davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion is not reporting the {$9800.00} credit line I have with my new XXXX XXXX XXXX ( which has gotten two replacements ) even though they say that the balance decreased. They're also not showing the {$10000.00} credit line I have with another XXXX 's card besided the one isted. Both of these cards had fraudulent activity and both have simply been replaced with new cards and account numbers. As a result my total available credit is nearly {$20000.00} less on the TransUnion report than what it really is ( {$37000.00} versus {$57000.00} ) and my average credit age is about 7 months less on the report than what it really is ( 7 years 5 months versus 8 years ), as the XXXX XXXX XXXX account is nearly XXXX XXXX XXXX, and the XXXX 's account about XXXX XXXX XXXX. This is having an unfair adverse effect on my credit score, when I simply just had the card numbers replaced due to fraud.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in XXXX XXXX. XXXX ( a ) ( XXXX ). 
Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under XXXX XXXX. XXXX requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy. 
Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to XXXX XXXX. XXXX ( a ), which states that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report. 
I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within XXXX  days of receipt of this letter. 
Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

My civil rights have been violated by XXXX XXXX and wells fargo. There was no legal justification to close my checking account only to harass and abuse me. Wells fargo falsely claims it did everything lawfully and appropriately. Which isn't true. They had to close my original account to cause this trouble for me. Wells fargo has never acknowledged that XXXX XXXX called the police on me. 

I lost my checking account at wells fargo. Due to XXXX XXXX falsely accusing me of harassing her. They just automatically took her side and done me dirty. Which is why she started to be a banker to harass me and to use her position to influence people against me and pay them off as she did with the police. I was done dirty. I did nothing wrong to deserve this type of treatment. 

Why did wells fargo allow me to have the new checking account to begin with. 

I was falsely accused by XXXX XXXX of harassing her. While I was at the bank opening my new account. This was downright dirty what was done to me by XXXX XXXX and other wells fargo employees who assisted her. XXXX XXXX is a mentally crazy unstable person. Wells fargo thinks their smart by not mentioning the real reason why my checking account was closed. My new checking account was only open for a month when they closed it. XXXX XXXX befriends everybody in my neighborhood to get them against me and everyone else in town also. They are all scum of the earth to think by befriending other neighbors around here and having them cut their grass will torment me because people like them for some reason. It's a sickness they have. XXXX XXXX just doesn't know when to stop because wells fargo believed her side of the story and not mine. This incident happens at the bank not outside it like how they so loudly try to explain in their replies. To protect XXXX and XXXX XXXX. This is how XXXX XXXX gets people on her side against me. This is what happen when wells fargo wrongfully closed my checking account. I did nothing to deserve this type of treatment from wells fargo. Wells fargo had malice against me when they closed my checking account. It was personal not because they claim they have a right to close my account. 

Why did wells fargo allow my first account to remain open from XXXX XXXX XXXX made a false call to the police telling them I was harassing her. This is CORRUPTION if the other wells fargo employees went along with this lie. The police didn't see XXXX XXXX any where near me. She intentionally came around me to cause me trouble. I am owed in compensation for my checking account being wrongfully closed due to XXXX XXXX slandering me. Even though wells fargo falsely states I wasn't slandered to defend XXXX XXXX and their wrongful actions in closing my account.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Someone hacked my online banking with Huntington Bank. They used a bill pay service called XXXX to send themselves all of my rent money in XXXX. I have NEVER used this bill pay service or known it was even available on my banking prior to this. I contacted my bank immediately, they said they would have to investigate. 
No one could give me answers, they just sent me LETTERS in the snail mail which I still have not received. Everyone I talked to on the phone said they don't make outbound calls. I have also requested e-mail correspondence as my rent needs to be paid and I can not wait for snail mail to hopefully show up. 
I have received NO email correspondence from them either. 
They stated their " investigation department '' does not see this as fraud because it was sent from my account. We of course it shows sent from my account because the account was hacked! I have no access to the bank account as it is frozen. I have banked with Huntington for over 20 years and the tellers and dispute representatives are treating me like another number on their list. 
This is the worst business process I have ever heard of, or dealt with. 
I have removed all of my funds from this bank including my vehicle loan and they still don't care. 
I can not just let this amount of money go without further research or explanation as to where my money went. 
Also, a representative told me " they can not provide me the information on where the funds went, only where the funds were sent from ''. Are banks not insured for this reason? 
This whole situation has changed my perspective on the banking industry completely and I am now scared to keep money in a bank account for very long.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I sent a letter regarding inaccurate and unknown things on my credit report to this day over 36 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 36 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me. My information has been impacted by the recent XXXX data breach and XXXX have gotten compromised.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

