davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (MD)

My dad passed away on XXXX XXXX, 2018, & he told me he had credit life through. Company that was provided by his mortgage bank, Wells Fargo called XXXX & the rider was called XXXX. They were contacted & they said there was no coverage. They said it was another rider called XXXX XXXX. They sent me claim form for XXXX XXXX XXXX XXXX XXXX  called XXXX XXXX. One claim form said XXXX & the other said XXXX XXXX. ( XXXX Claim Forms ) I questioned the XXXX one that said accidental, they said fill them both out, they make the decisions. After a while, months, they denied it due to not being in force & accidental. Now XXXX talked about natural death & what it excluded, etc. 
After this fiasco thats last years back & forth I got these letters from Wells Fargo, cause they were ordered to pay a settlement of XXXX XXXX to consumers for attaching policies to customer accounts that they were not aware of & guess what? Yes, my dads was one of them. Guess who the Insurance Company was? XXXX & I found out my dad had coverage through XXXX & the rider was, XXXX. He had XXXX policies, XXXX of which, were mortgage related. Yes, they sent XXXX very small checks, & I had reopen my dads estate account informing them if I cashed these checks I was not forfeiting any additional monies that were owed. I even got these checks judge in probate involved cause something is very wrong. The branch manager in XXXX, XXXX, assured me I could cash them & they didnt care about those small checks & he would have to get his legal team involved to get the payoff from the insurance company. 
Meanwhile, back at the ranch, so to speak, I kept paying the mortgage for XXXX  years, they increased the payments over 5 times, tried to foreclose when it was 35 days late, sped up the payments ruining my credit with other creditors trying to keep up, and nothing has been done. I can refinance cause my credit is not good, & I am on disbility with XXXX Now they want to call the loan. 
Now they said they were going to call, because I put in a form about XXXX of the checks, I believe was the one that covered the house, & they havent yet. But, I still have the letter. 
Ive contacted the XXXX in XXXX, & he said to contact the FBI. I tried but no answer. 
The XXXX is involved, but they said it is Wells Fargo account & for me to contact you. 
I just dont know what to do. I dont even know whats going to happen. The payments are so fast I cant keep up & I should Not be going through this cause it should have been paid off when my dad passed. 
Please help me. I just dont know where to turn. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I have recently received a copy of my credit report and I noticed several inaccuracies and unauthorized accounts/information reporting on my credit. These remarks have been detrimental to my credit health and my life.
Consumer complaint received 2024-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (SC)

On XXXX I thought I was sending a wire to my closing attorney to purchase land in SC. I wired {$61000.00} to an account with the name of XXXX XXXX XXXX XXXX. Bank  : CitiBank. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Routing # XXXX. Account Number : XXXX My closing was on XXXX and this is when my real estate agent, myself, and the closing attorney discovered that all our emails had been hijacked, documents stolen and wire instructions were replaced to have me send this money to a completely different account. I immediately called XXXX and told them what was going on, as this is where the money came out of. They put in a wire transfer stop that afternoon. I filled out a FBI report as well as reported it to my local police department. 

Since then, XXXX put in another request at the end of XXXX. I am not positive on the exact date, maybe the XXXX. They told me they did this because they had not heard back from CitiBank. I have called into CitiBank a couple of times and they refuse to talk to me with the reasoning that I am not the account holder, even though I am talking to their fraud department. They have told me that they will only speak to my bank, yet they have yet to respond to my bank. 

Over a month later, I am going in circles and don't even have the simple answer of was that money still in the account. How was that account even set up under a name that was certainly not the person they said they were? Feels like CitiBank is protecting criminals.
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. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-28
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 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
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a dispute XX/XX/XXXX with experian and transunion, XXXX on some items that are showing on my credit report incorrectly. 

XXXX showing XXXX status shows open : I told them to provide me with a copy of my signed contract with this company as I have no knowledge of them or this amount and I have no open account for this amount. They responded in a few days that it meets Fcra requirements and closed my dispute. I have the right to see what this is and why its being reported this way. My guess is this was sold from an orginal creditor which i thought was against FCRA regulations, on top of it all the information is not accurate and I asked it be removed from my credit report. 

The other item was XXXX recovery in the amount of {$500.00} also showing opened as of XX/XX/XXXX, again no proof was provided to me, however i did get a 1099c a few years ago around this amount, and if it is the same account they its already been claimed on taxes and can not continue to ask me to repay this to a company I dont even know who they are, or if this is the same debit. This needs to be removed also from my credit report. 

Lastly is XXXX XXXX. Due to Hurricane Ian back in XX/XX/XXXX national emergency i applied for a forbearance with XXXX XXXX  they told me i didnt have to pay the mortgage for 3 months and the balance would be added to back end of my mortgage, once the forbearance was done they reniged and told me i had to pay it back. So they added to my monthly payment going foward which i have paid on time each month, so I have been current based on their agreement, yet its reporting negativly on my credit report. This needs to be update as not being current XXXX
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

unauthorized inquiries on my consumer reports from TransUnion and XXXX. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any unauthorized inquiries on my credit report as they affect my credit score negatively.

As per 15 USC 1681b, my consumer reports should only be accessed for a permissible purpose. Since I did not authorize the inquiries made on my credit report, they were unauthorized and not for a permissible purpose. Therefore, Im requesting the removal of the inquiries from my credit report.

There are 7 unauthorized inquires on my consumer report on XX/XX/23 i sent a dispute to Transunion. 

I called XXXX reference XXXX XXXX they did remove inquiries but according to 15 usc 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The two accounts below are paid in full. they have been paid in full for a month and they refuse to change even though I have proof they are paid off. 

XXXX XXXX XXXX XXXX Balance details 8 % paid off Balance {$36000.00} Balance updated XX/XX/year> Original balance {$39000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXXXXXX XXXX Account type Auto Loan XXXX XXXX XXXX XXXX Balance details 8 % paid off Balance {$32000.00} Balance updated XX/XX/year> Original balance {$35000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX XXXX Account type Auto Loan
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
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. (GA)

I am formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to removed of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} 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 Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX
Consumer complaint received 2023-08-28
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc. (NJ)

I was using the SELF app today XX/XX/2023 because I have a credit card and a credit builder account with them. On their app, there is something called Rent and Bills, it states Get a credit boost by adding your rent payments and bills. It then continues to ask for your bank information using plaid so you can sign in and pick the bills you want to use for an additional credit score boost. After, and only after they take all your information and sign in to your bank account seeing all your payments and charges, they then ask you to pay a monthly subscription to get the boost. This is very deceptive and it is not right! I have pictures from the app. I proceeded to chat with SELF customer service in the app chat section, got a live agent and asked them to remove my information immediately. SELFs own agent responded with you will have to contact a different company! Called XXXX. I went to XXXX and their agent XXXX XXXX replied with Please know, your rent+bills account and self account was a separate account however, rent+bill is another feature that self offers. I see and I understand where you're coming from. For your rent+bills ( XXXX ) account I see that you don't have a subscription yet but I see that you already linked your bank account. I can delete your bank if you're not ready to use your rent+bills account. 

The add was on the app itself that listed my account details for my credit card, overview, options to make a credit card payment, and then the same type of list stated boost your credit with your rent and bills. This wasnt a little add with an XXXX. This was just listed nonchalantly as if it were apart of my credit building service. 


I didnt get to screenshot the last photo after adding my bank info and selecting the bills for the rent boost but take my word for it. They asked me now that they had my info, to please pay a monthly subscription premium of $ XXXXBut all the other photos are ones that lead up to that page and nowhere does it disclose that payment or purchase is necessary! Im sorry but im not going to add my bank details again just to get the screenshot of the company asking for money. Unless someone explicitly asks me from the consumer affairs.
Consumer complaint received 2023-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2023 I received a letter from Bank of America stating they have removed PMI based on a loan to value of less than 80 %. 

I requested to have escrow removed based on XXXX of less than 80 %. 


I received a letter from Bank of America XXXX department stating my XXXX was 96 %. 

You remove PMI based on XXXX of less than 80 % but Bank of America XXXX department denied removing escrow based on XXXX 96 %. 

For Bank of America to hold my escrow account XXXX sounds like it benefits then financially. 

I requested the escrow removal on one day and the next day I receive this standard form letter with denial due to equity being 96 %. 

What kind of bank is this that operates like a scam. 

Bank of America is contradicting itself. The right hand doesnt know what the left hand is doing. 

Property address XXXXXXXX XXXX XXXX XXXXXXXX ga XXXX Sent from my XXXX
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)

at 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACT was allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my 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 I HAVE REQUESTED the accounts to be properly updated due to the fact that the accommodations requested during the timing did in fact qualify for the protection under the cares act.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/23 I used my XXXX XXXX issued by Synchrony bank at Lowes- no purchase problem. I then went to my usual XXXX grocery store where my grocery purchase for {$99.00} was declined. I pay this card off every 2 weeks and have had for years. I look on line- I have over XXXX credit available and no messages or flags in my account inbox. I attempt 3 times at the checkout counter- card. I am then escorted over to the customer service desk AT THE ENTRANCE TO THE STORE. There the counter rep tries 2 more times- card still declined. I call the customer service # on the back of the card. I speak with a Synchrony rep that informs me I will have to verify my account ( WHY?? ) and will send me a link to my cell phone. I receive a link. The link takes me to a website where I have to : # 1 Answer personal questions- I do this. # 2 Copy my drivers license-front & back and upload- I do this. # 3 I HAVE TO VIDEO MYSELF TURNING MY HEAD LEFT TO RIGHT and upload- I do this. 
I am then texted a code # and have to call the customer service # again and give them the code number I waste texted- I do this. THEY THEN UNLOCK MY CARD so I can purchase my melting groceries that have been sitting in my cart for 45minutes. All of this happened at the front of the store- I have NEVER felt so humiliated in my life.