davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-06-21
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: Social Finance, Inc. (DE)

On XX/XX/22 at approximately XXXXXXXX XXXX EST I applied for a Sofi credit card under the promotion of spend {$1500.00} and earn {$200.00} in Sofi points value. At XXXX XXXX EST I was approved for the card. 

The {$1500.00} in spend was completed by XX/XX/22. 

As of XX/XX/22 the {$200.00} in points have not been credited despite meeting the terms and contacting Sofi multiple times via myriad channels. 

Contacted the company via phone call on XX/XX/XXXX. Via chat on XX/XX/XXXX. Via chat and phone on call on XX/XX/XXXX. Has been no resolution of the issue.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I called experian and stated that there was fraud and other incorrect information on my accounts effecting my XXXX credit score and to get it removed they refused to do such by asking for information that is and cant be available and not following fcra guidelines
Consumer complaint received 2023-07-03
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. (MS)

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 : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 2017-03-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (DE)

Wells Fargo is refusing to use existing info sent them in connection with the Estate of my Aunt, XXXX and her Stock Account # XXXX. On XX/XX/2017 I sat with W.F. representative XXXX, at XXXX, DE Office, who helped me fill paperwork for Stock ( XXXX. ) sale ( XXXX ), valued at about $ XXXX.Included were Letter of Administration proving Estate establishment, an IRS Employee #, proof of existing Stock Certificate issued by her employee, XXXX , XXXX Medallion Stamps from my bank WSFS, and proper/necessary W.F. Forms. They all were mailed, by courier, that day to W.F. Shareowner Services. On XX/XX/2017 I e-mailed W.F.S.S. and was subsequently told by their XXXX that material was incomplete and an entire new package must be resubmitted and further, nothing he had in hand could be reused. Also, he refused to let me speak with Dept head, XXXX. I wish for W.F.S.S. to allow me to complete their Forms, but use all other existing paperwork to complete transaction. My information is XXXX, XXXX XXXX., XXXX, DE XXXX, XXXX, XXXX. Product information is provided above, but I might add our relationship with W.F. extended over 25 years and at end was awful. Not only were we overcharged interest, which they had to refund, overcharged fees which they never refunded, but worst of all they refused to discuss, ( including today ) my wife 's, ( XXXX ) earned retirement fund for years of employment. W.F. refuses to make any long-term or lump-sum offer or any basis of calculation. This amounts to thousands of dollars they owe her.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (WA)

I have only been able to make 1 payment on this account. Every month after that I tried to make the payment and they would return it saying it was an invalid account. They put late payment notice on my credit report and continue to charge me compounding late fees. 
I have tried re-entering my bank information yet they keep returning the payments. ( I have documentation of all this ) I have sent them 2 letters stating that IF they remover the late charges and IF they remove this from my credit reports I will send them a certified check paying off the balance. The have NOT responded to any of this and instead have started calling me at all hours harassing me for payment. 
As they have an OR address if they do not do as I have requested I plan on suing them in Small Claims Court for {$5000.00} for the damages they have done to my credit report and the harassment.
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (FL)

I was given an automatic upgrade to my Wells Fargo, which had an increase in the rewards program of XXXX points per dollar instead of XXXX, effective XXXX XXXX, 2015. 
I called at the end of XX/XX/XXXX//beginning of XXXX, and a lady confirmed that the increase was correct. 
I get my XXXX statement, no increase. Called again, then told it would take XXXX to XXXX billing cycles. 
I wait for the XXXX statement, still not given credits and I call XXXX/XXXX/15. I am bounced around to find XXXX side of Wells Fargo shows the XXXX points, but the reward side stills only shows XXXX. Told wait another billing cycle. 
XXXX statement, same thing and I call XXXX/XXXX/15, bounced around again, but this time a supervisor says he will send an email to the rewards side and have them call me on either XXXX or XXXX. I receive no call, but instead have to call them on XXXX to still have no resolution of the now {$150.00} worth of credits I have not received.
Consumer complaint received 2022-08-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AutoMoney, Inc. (GA)

