davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My information including social security was leaked in the national public data breach. Around XX/XX/year>, my I got an alert that fraudulent credit cards were being opened in my name. Whoever stole my identity also made accounts on Experian, XXXX, XXXX using fraudulent email addresses and phone numbers and addresses. 

By mid XXXX I managed to regain control of all accounts on Experian, XXXX and XXXX.I also managed to successfully dispute all fraudulent entries on my credit report.

However, the identity thief kept trying to gain control of my Experian account to unfreeze the credit and continue opening credit cards. 

I would get notifications of someone requesting my username. The day of the incident I received XXXX such notifications at XXXX XX/XX/year> and XXXX XX/XX/year>. At XXXX that day I receive a text from Experian for XXXX code. I also get an email notification that someone had unfroze my Experian credit. I log onto my Experian account and find someone had turned off XXXX and a fraudulent email address and phone number were inputted. 

The thief never had access to my password, security question or pin. They did not attempt or could not change that information. If my password was compromised then they would have changed the password and security question to lock me completely out of the account. They did manage with change the phone number and email which was enough to get them access to the Experian account. 

I attempt to call Experian customer service number to get this resolved but I only get an automated system that would not route me to a live customer service agent. I ended up calling the fraud dispute department to get them to route me to the correct department who after verifying my information, allowed me to reset the phone number and email. I have since updated my password, username, security questions and pin. 

Despite having XXXX, an uncompromised password, security question and pin, the thief was able to gain access the Experian account with no additional verification.I know this is possible because this is how I initially gained access to my Experian account. The thief created an account in his email and phone but I managed to unintentionally overwrite his info and take control of his account just by creating a new account. I've read online similar stories from up to 2 years ago : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Using only information that is already leaked, people are able to completely bypass all security measures and gain access to my Experian account. After they do, my only option is to react as quickly as possible and attempt to call customer service and have the information removed.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

Good Morning, I filled a dispute on a XXXX transactions to XXXX on my Credit Card and they have choose to close the case saying its more then 6 months. The transaction happened on XXXX/XXXX/16 and was posted to my account on XXXX/XXXX/16. This is for Car Transmission that I got repaired from XXXX and got XXXX year Warranty or XXXX Miles which ever comes first. Its now 6 months and couple of days and only XXXX miles driven and My car transmission again went completely bad on XXXX/XXXX/16 and I made several calls and even visited the XXXX and found out they have closed the business and some other workshop has taken over. I have all proof of all receipts, calls made and photo of the new workshop that has taken over. it has cost me {$3200.00} and over this is truly fraud my car transmission was not made properly and valve body was not replaced with a new one. I have to pay again {$3200.00} to get it repaired. Please I need justice. 
Attached is the XXXX mail I send out to XXXX and they have chosen to close the case saying its more then 6 months. I have filled XXXX more disputes with credit cards that I have used to pay {$3200.00} to XXXX to cover the cost and they are investigating. one of the credit card company has already refunded my money. but XXXX is hard to work with.
Consumer complaint received 2016-06-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a Citigold checking account with promotional code XXXX XXXX. I confirmed with a Citigold rep before opening the account that I was eligible for this offer. Just after opening this account, I confirmed again, and the rep confirmed that I was still eligible for this offer. I was supposed to receive my points by end of XXXX. I opened an investigation with Citi via chat and they said they would launch an investigation into the matter and let me know by XXXX/XXXX/2016. After that when I keep contacting them, they claim that the investigation will take a few days longer. The account has a monthly fee of {$30.00} which I have already gotten charged for ( and will get charged for again ), so I preferably want the miles ASAP.
Consumer complaint received 2016-06-03
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MA)

Home Depot sold me a credit card a couple of years ago by offering an immediate savings on something I bought. I agreed to take a small balance card and took good care of it until a few months ago. I had n't used the card for some time, but when I looked at the bill today, it had a balance of {$75.00}, with the only new charge being a {$37.00} fee. I did not expect to pay {$35.00} per month for a card I use very infrequently, and so I called the XXXX number for account inquiries. I asked how long they had been making these charges. Instead of answering, they made confusing assertions that maybe I had not paid the last {$18.00} on a bill at one point, though they admitted I had no prior problem with the account. So, they said, it was only " fair '' that they charge me {$35.00} per month thereafter. The " escalation desk '' admitted to making multiple charges, but would not admit to the total or adjust the balance except for the most recent charge. After I repeatedly asked, the individual finally admitted to working for CITIBANK. So I will return my card to the Home Depot branch that sold it to me and tell my story. 
This behavior is obscene, and I thought it had been dealt with in the context of recent financial reforms. If you do n't regulate this kind of gouging, what DO you regulate????
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

