davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NE)

Basically, Wells Fargo ( WF ) has taken our money ( almost {$5000.00} ) and is holding it hostage. Lets start from the beginning. Back in XXXX we linked a non-Wells Fargo account ( XXXX XXXX XXXX ) to our WF 's bank account. We followed the prompts WF required for the transfer. WF took the money out of our XXXX account then froze our WF account to investigate if this was a possible fraudulent transaction. We were in FL closing on a property at the time and XXXX was back in Nebraska. Once we returned to XXXX, we went to our XXXX XXXX, obtained the required documentation WF requested and went to a WF branch and provided it to them. We were required to show the funds were taken out of our XXXX account and that our XXXX account was legitimate. One we provided the documentation from XXXX in person to a WF branch, a banker at WF worked to unfreeze our WF account. Once it was unfroze, the funds never came. We called WF and they have officially lost our money. We have been assigned multiple people who will not answer our calls. They will assign us a WF employee who has 10 business days to investigate, if they can not find our money, we get assigned another employee who has an additional 10 business day to investigate and so on. They are now saying they have until XXXX to investigate. An employee from XXXX has cooperated fully and has provided WF will all documents which shows WF withdrew the money from our XXXX account. I am not sure how a bank during a pandemic can take OUR money and not give it back. WF is bouncing us around, assigning different employees to prolong returning our money. I am pretty confident if a customer was a day late on a bill or had an overdraft, WF would take minutes to tack on late/overdraft fees. How can they get away with this? How is this legal? In what scenario can a bank take OUR money and not give it back? Why won't they deposit our money into our account while they investigate? This is the absolute worst time they can have complete disregard for us. I understand they are a large company, but they should not be able to hold our money hostage and get away with it.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing received my loan payment check in XXXX, 2020 but never applied it to my loan. At first they told me that they did apply the payment to my loan stating that it was applied to " principal only '' but more recently they are now telling me that they never applied my payment to my loan at all. The company is now charging me late payment fees when the company received my payment in advance back in XXXX, 2020.
Consumer complaint received 2018-12-20
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. (NV)

XXXX XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX HOSPITAL XXXX ) XXXX was fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

I looked up my credit report on XX/XX/XXXX to find I had a collection outstanding from SEQUIUM ASSET SOLUTIONS / XXXX   XXXX  that was causing negative score ( it dropped from XXXX to XXXX because of this ). I checked my mail to find I had received letter from Sequium dated XX/XX/XXXX with an account number and a demand to pay {$120.00} ( letter attached ).

I submitted an inquiry/ dispute to Sequium via the website on XX/XX/XXXX to stop the collection process and requested information on the debt. I also mailed a written notice of dispute dated XX/XX/XXXX to supplement my electronic submission. Then I called XXXX  on XX/XX/XXXX ( who acquired XXXX ) to  find out details, since I had never received a bill from them. They do not have a record of the account nor have an outstanding balance owed. I called Sequium on XX/XX/XXXX, since I had not received a response to my written note. Sequium told me this verbally : XXXX sent them notice on XX/XX/XXXX that I had not paid a " final bill '' of {$120.00}, that the acct went into " collection '' status on XX/XX/XXXX with another collection company, then was transferred to Sequium on XX/XX/XXXX. I requested Sequium to provide me the information in writing so I could take this up with XXXX/XXXX but Sequium refused. 
So I called XXXX/ XXXX again on XX/XX/XXXX. XXXX filed a 'collection dispute ' on my behalf on XX/XX/XXXX to record that I have no open account with XXXX/XXXX  and no balance owed to support this dispute. 
Furthermore, I understand from the letter I was sent by Sequium that I have a 30 day validation period from XX/XX/XXXX before this collection gets reported on my credit report. Those rights were CLEARLY VIOLATED as mentioned above, I found about this situation because it showed up on my credit report as of XX/XX/XXXX, apparently reported in March/ XXXX timeframe before the date of the mailed letter.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

Citibank, a synonym of poor service. As a customer, I try to follow all the regular procedure to resolve issues, but Citibank seems to be very proud of not providing good customer service. 

I have two active offers in my account, as confirmed via chat : XXXX pt online Excluding Dining & Entertnmnt Cap XXXX to XX/XX/XXXX XXXX pt online Excluding Dining & Entertnmnt Cap XXXX to XX/XX/XXXX There is one issue that offer is not being applied according to the terms. 
For example, the purchase : XX/XX/XXXX, XXXX XXXX XXXX GA, {$260.00}. This purchase earned only one offer, not both. There is no reason for that. It's not the cap, because orders after this date have qualified for both orders. 

I open a complaint, and a few days later I received a later simply stating : We have reviewed your account and show that your ThankYou Network accumulation is correct. 

How good is that? No explanation as to why the other offer did not apply to that purchase. 

It is a system we can not trust. Maybe a bank we can not trust. 

Citibank : I will open a CFPB complaint every single time you don't provide customer service. Your attempts of not being clear in your communication will simply hurt your business. You may leave a note in my account stating to provide better service if you want to avoid more complaints in the future. 

Of course, I have paused the use of the Citibank 's credit card.
Consumer complaint received 2020-05-28
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. (FL)

I check My Credit and I notice that someone Has been Using My personal Information for their Benefit I believe it the same person which stole my Valuable Items, which I made a police Report for Attached with this report you will find my Police report. I did not authorize nor give anyone Consent for these Accounts to be Open. This is Fraud!!! please Help me Resolve this matter, this is very Stressful This is Crazy How Can People do This Fraud Without My Consent Companies need to Do their Due Diligence before they allow just anyone to open these Account
Consumer complaint received 2020-05-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MD)

I borrowed {$1100.00} on XX/XX/2020 they are charging me {$3600.00} which amounts to 412 % interest. I had no idea, they would charge this much I am a XXXX year old veteran on fixed income. What can be done?
Consumer complaint received 2023-08-15
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. (OH)

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. 

Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 2023-08-15
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: Experian Information Solutions Inc. (PA)

My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (SC)

This account XXXX XXXX XXXX XXXX is reporting to my credit report as Account charged off, written off. This is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so that I could file this as ordinary income. I haven't received the form. They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (MD)

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 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 2018-12-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I've been dealing with navient for the last 12 years trying to get my payments down am I lying down the amount on my loan is the same amount from the day1. I took out a loan in XXXX for XXXX this is XXXX the amount I owe is still XXXX I've been paying {$200.00} a month every month. I stopped paying them about a year ago because I couldn't afford it anymore
Consumer complaint received 2020-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Your information states that there is no fee for purchases at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX. I was charged {$3.00} on the transaction of {$55.00} XXXX and for each transaction, there is a fee ) ; I want my money back. Why are we charged a fee when those with checks were not? 

Then I went to customer service with a line supervior to pay for my items and get more than the {$100.00} allowed at the registers. This failed. The cashier gave me a short notice of approx. : XXXX Length : XXXX inches with this information XXXX XXXX # XXXX op # XXXX TE # XXXX TR # XXXX DEBIT NOT APPROVED CALL AUTHORIZER
Consumer complaint received 2019-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

AUTHORIZATION FORM ATTACHED Flagstar is acting with gross negligence and incompetence regarding a financial matter. Flagstar is unable to handle the amount loans they service. Like XXXX XXXX they need to be fined and have heavy oversight due to their negligence regarding loans. 

At issue is the fact that Flagstar keeps repeatedly requesting documents they already received and we have proof of receipt. To make matters worse when 3rd party requested to speak with a supervisor on XX/XX/19. The representative stated that the supervisor would ignore requests for escalation. When it requested to speak to a different supervisor 3rd party was advised there was only one supervisor for the entire loss mitigation department. This is unacceptable there needs to tally of the entire amount of loans Flagstar handles and how many loans are in loss mitigation. There are thousands. To have one supervisor for thousands of files, it's no wonder they wont take calls. This is criminally negligent and needs to regulated properly immediately.

Flagstar requested an HOA statement when there is no HOA on home nor anything provided alluding to HOA.

Flagstar requested the food expense be completed on workout package when it was already completed with the amount of XXXX. 
Flagstar requested 60 days bank statements when 90 days were provided On our previous complaint Flagstar immediately rejected due to no authorization form when they received it back on the XXXX. It's attached again here.
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (WA)

Ive had a cash app account for over a year and always use direct deposit for work and school with this account. 

I started getting unemployment in XXXX and had my checks direct deposited as well. Realizing I didnt want to keep using cash app I opened a credit union and switched my checks over to be deposited into my new account. 3 weeks later cash app locked my account and was asked to upload my ID, letter from unemployment office, social security card and any information pertaining to my unemployment even though Im not using the direct deposit through them anymore. Ive hesitated but upload all my information to them and have been contacting them to no avail. They have no phone number and do not respond. I still have over {$600.00} in my account and am occurring overdraft fees because of them. Please help.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern, I was looking through my credit report and noticed these collections on my file in Derogatory Marks which is all wrong on the collections. First off on XXXX  I am being hit with XXXX XXXX original creditor XXXX XXXX XXXX for {$400.00} I owe them nothing and this was paid off a few years back. I have told these people this countless times and they keep changing companies trying to collect money from me I do not owe. Secondly XXXX XXXX original creditor was XXXX XXXX they are saying I owe {$740.00} which I also paid off a long time ago so I am unsure as to why this is still on my report. XXXX XXXX is charging me {$3300.00} from XXXX XXXX XXXX This one I can tell you the story I had bought some phones they never came In and long story short order was cancelled and this was all settled with. Lastly XXXX, XXXX which is working for XXXX XXXX claim I owe them {$50.00} dollars which I also do not ash owe. I gave them XXXX dollars in cash. I do not owe them anything. If they pocketed the money or whatever happened there under the fair credit report 609  I feel I have a solid case in each situation if anybody wants to call me directly on this situation can do so. As I have nothing to hide and I want this situation fixed as soon as possible as it is effecting my credit score in a negative way. I sent the attachments here to what is wrong and on XXXX it shows 2 and the other XXXX has stated I do not owe.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To Whom It May Concern : Thank you for taking the time to read this letter. XXXX writing because I noticed that my most recent credit report contains a late payment/payments reported on XXXX and XX/XX/2020 for my Capital One Credit Card account. 

I want you to know that I understand my financial obligations, and if it werent for the sudden outbreak of COVID-19, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I haven't missed a payment. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments on XXXX and XX/XX/2020. 

Thank you for your consideration, and I hope youll approve my request. 

Best XXXX XXXX XXXX
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC (NC)

ERC Corporation, is in violation of 15 U.S.C 1692-1692p. On 2019 XX/XX/XXXX, I XXXX XXXX do swear that I received a phone call at work from a Representative of ERC Corporation, in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692d. The individual calling did not want to provide information to me that would help me to understand the propose of his call. 
I was unable to talk at the time of the initial call, so i called back and spoke with a young man by the name of XXXX. I verified with him my name, and the number in which i was calling from. upon locating a reference number, XXXX was able to provide the for reference number without me providing him with additional personal information. XXXX apologize for the way i was treated and would investigate the matter further.
Consumer complaint received 2018-12-20
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. (NE)

From XXXX. They and this company never contacted me to ask anything about this bill. Its not mine. Ive asked them to prove it to me. Nothing. 

Report NumberXXXX Date generatedXX/XX/2018 print iconPrint Your Results Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail