davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (ID)

My name is XXXX XXXX I am XXXX yrs old. I am a XXXXXXXX XXXX XXXX  XXXX that served XXXX until I was injured on duty. 


I am a married father of XXXX. I am head of household and my income supports our family. 


I received a check from the Department of Treasury, which was a tax refund from 2021 for {$11000.00}. I personally deposited the check inside the Wells Fargo Bank at XXXX XXXX XXXX XXXX. XXXX, ID, XXXX on XXXX. 


The next day I realized they had only release {$5200.00} and were holding the balance ( {$6400.00} ) until XXXX XXXX. 


I called their customer service and coul not get an answer. I made an appointment with Wells Fargo. I did not get an answer They could not tell me why the check was being held. 


My wife XXXX went to the branch later the same day and the branch XXXX XXXX XXXX told her that when the teller ran the check through their system. The machine damaged XXXX of the numbers on the check. Therefore they could not verify the check. This was on XX/XX/XXXX. They told us someone would contact us. They have not as of XX/XX/XXXX. 


If I was holding on to {$6400.00} that did not belong to me, and would not return it. I would be in jail for theft. 


Please help us. We're not rich... it's our money. Is this what this county has become?
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Westlake Services, LLC (TX)

I had a title loan with this company for almost two years. I paid this loan each month and paid it off in full never missing a payment and only having one payment that was ever even late. Once this was paid off they reported to the credit bureas that the loan was paid in full but added two words in the note " redeemed repossesion ''. which was absolutely false. Last year I fought to get this removed and did and now its back. I have filed several disputes but they will not remove this statement.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

During the month of XX/XX/2024, I received a letter from Citi that my revolving credit limit had been lowered to {$4900.00} I received a statement for billing period XX/XX/24 to XX/XX/2024, indicating I had available revolving credit in the amount of {$3.00}, with a minimum payment of {$210.00} due XX/XX/24.

As i get paid on the 1st of each month, I made the payment of {$210.00} due XX/XX/24, on XX/XX/2024.

On XX/XX/2024, i received a telephone message from a Citi representative that my account was overdrawn. 

i called Citi and the representative said my account was overdrawn by, ( I thought she said {$99.00} ) and she asked when could I pay the over limit amount? I told her I had not received a statement indicating any over payment, and the next payment wasn't due until XX/XX/2024 What happened was the company had been lowering my credit limit and knew the available credit was not enough to cover a membership fee of {$99.00} which pushed the account over by {$9.00}. had the fee not been paid, Citi could have closed the account and i would have been left to pay the outstanding amount. instead they processed the account and then reported it over limit on the same day of my conversation on XX/XX/2024 I wrote a letter to the company indicating i thought this was a deceptive process because it violated the terms of the credit card agreement in that any chaanges to terms had to be in writing and giving me the chance to accept or reject the new changes which did not happen in this case. Citi responded with a letter indicating that they had reported to the big three credit card reporting agency that my account balance as of XX/XX/2024 was {$4700.00} No indication of the negative information being removed from the credit reporting agencies. plus in other reporting agencies received information from those 3 agencies, then that information should be removed as well but was not per their letter.
Consumer complaint received 2024-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (FL)

I was entered into a Loan Modification Agreement. As part of this, I agreed to pay a Trial Balance for XXXX months. I overpaid the first month and was told by an agent on the phone that the extra funds would be placed in " suspense account '' and then used for the following month. I was told that come XXXX my balance due would be {$400.00} only rather than {$780.00} due to suspense balance. 

On a phone call with PPH, they indicated a balance of over {$600.00} indicating that money was not applied to previous trial balance payments. 

I have signed the loan modification but they have not given me any proof that I Have entered the program. 

I am concerned that I am not even enrolled. 

They told me that my title search came back with no issues... 

I have signed the agreement to make the modification and sent multiple times. 

please see attached screenshot ... the page shows that a past due payment was due on XXXX XXXX. There is ZERO information about the trail balance payments I have made and how those have been applied. I Have not way to know if I am in good standing, or if I Need to send more money? 

I made XXXX payments on XX/XX/XXXX and XXXX, this is attached as proof. The amount of these payments is enough to cover the first XXXX trial balance payments. 

the latest account balance shows that {$6200.00} is past due. How is this possible when I have been making the Trial Balance payments and exceeding the amount? 