On XXXX/XXXX/2016 I called Citi at XXXX and spoke to an agent at XXXX EDT who opened up a Citi Gold Checking account for me with the following promotion code : XXXX agent said long as I make {$1000.00} in debit purchases and two consecutive monthly bill pays I would receive XXXX XXXX miles accounts within 90 calendar days from the date when I completed the offer requirements. All the offer requirements were completed on XXXX/XXXX/2016, and 122 calendar days have passed but the XXXX miles have not been added to my Aadvantage account.
Consumer complaint received 2016-11-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (OH)

I do not owe this debt I paid the doctor office, and I told the company that called me the first of XXXX that I do not owe this doctor and not to call me again. The doctor office and me was in disput on the amount owe and was waiting on the insurance company to say what the amount was. Also, the doctor office billed the wrong insurance company when they had the correct information. I paid them on XXXX/XXXX/16 reciept number XXXX. I want this taken off my credit report.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I couldnt believe it when I saw inaccurate accounts appear on my credit report today, and I have no idea whats going on. I check my report often, but suddenly there were mistakes that made no sense. I refreshed the page, thinking maybe it was a glitch, but the wrong information was still there. Because of this, Im asking that the documents Ive provided are carefully reviewed, so I wont have to deal with this ever again.
Consumer complaint received 2016-04-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (AL)

My bank, Wells Fargo Bank , na, added overdraft protection to my checking account. Despite repeated requests to the bank to remove it and decline any overdraft debit purchases, they have continued to allow the transactions to process, and charge me {$35.00} per transaction. They have charged me over {$300.00} in the last 3 weeks since they added the overdraft and failure to remove it.
Consumer complaint received 2016-04-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo now says I am being transferred to another servicer. They are unable to help me and I have not got the money to pay all the amounts they added to my loan when I did n't get a modification because they kept not helping me figure it out. Attached is the letter I got yesterday and I do n't know what to do since Wells Fargo keeps telling CFPB they are working on it. They have never helped me and now I ca n't even think straight because I have not XXXX. I am wanting help and no body can help me. I ca n't take much more of this confusion.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo XXXX XXXX XXXX XXXX XXXX , XXXX CA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX They keep requesting an offer that meets their minimum net value, but they will not tell us what that is, and they are refusing to provide a copy of the XXXX. 

In addition, Wells Fargo has not done an interior value. No one has been to the property to actually look at it. Is this why they are refusing to provide a copy of the XXXX? 

We have seen these XXXX issues on ALL of our short sales on MINORITIES with Wells Fargo. They will NOT do an interior value, and they will NOT provide a copy of the XXXX. We would be happy to provide information on this to the CFPB to add to their case against Wells Fargo. 

We are tired of hearing from Wells Fargo that their legal department does not have to comply with federal and state law. Their legal department said its ok to open XXXX XXXX fake accounts ... and look where that got them.
Consumer complaint received 2016-11-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

I am disputing a transaction ( please see below details ) charge to my checking account. I do n't have a product or service with the company charging my bank account, however, Wells Fargo is closing my dispute, stating I need to deal directly with the merchant. 

XXXX XXXX/XXXX/16 RECURRING PAYMENT AUTHORIZED ON XXXX XXXX XXXX XXXX XXXX CARD XXXX Open Canceled service or merchandise XXXX/XXXX/16 Cancel
Consumer complaint received 2015-07-21
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: WELLS FARGO & COMPANY (MD)