We had XXXX payments being electronically sent to our accounts by a client who we have worked with for many years and never had an issue sending us payments to our other bank. We went to the branch and spoke with our banker who opened our account XXXX and she gave use the routing and account number. we sent this to our client and they made the XXXX payments for {$58000.00} and {$68000.00} when XXXX days passed our clients was asking us did we receive the payment and we did not we went to our bank and they said they did not receive the money after multiple days of pushing and calling and going to the branch then then said they did have the money but the routing number we used was for wires not ach and payments were sent ach so they are rejecting the payments which took XXXX more days to go back to our client they then gave us another routing number to use saying the original one is not from their bank yet when I go online it says the routing number is a fifth third bank routing number, and that routing number does accept XXXX transactions. No one on the phone or at the bank had anything to say and could not explain so the money went back to our clients after XXXX  days when it should have been XXXX and they repeated to send again with the now proper routing number provided by the banking center. Then another XXXX  days passed and no money we went ack to the branch and they are saying the routing number was again wrong and they can not issue us the funds. We are now waiting again for the money to get sent back to our client. Our client is quite upset and plans to not proceed doing business with us because of this consistent issue from fifth third bank that has been dragging these payments out for over a month with no resolve. They have no communication between back office an branches and are not truthful. This has damaged my business extensively and they say they have to follow the rules but the are literally changing the rules every time to accomadate holding over XXXX fro almost 30 days. I am a growing women owned minority business that has employees that need to get paid and clients that need services holding a payment like this is not right and then always changing the parameters to get the funds in our hands has cost me my largest client. This si not right because we followed the banks guidance every step of the way and after we do what they say then come back and say we can not give you your money because your sender sent it wrong. This is a very sketchy bank.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I had an account with Bank of America. My account number is XXXX. I am currently stationed overseas and had been using the service XXXX  for currency exchange. My account was charged back by XXXX with funds I used from Bank of America. I was told to file disputes for these transactions to get my funds back. I did so, and provided documentation from XXXX stating that these funds would need to be disputed with and returned by my bank XXXX Bank of America. Rather than assist with these transactions, Bank of America never returned the funds totaling over {$10000.00} and closed my account, while also holding all incoming deposits. I used another bank as well, XXXX XXXX, to fund my XXXX account. While running into the same issue, XXXX XXXX  had no problem correcting my account and ending the disputes properly.
Consumer complaint received 2023-10-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MS)

On XX/XX/ I have received a phone call from a debt collector from Florida ( Enhance Recovery Company ( XXXX ) XXXX XXXX ) in regards of an XXXX account with a total balance of {$610.00} that was opened under my personal identity without my consent. I have never opened an account under my XXXX XXXX XXXX cause my current XXXX XXXX XXXX  Plan is still under my parents. Its also the same company contacted me from last year XXXX month of XXXX with the same issue. I payed the previous one with the amount of XXXX $ knowing that i have never opened an account on XXXX XXXX XXXX just to avoid any stress due to the collection that was showing on my Credit Report. I also tried to contact XXXX XXXX XXXX but they weren't cooperating. I hope this time somebody will help me cause i have been stressing out of these fraud and scammers. Thank you!
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2023 I mailed a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they've caused me. My information was also impacted by the Equifax breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (TX)