I applied for title loan last year cause I was evicted from my home and needed fast money to find a place but after I found the place I lost my job and became very ill which I informed auto money about at all times which at that point the understood until I awaken to my car being towed cause I was behind I was informed by the lady who works there name XXXX that I needed to come up with XXXX dollars to get my car back and my loan was refinanced without explanation. So I been making payments of XXXX since XXXX of last year and have exceeded my loan amount which was XXXX but after she refinance it it became to be XXXX I only borrowed XXXX and now it is XXXX and the only thing that has come off this XXXX is XXXX dollars I only have enough to pay the bill after trying to keep my home I have told them how hard it is coming up with this money despite my situation but I it seems I will be paying this bill off forever.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX and XXXX XXXX, my funds were stolen from my checking account through online/debit card. I filed a claim with my bank XXXX Bank of America ) on XX/XX/XXXX but to no avail. These are the bank representative I spoke with concerning this matter.. 
XX/XX/XXXX - XXXX XXXX New York ) XX/XX/XXXX - XXXX ( Georgia ) XX/XX/XXXX - XXXX XXXX - XXXX ( Texas ) XXXX XXXX XXXX  ( Tennessee ) Claim No : XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

Signed up for an income driven repayment plan but was not told that I had to pay my late fees first before I could start the plan. I asked numerous times if my payment would be the agreed upon amount and was assured everytime it would be. When the bill came due, it was {$80.00} higher because of the fees.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2022-10-25
Product: Credit reporting, credit repair services, 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. (NY)

There has been some reports on my credit score that i do not recognize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (DC)

Dear CFPB : I have to file a complaint against Wells Fargo business checking for incessantly harassing me in spite of knowing that I was a victim of bank fraud. I filed that complaint in XXXX. The CFPB case number was XXXX. Before filing in XXXX, I reported the fraud to them in XXXX. That 's why I was incredulous that Wells Fargo would call me three times a day starting at XXXX ending at XXXX from XXXX XXXX XXXX XXXX. The bank never asked me how I was trying to reclaim and recover the money. Every word regarding the bad news, XXXX spewed about Wells Fargo was true because I am experiencing this first hand.
Consumer complaint received 2023-07-04
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. (VA)

I have sent several inquiries however they keep coming back as verified or have received letters informing me that they commend me for my efforts with trying to clean up my credit however I needed to call them and then they add additional supplemental information to my reports and state they are verified. Information gets taken off then 2 months later the same information returns more-so from Transunion. 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 681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : 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, 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 1681 i ( 5 ) they are suppose to modify accounts that isn'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 a account 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 antedates item of information, other than records of convictions of crimes which antedates the 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 USC 1681s-2 ( A ) ( 1 ) A person shall not 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 XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2016-02-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Tuesday XXXX XXXX I spoke with a representative of B of A because I had a loan modification application in process, or so I believed but on Monday XXXX XXXX, 2016 we received a certified letter, ( which my daughter had signed for the previous week because we we were out of country and returned XXXX/XXXX/16 ), stating letter of intent to accelerate loan. The representative informed me that our loan modification had been denied in XX/XX/XXXX, XX/XX/XXXX, and that this letter is sent to bring loan current or foreclosure proceedings would be filed. I explained to the B of A representative that i had spoken to account manager in XX/XX/XXXX regarding loan modification and was told the status was still being reviewed/ no decision! B of A representative could not explain why we were told it was still in process when it had been denied. Per the B of A representative one of the reasons we were denied for loan modification is that loan was not delinquent, but the fact is it was, which letter of Intent certainly confirms. There was one other reason which had to do with our income being too high ... and that was just shocking because my husband and I can both testify to the fact that we live month to month on our income, very, very, VERY modestly. The B of A representative recommended I contact XXXX XXXX ( not sure of spelling ) XXXX. XXXX is the supervisor of the Account Manager 's. I had complained that none of the Account Manager 's I had spoken to, assigned to our loan modification, could answer any of my questions regarding income, declination, etc. So on the advise of B of A representative I left an urgent voice mail for XXXX on XXXX/XXXX/16 and p another 2 urgent voice mail messages on XXXX/XXXX/16. I never received a return call, not to either of our contact phone numbers. My voice mail messages were very specific, matter was urgent, regarding loan modification declination, reasons for decline, and needed explanation. I gave all our loan information, number, etc. 
There was no message on XXXX 's voice mail saying he was out of office, that he would not be returning calls, etc. I think that it is outrageous that someone in his position would ignore urgent calls for 2 days. In fact I think that should be illegal in banking. 
I feel that the only way I get some one to return my calls is to file formal complaints ... and that is a very bad reflection on B of A and staff. 

