davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2016 I received an email from my local Wells Fargo loan specialist XXXX XXXX stating that he and his manager had called my telephone number and that the person who answered the phone said that I had passed away. This was very concerning to me because I was about to leave out of town for two weeks so I had suspected some identity theft had occurred on my account and that someone was trying to access my funds. I immediately called Wells Fargo customer support to place a full freeze on my account because I had suspected nefarious activity and I also emailed back loan specialist XXXX XXXX to confirm that I was indeed alive and well. 

I am very concerned about what number XXXX XXXX called and if any of my personal details or information was revealed to an unknown individual. I have several loans and a solid business history with Wells Fargo. They have my complete and up-to-date information, including my current telephone number, so I do not understand how and why an employee of Wells Fargo was contacting another individual to talk about my personal account details. Other employees in the past have reached me at my correct number, so there should not be any confusion or misunderstandings. 

I would like Wells Fargo to investigate this issue and give me a full accounting into how this mix up occurred and whether my personal account details have been revealed to another unauthorized individual. I am concerned about the safety of my account and I will keep my account freeze until these concerns are alleviated. If XXXX XXXX called this unknown individual, it is possible that other employees may have as well and could have possibly revealed my confidential details, which is why I am so concerned and I need Wells Fargo to look into this matter. 

Also, is it normal protocol for an employee to email a customer to confirm that they are alive? That seems a little odd to me and I would think that I would be called instead.
Consumer complaint received 2016-04-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

I had applied, and received a loan for a used vehicle from Navy Federal Credit Union. My wife had set up automatic deposit thru work payroll. Our first payment was split between XXXX different pay periods from my wife 's employer. The first half was received before the first initial payment was due. I, unfortunately, did n't realize that the second half, of the first payment, was going to be XXXX day late. 

I then received a notice in the mail about potential late fees and possible implications to my shares in our account. The payment had already been completed. There was n't even a XXXX day time period, before the notice was mailed out. Our credit worthiness is outstanding, and I ca n't believe that this was mailed out so soon.
Consumer complaint received 2016-01-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (GA)

I borrowed {$8000.00} from my former Bank Wells-Fargo to complete XXXX school in XXXX XXXX. I started making payments on the loan six months after graduation ( which was XXXX XXXX ) and even though I have been paying approximately {$93.00} per month since then, the bank applies most of my payments to interests leaving me still owing more than {$8000.00} as at today XXXX, XXXX. At this rate I feel the bank wants to keep me perpetually indebted to them. With a 9.4 % ( manipulated fixed term rate on the loan ), I feel I have been taken advantage of and I want to take the matter to court. I am not trying to get out of paying the loan, I just need to be treated fairly. Please direct me to a legal service in XXXX, Ga that can help me.
Consumer complaint received 2016-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meridian Financial Services, Inc. (MO)

Alleged debt is fraudulent. Owner 's maintenance fees were charged to my wife and me as co-owners and paid in full. My wife and I decided to place the time share into my name alone. The Owner 's Association then apparently decided to charge the same maintenance fee that i had paid with my wife to me as the " new owner. '' This duplicate charge is unconscionable and i will be reporting it to all appropriate Federal and State Agencies.
Consumer complaint received 2016-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

I disputed the inaccurate information regarding the late payments on the student loans listed on my credit bureau report. The investigation by the bureau was updated to reflect the late payment history as accurate from XXXX XXXX, XXXX through XXXX XXXX, XXXX. XXXX, the loan servicer has verified that I was in forbearance during those dates. My account payment history in their system to reflects the forbearance and there are no late payments. XXXX refused to verify the information until after the loan was consolidated a few months ago. I need my payment history to accurately reflect my account with XXXX.
Consumer complaint received 2017-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (IL)

My soon to be X husband has moved to XXXX XXXX XXXX in XXXX Il XXXX, HIS name is XXXX XXXX XXXX XXXX DOB ... XX/XX/XXXX. Please remove any of his information from my household. I have never lived in XXXX nor will I ever. 

