davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY (TX)

This is my Second Complaint against Wells Fargo Mortgage Department : Background : My home insurance Break ( XXXX ). 
My home insurance was with XXXX ( Auto renewal policy ). However, XXXX has not renewed my home insurance because it wanted me to add auto insurance with home insurance for renewal ( an absurd policy of XXXX ). Since I was away from home, I haven't received prior notifications from XXXX, so I could not organise insurance elsewhere and the home insurance eventually got lapsed. 
Wells Fargo notified the lapse to me lately on XX/XX/XXXX via email ( 24 days later ), so I immediately started taking quotes and organised the insurance. It took a couple more days, as the insurance company required a drive- by inspection prior to confirmation of the policy and eventually it all set up from XX/XX/XXXX. I sent the policy pages to Wells Fargo immediately, so also the insurer. 
However, Wells Fargo insisted me to get coverage for the lapsed period. I have contacted the previous insurer, but they refused to do so. I was helpless to get coverage for lapsed period elsewhere and I notified it to the mortgage company. However, it enforced XXXX XXXX  for the lapsed period and charged me {$310.00}. I dont see any logic for such an action. 
I have also asked Wells Fargo to provide me the policy page and insurance details, but they have not provided my any such documents or receipt. 
I suspect Wells Fargo has a great deal of associate business with other insurance companies whether it is for home insurance/PMI insurance and charge the customers unlawfully. I request your intervention and check if the Banks policy is in violation of the State and Federal Laws. 




Email sent to Wells Fargo on XX/XX/year> : Hi With reference to your letter dated XX/XX/year>. 
I have contacted the previous insurer ( XXXX ) to get coverage for the lapse period, but they are not willing to accept it, as they want a multi policy to get home coverage ( email copy attached ). This is a very ridiculous situation and a corrupt industry standard. I am so frustrated. 
Had you reminded me a bit earlier than XX/XX/XXXX ideally within a few days after the lapse, I could have secured the insurance in a timely manner. I didn't realise that it was lapsed until I got your email notification. 
If you want to penalise me for the lapse, please feel free to do so. 
Regards XXXX XXXX XXXX
Consumer complaint received 2024-11-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Slovin & Associates Co., LPA (KY)

The companies are XXXX XXXX and XXXX XXXX XXXX. 
Ive already told them I will pay the rest of the debt, but they are trying to get me to pay an amount of debt that I already paid. 
They are trying to threaten me to double pay, and they have already threatened to seize property that I dont even have in my name. 
They already took me thru a Civil summons which I responded to and I keep responding to them. I have agreed to make payment amount, I could even understand if they needed to add a smaller amount of {$500.00} or less to the balance, but that is not enough for them. They are misrepresenting what is still owed, I have documented proof that I only owe so much left. 
I also found online in regards to LoanMe : LoanMe personal loans may have a low barrier to entry as well as a simple application process and fast funding, but the risks involved are high. The triple-digit interest rates are borderline predatory and can create a serious financial drain. This debt started at {$2500.00} back in 2021, they are claiming I owe {$2200.00} ignoring the fraudulent and predatory interest rate. Although, {$1400.00} was paid from XX/XX/year> to XX/XX/year> with only {$220.00} going to the principalthere is documented proof as part of the civil summons. That means only {$1000.00} is actually left to be paid. I will not allow myself to be doubly prayed on, and Im only willing to pay the {$1000.00} as is my right in the state of Kentucky. 
There are also multiple complaints online about both XXXX XXXX and XXXX XXXX XXXX. 
I will be contacting the Ohio XXXX XXXX XXXX. I also have an attorney now, and I will be finding out if they will help me work out a settlement or I will be countersuing.
Consumer complaint received 2024-11-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ability Recovery Services, LLC (TX)

The XXXX XXXX XXXX XXXX account is incorrectly listed on my credit report, showing an outstanding balance of {$5700.00}. I have no association with this company and do not owe this debt. Despite my attempts to resolve this directly with them, they were unwilling to assist. Additionally, I did not open this account on XX/XX/year>, as it appears on my XXXX credit report. 

According to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. ), any account not attributable to an individual must be reviewed and removed. I contacted them 90 days ago to address this issue, yet the account has not been removed. This erroneous account has impacted my credit score, increased my interest rates, and restricted my ability to obtain loans for approximately two years. The credit report listing lacks contact information, does not specify any goods or services related to the claimed debt, and does not show any missed payments on my part. Given my lack of knowledge about this company and the fact that I am being charged for a debt I do not owe, I classify this account as fraudulent.
Consumer complaint received 2024-09-11
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)

I have sent disputes to XXXX, Experian, and XXXX for the last 5 months. I have not recieved any response. I have attached a XXXX bureau table showing all of the errors in my accounts. Please investigate, update, or delete the following accounts. Thank you.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Google Compare Credit Cards Inc. (CA)

I have no idea when all this started to get linked with my account or information I would like a better understanding idk If this has to do with identity fraud but Id like to get clear understanding what going on my number is XXXX my name is XXXX XXXX my address is XXXX XXXX XXXX XXXX ca
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am trying to remove wrong address information from my Experian Report, but some address Experian wont remove. Some address was attached to bank count witch I don't longer use. 
I was getting harassed by the people who live at the address that is provided on my credit report! I need to remove it so people from that address will stop receiving mail with my name and phone number!!!
Consumer complaint received 2023-06-13
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. (PA)

To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$3000.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2024-08-12
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. (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 XXXX  according to XXXX-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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

I am writing to report that I am a victim of fraud, and I have discovered that Experian, XXXX, and XXXX are reporting inaccurate information on my credit reports as a result. 
I recently learned that my personal information, including my Social Security number, has been compromised. Unauthorized individuals have opened accounts in my name. Upon reviewing my credit reports from the three major credit bureaus, I found several inaccuracies that are negatively affecting my credit score. 
The following accounts are inaccurately reported on my credit report as a result of identity theft : - XXXX XXXX XXXX : {$32000.00} - XXXX XXXX XXXX  {$14000.00} - XXXX XXXX XXXX {$25000.00} - **Department of Commerce** : {$6400.00} These accounts do not belong to me, and I have not authorized any transactions or agreements related to them. 

The presence of this false information has caused me significant distress and has impacted my ability to manage my finances. Im concerned about the long-term implications for my creditworthiness and overall financial health.

1. I have contacted each credit bureau to dispute these inaccuracies and requested a fraud alert on my accounts.

2. I filed a report with the local police department related to the fraud.

3. I am actively monitoring my accounts and reporting any unauthorized activity to my financial institutions.

I seek your assistance in correcting these errors on my credit reports and ensuring my information is accurately represented to prevent further negative impacts on my credit.

Thank you for your attention to this urgent matter. I hope to resolve this situation promptly.

-- -
Consumer complaint received 2024-10-28
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. (GA)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2020-03-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I did an international wire transfer, from my account with Bank of America to an account in XXXX XXXX XXXX ( XXXX, XXXX ) in the amount of US {$4600.00} ( + fee of US {$45.00} ) For an unknown reason, the transfer was not executed and on XX/XX/XXXX I received a partial refund of US {$4300.00} ( that is US {$240.00} less than the original amount ). 

Bank of America could not explain the difference and has not been willing to give me any details in writing on the reasons for this partial refund, though all the data for the transfer was correct. ( I had done a similar wire transfer on XX/XX/XXXX to the same account with no problem ). I talked to the manager of the local Bank of America 's agency, but he did not have any explanation that he could put in writing and refused to provide any thing in writing. 

The question is : who took the US {$240.00}? 

In addition to that, how can a bank like Bank of America have no record of what happened or be uncooperative and unwilling to provide written support? 

Is this a fraud or a theft with a cover up? Are there other customers from Bank of America who have faced the same problem? Is this an example of a perfect theft with no paper trace?
Consumer complaint received 2024-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (WA)

I was the victim of identify theft in XXXXXXXX XXXX XXXX. Among the institutions at which this identity theft took place was XXXX XXXXXXXX XXXX Some fraudulent debt was accrued by the criminal who stole my identity. After extensive back and forth, at greater personal expense of my time ( which impacts numerous people, as I am a surgeon who needs to serve patients ), the fraudulent debt was expunged and it was removed from my credit record. HOWEVER, on XX/XX/XXXX I received a call from Midland Credit Management ( XXXX ), at XXXXXXXX XXXX (!!! ) from a man named XXXX XXXX ( extension XXXX ), who was a debt collector, seeking payment for a debt originally held by XXXX XXXXXXXX XXXX XXXX 