Filed Bankruptcy XXXX/XXXX/2015, Discharge was XXXX/XXXX/2015, I a a co-signer on my children 's student loan with Wells Fargo who was listed as a creditor. Now after the discharge Wells Fargo starts to send mail and starts contacting me by phone again. In speaking with my attorney it was said that all creditors listed in the Bankruptcy was discharged. Wells Fargo states in a letter dated XXXX/XXXX/2015, that when signing the Loan Request/Consumer Credit Agreement I certified that the loans would be used to pay for qualified higher education expenses and under the rules of the XXXX Bankruptcy Code, loans for qualified higher education expenses are not automatically discharged in bankruptcy. From my understanding it was told to me by my attorney that private loans can be discharge which Well Fargo Bank is. I am not able to pay this debt this is my reason for filing Chapter XXXX. I do not want Wells Fargo contacting me under any circumstances.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records. 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, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My property has been in the Short Sale Process for over 2 years. They refused to accepted an offer that was submitted to them, did not counteroffer and closed the file. I filed a complaint with your department and they agreed to re-open the file. They have just informed me that the new offer we sent which was much higher then the previous one is too low and have closed the file and did not counteroffer us. After serious negotiations with the foreclosure dept. we were able to get my file re-opened and 15 days later they are attempting to close it again. My property is scheduled to be auction off on XX/XX/2016.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2016-04-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CO)

I deposited a credit card check, drawn on XXXX XXXX XXXX, on XXXX XXXX, 2016, for the amount of {$1000.00}. My bank, Wells Fargo, made {$1000.00} available to me. Then, the next day, the check was returned. Because Wells made the funds available to me, I spent approximately {$400.00}. Wellsfargo took the funds back, and now I have a negative balance. I 'm homeless. Wells Fargo is not able to help me. Some agent and or principle of the bank needs to credit my account so that I can buy food, clothing, and shelter. Thank you.
Consumer complaint received 2016-09-29
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (NE)

I went through the pre-approval process at a local jeweler to see the amount of a loan I could get approved through Wells Fargo for an engagement ring. Neither the paperwork or the jeweler ever mentioned opening an account with Wells Fargo, and I left the jewelry store that day without making a purchase and without ever speaking with Wells Fargo to open the account. About a month later, I received a credit score that mentioned I had a line of credit that had been open for about a month. While I was confused at the time, it sounds very similar to what has happened with many consumers that have been scammed by Wells Fargo. At the time, I called Wells Fargo to close the account and clear up the confusion - and even mentioned that the account was opened without my knowledge. The representative on the phone said there was nothing they could do to clear the account off of my record. I did not come to the realization until reading further into the scam that I was definitely victimized by Wells Fargo, and they did not take steps to correct the mistake and have not reached back out to me.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am a victim of identity theft, these accounts below need to be removed, I went to the police station and gave them all the account numbers to these accounts someone opened in my name, I have talked to the vendors and they advised to file a police report By law these accounts need to be removed within 4 business days, this is not my first dispute, the cfpb has been failing to up hold the law to Equifax and my dispute have been unheard and not have been properly investigated, the police report has been attached to this dispute and all other required documents to confirm my identity XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

We have been trying to modify our loan with Wells Fargo for about 3 years. The reason we wanted to modify was because in 2012 I injured myself at work. Due to the injury I lost my employment. Wells Fargo made it almost impossible for us to qualify for a Modification it got so bad that we ( my sister and XXXX ) went to a Law firm. This Law Firm ( Law offices of XXXX XXXX ) essentially just took our money and essentially prolonged the inevitable. We still lost our home to foreclosure. Prior to hiring this phony law firm we almost got scammed to short selling our home through this company called ( California free Legal ). They impersonated my sister on the phone and started the paperwork though Wells Fargo to short sale my home. I found out about this because somehow my other sister was looking at houses and saw our home for sale. We lost a lot of money trying to save our home. What bothers me and seems suspicious is that we had submitted all the paperwork they asked for. We got in touch with the XXXX they helped us communicate with the bank, and helped with filing out all the requested documents. The sale date for my home was for XXXX XXXX. We faxed all documents form the XXXX XXXX office on Friday XXXX, XXXX the people from Wells Fargo said it took 48 hours to complete the review. Tuesday came and they still had n't finished reviewing it. I believe that they were stalling so that the sale of my home could take place.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Fraudulent purchases were made on my account, I have tried to get proof so I can know who made these purchases in order to file a police report, this has been going on over XXXX  years and XXXX continues to report negative information on my credit report which is over the XXXX  year limitation to report negative information. instead of helping me resolve this matter, they have chosen to ignore my letters asking for proof of debt
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In according to federal law this company Bank of america, has violated my rigths, According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, 15 U.S. code 1631a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.