All of this can be verified by phone calls since every phone call that I have made has been recorded per a representative and then there are the voice mail messages left on XXXX 's extension.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XXXX verified on XX/XX/2022 they have fixed a credit reporting error causing a commercial mortgage loan to report to my personal credit bureau. XXXX confirmed the error and submitted corrections to the agencies. The error was finally fix in XX/XX/2022 until the mortgage was sold in XX/XX/2022 to Select Portfolio Services ( SPS ). Now SPS is reporting a commercial mortgage on my personal credit bureaus again. This is a commercial loan that XXXX agreed in loan documents, in emails, and credit dispute documents this is a reporting error.
Consumer complaint received 2022-08-15
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. (FL)

What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

I have been in review for a modification and I have not yet to speak to the point of contact assigned to the case. I have called her numerous times to check status on the modification and to see if further documents are needed. They have asked me for documentation and they have all been provided. They other agents ask me for supplemental stips on a piece meal basis. Now today, another agent is stating that I did not provide a XXXX. I informed her ask reflected on my pay check stubs from the XXXX, I DO NOT receive a XXXX only paystubs. The agent and not the point of contact informed me that even though I do n't receive a XXXX and receive paystubs, I need to still have written them a letter reflecting the fact that I dont receive a XXXX. So therefore, they are stating I did NOT provide documentation to them in a timely manner. The point of contact has never stated this to me and now they are no onger reflecting I am in active review because I didnt informed them I do not not receive a XXXX when clearly they know because they have my paystubs! This is a travesty of justice and is slap in the face of every American. They are not playing by the rules and setting me up for failure.
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have been trying to get a loan modification since my layoff in 2009, I have been denieded XXXX times by XXXX different loan companies the latest to be Bayview Loan Servicing everytime I apply my loan is sold. I am just looking for a little help in keeping my home. I will upload my hardship letter so you can read the whole story.
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of American direct deposit funds into the incorrect and they were notified, however the funds were not rejected and returned to the original source. This has gone on for the past two months with this discrepancy and nothing has been done to rectify this issue.
Consumer complaint received 2016-08-18
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE ()

My wife, XXXX XXXX on XXXX XXXX 2016 at XXXX XXXX sent a Western Union transfer XXXX XXXX from your Western Union agent near us at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX. 

I have the customer receipt and the Western Union USA response by XXXX XXXX XXXX XXXX 2016 where you state that this money was paid to the named recipient XXXX XXXX on XXXX XXXX 2016 in XXXX. The only problem is that our friend did not receive this money but was told that the money had already been received in XXXX and then she went to WU in XXXX. She was again told that this money was distributed and that she needed to contact WU USA which we have done via XXXX XXXX XXXX agency taking 3 weeks for a response. 

We asked WU the following, " Please advise what WU - USA / WU-XXXX are going to do about this? You have lots of small details on this document about our responsibility and a lot of information on protecting yourself from fraud on your westernunion.com website but this money transfer was given to someone else and not our friend and recipient XXXX - We asked them the following questions : 1. Where was the money given? What WU branch/bank etc? 
2. What ID was used to show that this person was indeed XXXX XXXX? ( Even if the person who picked up this bank transfer had all of the info, they would have needed to have an appropriate ID identifying as the above person. 
3. What is WU going to do? ( There is a young man who is unable to pay school fees and thus not able to go to high school until this is sorted out. He has XXXX terms left to graduate. 
4. Are there security cameras in your WU agencies in XXXX like the XXXX in XXXX. It seems like it would be very easy to track down date and time to see who was the fraudulent recipient of these funds? " We were told by WU that the case was close because the money had been received. If we wanted to reopen the case, this could only be done by the Police XXXX or the Police XXXX. We have visited the police in XXXX 3 times and our friend has visited 3 times to the police to XXXX. We have been asked numerous times by WU to do their job for them and we have gotten very little assistance from them like we would quit asking where is our money that was supposed to go to our friend 's son education?
Consumer complaint received 2015-05-02
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: U.S. BANCORP (CO)

I received a gift card last year that has an expiration date of XX/XX/2015. My understand of federal law is that it can not expire for at least 5 years. The issuing bank is refusing to re-issue me a non-expired card.
Consumer complaint received 2015-10-25
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (LA)

I have a pre-paid Rush card. I have had no access to my account for 12 days. The company said they updated their system and something went wrong. Customer service does n't help. A technical glitch is what their calling it.