This is unacceptable harassment. This is unethical.
Consumer complaint received 2024-11-04
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (OH)

On XXXX XX/XX/year> I received an email at my personal email address from The Home Depot Consumer Credit Card telling me I would receive a new card soon. ( I had not asked/applied for one. ) It addressed me through an alternate spelling of my name which Ive never used. I never received a card at my address, but within the last two weeks Ive received emails saying Im behind on my payments. I attempted to contact Citibank, as the card is through them per the email, but the automated system wont let me talk to anyone until I provide my full account number ( which I dont have, as the emails only have the last few digits ) or my SSN ( which doesnt work, as apparently whoever opened it thankfully didnt have/use my SSN ). I recently moved overseas for a job, so I am unable to visit a local Citibank location to address the issue.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One is pulling incorrect information on my XXXX credit report. It's stating my XXXX  Score is XXXX on XX/XX/year>. This isn't accurate. The score was XXXX on XXXX.
Consumer complaint received 2024-08-12
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (FL)

To whom this concern, I am in the process of buying a home, and during that process of getting prepared for the process, I realized I had some damages on my credit report. I have no knowledge of these hard inquires that has been reported to my account. According to the 15 USC 1681 Law there should not be any damages on my credit report, as its a defamation to my character.
Consumer complaint received 2023-01-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (NC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$7000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} 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
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-11-08
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I am writing to report an issue with setting up AutoPay and verifying micro deposits for my Macys XXXX XXXX AmEx credit card. The issues Im experiencing on the Macys website are making it difficult to manage my account payments effectively. I have outlined the specific issues below : Issue 1 : When attempting to verify the XXXX micro deposits, the system does not allow me to proceed. The screen freezes, and no new information or prompts appear to confirm the verification. 

Issue 2 : When enrolling in AutoPay, I selected the " Statement Balance in Full '' option and clicked on " Authorize. '' However, I received an error message stating, " This service is temporarily unavailable. Please try again later. '' Despite multiple attempts on both XX/XX/XXXX and XX/XX/year>2024, from XXXX different computers and using both XXXX and XXXX browsers, the issue persists. 

Additionally, whenever I attempt to change the payment setting from " Minimum Payment '' to " Statement Balance in Full, '' the selection reverts back to " Minimum Payment '' without allowing me to save my preference. 

I appreciate any assistance you can provide in addressing this matter to ensure I am able to manage my payments effectively. 

Thank you for your attention to this issue.
Consumer complaint received 2024-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (AL)

My Venmo account was locked up for 180 days following a violation of the user agreement. My funds have been held for over 190 days now and they aren't going to let me transfer them any time soon. I am a single mother of XXXX and I need my money to take care of my kids. All they are doing g is keeping my kids in old worn out clothes and making it hard on me to support us. I am currently working XXXX jobs and still can't make ends meat and Venmo won't unlock my XXXXXXXX XXXX I have on the platform. Give me my money!
Consumer complaint received 2024-11-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NEW YORK COMMUNITY BANCORP INC (GA)

I am writing to formally file a complaint against Flagstar Bank/XXXX  XXXX XXXX regarding their refusal to provide essential documentation and accounting related to my mortgage loan. Despite my repeated efforts to obtain these documents, Flagstar BankXXXX XXXX XXXX has failed to fulfill my lawful requests for information. 

Complaint Details : Securitization Documentation : On XX/XX/XXXX, and XX/XX/XXXX, I submitted formal requests to Flagstar BankXXXX XXXX XXXX , asking for documentation and accounting of my mortgage loan, specifically concerning its securitization within a Real Estate Mortgage Investment Conduit ( XXXX ). 

Inadequate Response from Flagstar BankXXXX XXXX XXXX : Flagstar BankXXXX XXXX XXXX responded by stating that they are " unable to honor the request for the pooling and servicing agreement and a comprehensive audit of the securitization because it is considered overbroad or unduly burdensome to provide. '' Despite my multiple requests, I have not been provided with any documentation that would clarify the ownership structure, status, or servicing details of my mortgage loan. 

This lack of transparency and unwillingness to provide requested documents raises concerns about Flagstar BankXXXX XXXX XXXX XXXX compliance with federal regulations regarding mortgage loan disclosure and servicing practices.