davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX Bank XXXX, or XXXX XXXX Bank, began charging extra interest fees without notice this month. They also began reporting false balances on my credit report in order to bring down my XXXX XXXX intentionally. My card and bills would be paid XXXX times per billing cycle. I overpaid so they could never say I was underpaid. So they began lying on my report and reporting that I was {$1.00} and times XXXX $ over my account balance when I was nowhere near the level they reported to the credit bureau. The credit flag, flagged the bank as fraudulent and they retaliated against me for filing a cfpb report on them for fraudulent activity and fees on my card. They suspended my account for no reason and then made me mail in my dispute for the {$3.00} fraud fees with a notarized receipt instead of doing it by phone or online. They kept saying you reported us to the cfpb like they were retaliating against me.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OR)

OnXX/XX/XXXX Equifax received and signed for, my 1st letter disputing inaccurate reporting of a state tax lien on my credit report.That Tax lien acct # is XXXX They sent me a letter saying my request was validated. On XX/XX/XXXX Equifax received my 2nd letter, again disputing innaccurate reporting of said tax lien. As of this typing, I have already sent a dispute through CFPB, and Equifax stated they removed tax lien acct # XXXX, however it is still appearing on my credit report.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please update the balances on these accounts as they have all been paid in full. 

XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXXXXXX
Consumer complaint received 2017-09-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NC)

XXXX XXXX, Vice President with Caliber Home Loans response to CFPB # XXXX is that Caliber Home Loans have not violated any servicing guidelines on my loan. Caliber also claims that Caliber has already provided me with supporting documentation and/or  clarification relating to XXXX XXXX. When in fact all of the supporting documentation that I have received from Caliber to date supports that she was/is an employee of XXXX XXXX XXXX XXXX. aka Caliber Home Loans and/or XXXX XXXX XXXX. To date I have received no supporting documentation that XXXX XXXX had power to execute on behalf of XXXX XXXX XXXX., XXXX XXXX XXXX of North Carolina or XXXX. Furthermore I do n't have documentation that she had power from Caliber Home Loans either, because she is not listed on nether one on the Certificate Of Incumbency that I have on file for Caliber Home Loans. I only have documentation that she worked for XXXX. XXXX XXXX. I have never been notified by XXXX or XXXX that my servicer changed to XXXX XXXX XXXX XXXX. If Caliber or someone would deeply Investigate th is matter, I am sure we can bring it to a resolution.
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Med-1 Solutions, LLC (FL)

About 4 months ago this company REV 1 Solutions appeared on my credit report I advised rep I do not have a debt neither a contract with this collection agency I requested the collection agent to produce a contract signed for this debt so I can verify as well as requesting this debt be verified and not validated by them as well as requesting a copy of their license to practice in Florida never received anything debt was removed off credit report go to check my report this morning after an alert and this same debt agency is back on there. Please have them send a contract I signed with them for this debt from the creditor as well as them that they are claiming I owe along with a copy of there license to practice in state of Florida I have NO Contract with REV 1 Solutions so please quit trying to collect for a debt I do n't owe as well please cease any credit reporting unless they produce proof of a contract and license to practice
Consumer complaint received 2017-09-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I bought my house with a mortgage loan through Wells Fargo in XX/XX/XXXX. For nearly 12 years I paid my principal and interest payment with Wells and took care of my property taxes and insurance myself. However, Wells decided that they needed to set up an escrow account and without my permission raised my monthly payment from {$2300.00} to over {$3600.00}. This put me in a major hardship ; I am on fixed income ( military pension -- served in the XXXX XXXX ) and due to medical problems I had to take an early XXXX. I was overwhelmed with medical bills and the huge increase by Wells was the straw that broke the camels back. I contacted Wells and made an appeal to eliminate the required escrow account. I was told that while in appeal I could make the regular principal and interest payment. After a couple of months my appeal was denied. I was told that the payments that had been made were not credited to the loan because they were less than the expected payment. Yet another misrepresentation and questionable action by Wells Fargo. I was told that I needed to pay the $ XXXX monthly payment. Even though this is more than half of my monthly income I did my best and made the payment for several months. Then Wells Fargo contacted me and said they would no longer accept this payment from me. I tried to apply for a modification. Wells Fargo said they would open a review, then I was told that they were not going to review me ( no reason given and no decision given ) and that the file was being forwarded to a foreclosure Attorney. 

I know that there are government and internal programs available to assist struggling homeowners in my situation, yet Wells Fargo is denying all access to these programs? They wont even consider me for a modification? What about my years of service to my country in the XXXX? What about the fact that I paid this mortgage on time each and every month for over 12 years or the fact that Wells Fargo received XXXX XXXX dollars in bailout funds? I had to retire early due to medical issues and am saddled with medical bills at this time. Although I receive a generous pension from the military, the current payment Wells Fargo is attempting to shove down my throat is more than half of my monthly income. I know that there are options available such as modification, forbearance agreement, a restructured term or even a repayment plan. However, Wells Fargo has chosen to deny access to all of these programs and informed me that they dont even want to move forward with a review for assistance. This is wrong. Instead of allowing me a chance for these programs they referred my case to a foreclosure attorney. Isnt Wells Fargo required by law to conduct a review of my current and correct financial information to determine if I qualify for assistance options. Instead of following this protocol, Wells Fargo has decided that they are the judge, jury and executioner. This is wrong.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX, I opened a Citizens Access savings account to take advantage of the 4.5 % interest rate they were offering on their website. I initially had some trouble linking my external XXXX savings account and transferring funds from my XXXX account to the Citizens account. When I attempted to transfer {$5000.00} from my XXXX savings to the Citizens Access savings account, the funds did not show up in my account and their was no record of them under the Schduled Transfers tab. I was concerned so I attempted to contact Citizens through their customer support line. I waited on hold for over 30 mins and no one picked up. I decided at that point that I wasnt comfortable banking with an online bank that had unreliable customer service. I felt relieved that the funds had not transferred. 

