position is that the receiving bank in XXXX, XXXX XXXX XXXX  was negligent in depositing my wire transfer into an account where the beneficiary 's name did not match the name on the account the money was deposited into. 

I did have Truist issue a recall of the wire transfer to XXXX XXXX XXXX. The response Truist received from XXXX XXXX was : " XXXX. KINDLY NOTE WE ARE UNABLE TO ACT UPON YOUR RECALL REQUEST AS BENEFICIARY ACCOUNT IS CLOSED. WE CLOSE THE CASE. '' My complaint is that Truist did nothing to assist me, their customer, in trying to help me recover the stolen funds beyond issuing the recall.
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 strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

I have had my information stolen and money taking out of my account due to being signed up with Wells Fargo identity protection plan without my permission now I have money lost and cant open account anywhere I was sent a check that is not nearly what I should get from all this
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (HI)

I have an account with XXXX  XXXX XXXX XXXX XXXX. The online banking sends emails every month on my updated credit score via XXXX. 
In XX/XX/XXXX, I saw my credit score went down about XXXX points. So I looked through my credit report and found a credit card that I have no knowledge of. This card is a Wells Fargo revolving flexible spending credit card with a limit of {$5500.00} that was opened on XX/XX/XXXX. At this time, it had a balance of {$1000.00} and was making on time payments monthly. On XX/XX/XXXX, I emailed XXXX for assistance on getting information on this credit card but they could not help me. So I contacted Wells Fargo to get more information on this credit card since it is through their company. I kept getting passed along from different departments. They could not give me any information on the account because my personal info ( name and SSN ) did not match the account. An agent told me to fax and mail a letter attn to Credit Bureau Dispute to show any activity and account information that was listed on my report. I tried to fax but the number was non existent/not working. So I sent a letter. I received a letter back from Wells Fargo basically stating they could not help me. 
In XX/XX/XXXX, I checked my credit score again and saw it went down XXXX points ( XXXX ) because of this same credit card still listed under my credit report. The current balance on this card now exceeds their limit and is at {$7100.00}. 
I called Wells Fargo again to try to get help and more information, but after I gave them my name and SSN, they do not have my personal info in any of their databases so they could not help me and said I need to go through the credit bureaus. 
So, I called XXXX and filed a dispute on this credit card. I also spoke to an agent who said that was all I could do until the dispute was resolved. They said to also file disputes with other credit bureaus ( XXXX and XXXX ) and to freeze my credit. 
On XXXX, I had an AKA name of XXXX XXXX XXXX and a phone number of ( XXXX ) XXXX. On XXXX, thats associated with my SSN, my name was listed as XXXX XXXX. The address was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. And XXXX was XX/XX/XXXXXXXX 
On XX/XX/XXXX, I got dispute results back from XXXX, which they decided the investigation results were accurate, which I disagree with. So they advised that I start a report through this CFPB portal.
Consumer complaint received 2024-10-29
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. (SC)

On numerous occasions, I have expressed to TransUnion of their violations of XXXX. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next XXXX  days, I will file a suit and will follow up with an Invoice of Each Violation.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT.
Consumer complaint received 2024-11-01
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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