I have lived at my current address for 45 years and will continue to live at XXXX XXXX XXXX ( is my current name until divorce ) ( then it will XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Illinois XXXX DOB XX/XX/XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have uploaded and sent letters for proof for account never late and paid in full closed. I have asked for response from companies reporting agent in form of a letter with company header. I have not received anything but items will remain on credit report and the response comes within XXXX. After asking for representative reporting and specific detail of explanation. In written form of a letter bearing the representative signature. 
Bankruptcy was not reported by courts. It's is personal information that was paid for from thrid party. My Bankruptcy was never in XXXX colorado. And I asked as well please remove cause location is filed wrong and called the courts and sent letters in from court explaining they do not report to to any credit bureau. 

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. 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 also # XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, US BANKRUPTCY XXXXXXXX XXXX XXXX  has violated my rights . 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.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX XXXX HAS ME REPORTED TO XXXX & EQUIFAX AS HAVING A NEGATIVE ACCOUNT?? I CLOSED THE CREDIT CARD A COUPLE YEARS BACK DUE TO NOT WANTING TO PAY THE YEARLY FEE. THE NEXT THING I KNOW, THAT REPORTED ME AS HAVING A MISSED PAYMENT WHICH I NEVER DID. AND I GOT IT REMOVED BEFORE. AND NOW IT 'S BACK ON MY CREDIT REPORT AGAIN?!? AND THIS TIME IT HAS 2 MONTHS AS LATE AND THE MONTHS ARE EVEN REPORTING DIFFERENT.?!!? 
AND THEY HAVE BEEN RUNNING INQUIRIES ON ME AND I DONT EVEN HAVE AN ACCOUNT WITH THEM ANYMORE!!!?!? 

THEY CA N'T DO THIS. IT 'S HIGHLY ILLEGAL. AND IM GOING TO SUE AT THIS POINT. THIS IS RIDICULOUS!!
Consumer complaint received 2015-03-25
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Customer : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX California XXXX Tel : XXXX ; E-mail : XXXXXXXXXXXX Complaint Against : CITI BANK,XXXX XXXX XXXX, XXXX XXXX , CA XXXX Tel:XXXX ; Fax:XXXX POC : XXXX XXXX, Bank Manager Claim for refund of the {$180.00} Legal Fees charged to my account, in the year 2012, I believe, when I was away on XXXX XXXX, when the IRS took money from my bank account. The CITI BANK charged me the {$180.00} as " Legal Fees. '' I want refund of the money. I was a customer of the Citi Banlk for several years. The bank should have appreciated that. 
I spoke to the bank manager, he referred me to the District Manager, who never returned my phone calls. 
FDIC should help me recover my money. This is notto treat customers who are serving in the U.S. military. The bank should be appreciative of my situation, and not undue advantage of me.The bank makes a lot of money.The directors make XXXX.So, why take advantage of a poor person?
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Requested deletion of XXXX accounts in which I have letters from the creditors stating it was to be deleted from all credit bureaus. Everyone except Equifax has complied with the request from the creditor. Equifax continues to state the " We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : '' the creditors. I have applied them with the letters, spoken with the creditors, and they stated they have requested this to be removed, and Equifax continues to not do this. The XXXX accounts in dispute is the XXXX XXXX and XXXX. I even requested documentation of what was provided to them on XXXX/XXXX/15 when they verified the accuracy and have not recieved the documentation as of today XXXX/XXXX/15.
Consumer complaint received 2016-03-01
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (IL)

Informed Citibank that the amount owed on a mortgage second that I did not owe the money stated I owed. Spoke with my mortgage company XXXX last month and informed me Citi had written off my second mortgage per my credit report. Received a letter again from after loan was written off as a bad debit by Citi per my XXXX XXXX. Citi is not using abusive collection practices sharing my information with other collection agencies and I am getting letters of collection for this debit that was written off per my XXXX XXXX. This is unfair collection practice and trickery me and ruining my credit. I have no idea what is going on with my social security number. Citi is sharing my personal information without my permission and trying to defraud me.
Consumer complaint received 2017-02-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