I have attached the original modification letter and proof of my acceptance to this email for the review of the cfpb officer. 

I have attached screenshots to prove that I have sent the loan modification to PHH at least 4 times, and received an acknowledgement email. I have attached screenshot of this to show, one of them shows the signed document in the body of the email. the other one is an acceptance email. 

I am also attaching the early intervention letter that was sent today, that indicates to me that I am not in the modification program, that has triggered this complaint. 

I have also attached the original offer to modify my mortgage.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

I bank with Truist and have for over 35 years I realized on XXXX XXXX that I had a loss of {$25000.00} on my checking account due to mobile transfers .I called the fraud department to report and went to the bank the next day which was monday XX/XX/XXXX, ( total fraud ened up being {$26000.00} ) My Sister will be filling a report with you also, her loss was close to {$25000.00}. 

My sisters name was on my checking account and had been since about XXXX. My sister has a grandaughter ( age XXXX ) who had received about XXXX in a settlement, she had her name added to the checking account her grandaughter opened to monitor the account so she would not blow it. 

So what happened is the grandaughter blew her money, and then processed mobile transfers from my sisters account and when she cleaned her account out, she did the same to my account. 

A claim was filed by the bank on XX/XX/XXXX, and the very next day a letter was issued and sent to my sister which she received about 10 days later .The bank denied the claim saying there was no loss. Neither myself or my sister authorized these transfers. 
The bank manager was the one who filed everthing and put under my sisters name. Then we appealed the decision on XXXX. We waited was told on this takes time, we waited. I called in XXXX, and XXXX still being worked I was told. XXXX I called first part of the month and was told the appeal was denied XX/XX/XXXX and the bank manager was sent a email. I called a few more times to ask why a letter was not sent to say the appeal was denied and why had i been told it was still worked on. No apology, They acted as though i was asking something very unusual, and told it was just an appeal. 
There were never an alerts sent to my sister or myself about unusual activity on our accounts. ( Example 3 transfers done on the same day totaling XXXX ). I recently sent a email to the corporate office who is " looking into it and this will take some time ''. 

I am prosecuting the grandaughter and she admitted to the detective it was her that did all of this. We gave the bank the police report. They seem to think me and my sister just gave a XXXX XXXX XXXX all the money from our checking account. What about the Electronic Funds transfer act, would this apply .Hoping you can give us some direction and appreciate your time Thank You XXXX
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (DC)

I have submitted an application for XXXX through XXXX. I have loans serviced by MOHELA ( XXXX loans ) and Aidvantage ( XXXX loan ). 

MOHELA sent me a letter dated XX/XX/2023 saying I am now in an income-driven repayment ( XXXX ) plan for XXXX of my loans. They say the monthly payment is {$78.00}. That monthly payment relates to a loan I have with XXXX, not with MOHELA. Neither of my monthly MOHELA payments is {$78.00}, nor do they add up to {$78.00}. 

XXXX ) Why is XXXX sending me letters regarding loans they do not service? How did they get that information? 
XXXX ) Are either or both of my MOHELA loans in an income-driven repayment ( XXXX  ) plan? 
XXXX ) Why is MOHELA not communicating with me about the loans I have with them? 

The end of the student loan repayment freeze has been a financial and emotional hardship. MOHELA, XXXX, XXXX, and CFPB have refused/ been unable to communicate clearly or effectively. They are mixing up accounts. Cancel my debt please.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-10-18
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

I had a balance of {$92.00} on my XX/XX/XXXXXXXX  bill. I paid this in full, i mailed the check 5 days prior to the due date although they didn't process it for several days after ( converted to ACH so I can't get a copy of the item from my bank. ) When I saw my XXXX  bill, I tried to call but was unable to reach any one. I did call in XXXX but the person I talked to was very hard to understand, foreign accent. I asked to speak with her supervisor and was placed on hold for over 30 minutes then the phone disconnected. I then sent a message through their web site but did not get a response. On XX/XX/XXXXXXXX  I mailed a letter to the address listed for disputes on the bill and did not get any response. I sent a message on XX/XX/XXXXXXXX  to the customer service section on their website and received message that they would research the issue and in the mean time would not charge late fees or report late payments to the credit reporting agencies. In XXXX, I was trying to shop for new car and homeowners insurance and found out that XXXX is in fact reporting me as late payments. This is the only negative line in my credit report. I now have received a bill from XXXX  showing my balance of {$190.00} which is ALL fees. I have made NO purchases so these are fees in a XXXX  balance.
Consumer complaint received 2024-10-18
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and XXXX XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