However, the next day, I noticed that the {$5000.00} had been deducted from my XXXX XXXX. I called Citizens customer support line again and this time waited close to an hour until someone finally answered. She told me that the funds would take 5 business days to clear in the Citizens account. I decided I would wait the 5 days and then, once they had cleared, I would move the funds back to my XXXX XXXX, then close out the Citizens Access account and take my business to a more reliable bank. 

On XX/XX/XXXX, the funds finally cleared on the Citizens Access account and were available for transfer. I transferred the {$5000.00} back to my XXXX XXXX account and immediately got a text message from Citizens saying that the transfer was not being processed and that I should call the number provided. I called the number and waited on hold for someone to pick up. She said that my account was being reviewed. I asked her why and she said that she couldnt provide me with that information. I asked her how long the investigation would take and she said that she couldnt provide me with that information. I asked her how long Citizens could deny me access to my hard earned savings and she said that she couldnt provide me with that information. I asked to speak to her manager and asked her the same questions and got the same response each time. 

On XX/XX/XXXX, I called Citizens again to inquire about the progress that was being made on reviewing my account and she refused to give me any information other than that the account was still under review. Citizens has not asked me any questions to help with the investigation. No one from the bank has attempted to contact me to acquire any information that would assist in reviewing my savings account. No one has provided me with a reason my account is being reviewed or given me a timeline as to when Ill regain access to my own money. 

Is this legal? Can you please assist me in accessing my own money so I can part ways with this unethical bank? Thanks in advance for any assistance you can provide.
Consumer complaint received 2023-07-10
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)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted XXXX XXXX to set up an arrangement for my account. After speaking to multiple people I finally reached the credit department and they agreed to set me up on a payment plan for XXXX a month. I have yet to receive a letter so therefore I called to check the status. I spoke to a young lady that told me that my invoice would reflect XXXX and that is the statement that I would be responsible for. I made the payment of XXXX but they debited my account for XXXX, which the funds for that was not available for. In addition to the unauthorized payment, they place a 30 day late on my credit report. I have never been late paying them in addition, they totally confused me with the debit out of my account. I request to have my payment of XXXX removed and the 30 day late mark removed as well.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-10
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. (MD)

Transunion, is refusing to send me how they verified two accounts on my report stating they have already investigated and have no obligation to reinvestigate. I am aking for how they verified, contracts with my signature etc
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (MA)

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 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I never Lived at XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX and I keep telling the credit reporting agencies that yet they continue to say it's been verified but that's impossible because I never lived there I don't know anyone who lives there and they claim they don't have to show us how it was validated so what else can I do? Can I sue them for all this false information they'er reporting because there is absolutely no proof of me living there because I never did. Also all those treasury items should not be listed because first of all there from my employer paying my medical coverage while I was out of work for XXXX and once I returned they released me so I resigned. Now how can they expect me to pay anything when their the ones who also handling my pesion which took them forever because they retaliated against me because I needed time off.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Address is incorrect should only show and be XXXX address XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX. I have requested removal of all other addresses before and they would be removed only to come back on a short time later!
Consumer complaint received 2023-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

I mistakenly transferred {$800.00} to my grandsons closed Cash App account. I contacted them and was told that there was no way to retrieve that money because I and my bank agreed that I was indeed the sender. That and all Cash App account in his name has been closed and canceled by Cash App and no such account existed at that time. If the money did not go to him, all I'm asking them to do is to please find out where my {$800.00} went to. For me, that's a lot of money to be in the wrong hands and I've uploaded the correspondence that I received back from them. This happened on Friday, XX/XX/XXXX in the afternoon and my grandson and I tried to trace the money but could not. 

Any help you could give me would be so appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX ( home phone ) XXXX email address
Consumer complaint received 2023-07-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Bank credit card is the original creditor and was sold to XXXX XXXX XXXX. Incorrect charges and last fee were made and added to the original account that I disputed with capital one. They never refund/credit the amount unauthorizes chargers made on my account. We were going back and forth until they finally closed the account without my knowledge.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America allowed a fraudulent company to open an account with fake credentials. An employee was either in on it or incredibly negligent. The police office said the credentials were clearly fake. This account was used with a fraudulent website. I was trying to purchase construction equipment from a dealer. Bank of America employee told me that the account was a fellow Bank of America customer and that I could deposit money with a deposit at counter and save the fees. Unfortunately, after I did that they informed me the money could not be stopped and the payment could not be canceled when it was determined to be a fake company. A local police department with none of the resources that Bank of America has immediately determined what was going on. The amount was then allowed to be slowly sent to XXXX using XXXX. Bank of America has no interest in fixing this because they profit from it. When I tried to connect with Bank of America they slow play everything. They have a fake CEO email address circulating on blogs that get forwarded to zoomers who then just give you the run around. They provide the platform and the means for criminal cartels to steal the money in California, and then send it to XXXX, and claim to have no liability in facilitating that.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (FL)

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, XXXX, and Equifax to reinvestigate these accounts : XXXX acct # - XXXX US Dept Ed acct # - XXXX US Dept Ed acct XXXX - XXXX US Dept Ed acct XXXX XXXX XXXX XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX Acct- XXXX XXXX XXXX Acct- XXXX XXXX XXXX XXXX Acct- XXXX XXXX XXXX XXXX XXXX Acct.- XXXX XXXX XXXX XXXX XXXX However , 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 1681i ( 5 ) they are supposed to modify accounts that aren'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 an 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 metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. XXXX XXXX XXXX XXXX. Lastly, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. I need it delete at once.