Please consider this correspondence to be formal notice that your company has failed to comply with the " Early Intervention '' requirements of Regulation X, i.e. 12 CFR 1024.39 by failing to provide our mutual client with notice of a final date for loss mitigation options. Our mutual client advises that they did not receive the live contact that was required no later than the 36th day of delinquency pursuant to 12 CFR 1024.39 ( a ) and did not receive the written notice of available loss mitigation options required by 12 CFR 1024.39 ( b ).
Consumer complaint received 2015-07-27
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (PA)

I want to open a complaint against the following XXXX department Store there reference account # is XXXX. I have been since the beginning of the year 2015 asking for a SIGNED CONTRACT DATED by me. They have not sent me any information since. I have asked also all three credit reporting firms for proof of this account. I understand that All 3 credit firms can not supply. But I have asked XXXX for valid dated signed proof more than 5 times since the beginning of the year. NOTHING!. All they say is " yes this account is yours '' I go back to them telling them these letters are not enough, I WANT A COPY OF THE CONTRACT WHERE I SIGNED AND DATED PERMISSION TO OPEN THIS ACCOUNT. Please I need help. This is hurting my credit report. I am starting a new clean plate on this issue doing this online with cfpb, I have spent a large amount of money, I have asked everyone for proof. The amount of letters - paper ink wasted on asking these people for valid proof. Please someone in this firm help me ask this company for valid signed proof. If they do n't have my valid signature, then remove this from my credit file immediately.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Under one of the " negatives '' attached to my report they have an entry which says, " oldest account opened too recently ''. 

My oldest account is with XXXX and is XXXX XXXX XXXX. 

Please correct.
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (IA)

I applied for a Citi Double Points credit card earlier this year. I understood that I had set up autopay with my bank account, as I do with every credit card. A couple months later I received an email stating that my " late fees '' had been waived. I called Citi, explained the situation to XXXX different representatives, and understood that my autopay was successfully set up. Last week, I tried to use my card and the card was denied. I checked my statements and discovered that Citi had charged me XXXX separate late fees -- WITH NO NOTICE -- and apparently opted to suspend my card with no notice as well. The representative on their chat interface refused to refund my fees and threatened that I needed to make a payment as soon as possible. 
To be clear : Citi did not send me a letter, or an email, or a text or called me to inform me of any issues with my account. The only correspondence I received were emails saying, simply, " your monthly statement is available online ''. If they had bothered to contact me in any way to say they had n't received payment, I of course would have responded immediately to rectify the situation. Instead, they simply charged a fee, then another fee, then suspended my card. I will contact an attorney friend the week to seek clarification on whether this conduct on Citi 's part is illegal or merely unethical but regardless, a consumer should absolutely have the right to know if there is a problem with his account, and given an opportunity to address the situation, before fees are secretly charged against him. This smacks of a revenue-generating strategy and is undeniably a shady practice unbecoming a national company.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My mother unexpectedly passed away last year leaving matters regarding our home up in the air. I was unable to communicate with her mortgage company until I completed the probate process, this made me I fall into foreclosures hands. I am trying to keep my mothers home, and have requested a modification with Wells Fargo. I was advised that they would work with me, I was told that all I needed to start the review was a form XXXX that I submitted with a checkstub and my XXXX. Now 2 days before my sale date I am being told that they require a full file, I could have sent this to them last week, now I am rushing to get these several documents over to Wells Fargo within a day. This is not right. To make matters worse the person I was advised would open my file is not available to take my calls, every supervisor is in a meeting, just excuse after excuse to refuse to help me and foreclose instead. I am trying to do what is right things have not been easy for me and I thought Wells Fargo understood that- I guess I was wrong, this is the first sale date for my mothers loan and they will not even allow me a couple more days to gather the laundry list of items they requested, I am hoping that I can work something out soon, I do not like to be in this predicament, I work in law enforcement helping people is my job- I was not prepared for this type of mistreatment.
Consumer complaint received 2015-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MD)

I am in receipt of a collection notice from an entity identified only as " ERC '', claiming that I owe USD {$1200.00} to XXXX XXXX XXXX. The notice indicates that, if I return unspecified " equipment '' to XXXX, the return XXXX be used to calculate an unspecified amount of credit toward the debt owed. 