Dispute and Clarification Letter Date : XX/XX/year> From : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Number : XXXX To : NEWREZ LLC DBA Mortgage Shellpoint Mortgage Servicing NMLS ID : XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ________________________________________ Subject : Dispute and Clarification Request Regarding Loan # XXXX Payment Handling Dear Shellpoint Mortgage Servicing, I am writing to you regarding the communication I received on XX/XX/year>, in which I was asked to apply for a loss mitigation program related to my loan # XXXX. I appreciate the communication ; however, I would like to clarify several critical points regarding the information provided and the management of my loan account. 
In the letter, it was stated that my account is in pre-foreclosure, which I believe is incorrect and is of great concern. For the past XXXX months, I have been making the monthly payments of {$1700.00} on time, and these payments have been sent directly to your company. 
Therefore, I urgently request a thorough investigation into the accounting records of Shellpoint Mortgage Servicing, as there appear to be significant errors in the processing of my payments. Furthermore, I demand documented proof explaining why my account has been listed as delinquent and placed in a pre-foreclosure process.

Specifically, I request that : 1. I am provided with a detailed breakdown of the payments received by your company over the past XXXX months, including dates and confirmation of the exact amounts received for the loan in question.

2. I receive an explanation as to why, despite making my payments, I continue to receive notices about a supposed default on payments.

3. All pre-foreclosure or any similar processes be halted while this issue is investigated and my payment records are clarified.

I look forward to your immediate response and an effective resolution to this issue. Should I not receive a satisfactory response within a reasonable time, I will be compelled to take legal action to protect my rights and prevent any unjust harm this situation may cause. 
Thank you in advance for your prompt attention and response to this urgent matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (FL)

On or about XX/XX/2023, I applied for an XXXX XXXX XXXX  online which is administered by the financial institution mentioned in this complaint. An XXXX credit report was pulled, my credit score is in the XXXX 's. I was approved for a {$10000.00} credit line ( see attached proof ). On XX/XX/XXXX, I was on a trip in Maryland. I attempted to make a purchase at a retailer that accepts this card. Unknown to me, the account had a block on it, with a request to verify my identity. I provided my valid State Driver 's License and a Visa card issued by XXXX XXXX. An attempt was made by the bank to verify my identity by sending me a text code to my phone. The system at the bank malfunctioned and could not send the text. The cell phone number of : XXXX has been my number for 17 years through XXXX XXXX. I have received numerous text codes without any issues whatsoever in the past. My background is as follows : no negative credit information is reported by any major credit reporting credit repositories, a credit utilization ratio of 13 % and over {$170000.00} in available credit amongst my credit cards. I have no fraud alerts on any of my credit reports. I attempted to call the financial institution at the customer service number on XX/XX/2023 for clarification of the issue. The business was of no help to me and could not provide an answer.
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (OH)

I have been a customer discover for about a year. I have had issues within that year with hacking and other problems. I have recently been told that my identity has been compormised. I had an issue where someone was trying to log in as me to dispute charges on the bill. I did make some of the charges, and I had this individual try to damage and ruin my credit. I have reached out to discover to inform them that someone had hacked my email address and my computer and they shut my card down due to filing to many disputes. I was not the one filing said disputes, I recently got an letter from discover that was listed with my address to a XXXX XXXX, who lived at XXXX XXXX XXXX XXXX ohio XXXX. I am not XXXX XXXX I am XXXX XXXX. I believe that this individual might have something to due with the indentiy theft that has been occuring, also on my hot mail someone is trying to constantly log in as me and present false information. I am going to send you all of the documentation that has anything to due with this case. I current address is XXXX XXXX XXXX XXXX ohio XXXX.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Recently I did an investigation on my report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general is after anu reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the Consumer reporting agency shall- ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I sent a letter on XX/XX/year> asking them to re-investigate these accounts listed below. 

Inquiries - ( XXXX ) XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Inquiries - ( XXXX ) XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Inquiries ( XXXX XXXX XXXX  ) XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Inquiries ( XXXX XXXX XXXX ) XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. Can you please look into this matter.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My bank put a flag on my account for security reasoning and after verification, a hold was placed on a state funded unemployment check. I no longer have access to the funds I depend on to afford my daily expenses. The reasoning I was given by XXXX in Customer Protections is she isnt sure if the check would clear. Is there any assistance you can provide?