Hello I have been sending information to the credit bureaus for a year asking them to please investigate. It is not the first time that I have worked on my credit, in XXXX I fixed it and the process was not as long and tedious as it has been now, I don't know what happened. I have gone to their websites to see if the conditions have changed and I see that they have not, since they are still supposed to respond to me within 60 days.
Consumer complaint received 2023-07-18
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. (CA)

Legal Department, I have submitted dispute on the following fraudulent accounts, and they were returned back to my credit history after being removed per lenders request. The accounts that are being disputed are fraudulent and as of my knowledge according to the facts they shouldnt be reported back. 

The collection accounts listed below are items currently within my credit file, and they are not related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( XXXX ) responsible for creating these accounts : XXXX. Account name and number : XXXX XXXX XXXX Date it was opened : XX/XX/XXXX XXXX. Account name and number : XXXX XXXX Date it was opened : XX/XX/XXXX
Consumer complaint received 2023-05-05
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA (FL)

Tips left at multiple restaurants are not showing up on my Apple Card ( XXXX ). 

I've used the card at 6 or more different restaurants in different cities and provided a tip in each case. The tip does not show up on my bill. The restaurant/waiter is being defrauded likely due to a processing error in the system they use. Other credit cards work fine. 

I've spent hours communicating with Goldman Sachs about this problem with no success. Despite a double escalation, they blame it on the restaurants. Clearly, since it's multiple restaurants this is not the case. They have refused to accept this problem or investigate it. They're innocent, I'm innocent, but the waiter or restaurant is being screwed. 

I'm guessing the problem is with the XXXX processing system, but I really have no idea, it's only a guess.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern I reached out to transunion on multiple occasions to remove information that they are reporting on my credit report The information is inaccurate and/or incomplete information concerning me in consumer reports. Their conduct has caused me distress and financially harmed me with costs and loss of opportunity. The following alleged Public Record they are reporting concerning me is Inaccurate and/or incomplete, and also unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * I contacted the court of Record they listed on my credit file, and they confirmed that they neither provide or verify court records to you nor any other third party. ( See attached letter ) I then contacted XXXX and informed them of their errors in reporting and they responded with a letter deleting any Public Record notations. ( See attached letter ) Therefore, they could not have possibly verified this information, with XXXX XXXX. I request that they delete the alleged Public Record and provide me an updated copy of my consumer file. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that they included in a consumer report that they prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data and reinvestigated it due to my current dispute. Unfortunately, it appears that they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Social Security Number XXXX Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate. 
1. XXXX XXXX XXXX XXXX XXXX Account Number XXXX Reason : Inaccurate and Misleading Showing A Balance Owed With Charge off Status. 
Reason : Debt Sold to Collections. 
Please investigate & delete this account Best Regards, XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FloridaXXXX DOB : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX I am writing to formally request corrections to my credit report as I have identified several inaccuracies that require immediate attention. This is the second time I am submitting this request. If the inaccuracies are not resolved, I will be compelled to pursue all legal avenues available to me, including civil action. 

Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX, XXXX, XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , Florida XXXX Additionally, I request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls.

I would like to remind you that under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as mandated by law.

Moreover, I would like to highlight the following sections of the FCRA : Section 605 : Prohibits the inclusion of outdated information in credit reports. Please ensure any outdated information not meeting the FCRAs timing requirements is removed.

Section 623 : Requires furnishers of information ( creditors and others ) to report accurate information and to verify this information when disputed by the consumer.

I look forward to your prompt response and expect a resolution to these inaccuracies within the stipulated time frame.
Consumer complaint received 2024-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo managed my accounts incorrectly, which resulted in late fees for other consumers. Transactions related to deposits and withdrawals were not processed accurately or in a timely manner, leading to confusion about my account balance. This mismanagement has caused significant issues, including late fees affecting other customers.