I have never in my adult life -- or even in childhood -- lived in any area served by XXXX XXXX XXXX. I have neither requested nor received any goods or services ( including unspecified " equipment '' ) from XXXX. I have never been nor applied to be a customer of XXXX and I have never used, received, owned, leased, or otherwise knowingly or unknowingly made use of any XXXX services ; including, but not limited to any form of television, Internet or voice service. 

The entity identified as " ERC '' most probably corresponds to this credit enquiry ( information provided by XXXX ) : ENHANCED RECOVERYXXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX On:XXXXThe notice has a return address of XXXX XXXX, XXXX, XXXX XXXX, but advises that written communication should be sent only to ERC, XXXX. XXXX XXXX, XXXX, XXXX XXXX. 

Being in receipt of my credit report, both XXXX and ERC are or should be fully aware that I have never lived in any area where I could have received any services that XXXX is commonly known to provide. 

I can only conclude that, barring gross negligence, XXXX and/or ERC are knowingly engaging in fraudulent debt collection practices. The notice also states that they may knowingly make false statements to national or other credit bureaus representing that I owe a debt to them ; presumably if I do not promptly pay ERC the sum claimed to be owed.
Consumer complaint received 2015-07-31
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (MN)

XXXX XXXX XXXX Account by CCSThis is wife 's debt that I have been handlingCCS agreed to remove a collection account from the credit bureaus if I paid in full. 
I paid in full and it is being reported as a paid collection as of XXXX/XXXX/15 which is not what was agreed to. 

I was called by XXXX XXXX from CCS at XXXX XXXX/XXXX/15. 
He instructed me to call the XXXX Law firm as they had the file and to make payment arrangements with them and then CCS would delete. 

I called XXXX XXXX at XXXX XXXX XXXX/XXXX/15 to discuss payment and was told that they would notify CCS of the payment but did not control what was reported to credit bureaus. 

I called CCS back at XXXX at XXXX XXXX/XXXX/15 ( 11 minute call XXXX to make sure that the agreement was to delete the trade line at the 3 credit bureaus, not just report them as a paid collection. I spoke to the first gentleman who answered the phone ( I do not have his name ) and he finally transferred me to XXXX who assured me that this would be deleted. 

I called the original creditor XXXX at XXXX XXXX at XXXX XXXX/XXXX/15 to verify it was OK to pay law firm. She confirmed and also stated that she would send a letter to CCS requesting deletion from credit bureau also if they wanted it. 

I called XXXX XXXX at XXXX XXXX/XXXX/15 and made payment. 

I received a phone call form XXXX XXXX at XXXX on XXXX/XXXX/15 in regards to an email explaining the incorrect reporting. He told me that after his supervisor listened to the recording on XXXX/XXXX/15 at XXXX that no mention of deleting the trade line after payment in full was discussed. 

I told him to listen to the 2nd call that we had that day at XXXX that I made before paying to make sure of the tradeline deletion. He had his supervisor listen and came back on the line and said it would be deleted and that there was some mistake. 

Filed BBB complaint XXXX. They responded XXXX that they submitted for deletion on XXXX but we have no control over CRA timetable for updating. 

I rejected their response and requested confirmation numbers for the deletion request.. 

They responded XXXX saying they will resubmit but we have no control over CRA timetable. No confirmation numbers given like I asked. 

As of XXXX it has not been deleted as agreed.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I retain a copy of my credit report from my free annual credit report and I seen an account on it that wasnt mine I was in the process of buying a home for me and my family its causing me great XXXX  because I cant obtain a home for me and my family