davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX XXXX XXXX ( XXXX minutes ago ) to me I am writing to seek your assistance regarding an issue with my Chexsystem report that is affecting my ability to open a bank account. 

Recently, I attempted to open a new bank account, but my application was declined due to a negative entry in my Chexsystem report. Upon investigation, I discovered that a negative account from XXXX XXXX totaling {$280.00}, was reported in XXXX. I promptly addressed this matter and paid the outstanding amount on XX/XX/XXXX. 

According to my research, I understand that Chexsystem typically updates accounts within 30 days after the resolution of such issues. However, it appears that my account has not yet been updated, which consequently led to my second unsuccessful attempt to open a bank account earlier today. 

I kindly request your assistance in ensuring that my Chexsystem report is updated accordingly. This has been a recurring issue despite my previous attempts to resolve it, and I would greatly appreciate your intervention in facilitating a timely update. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (CA)

I am writing to formally express my dissatisfaction with a recent experience at BMO Bank concerning the closure of my bank account. 

In XXXX and XXXX, I applied to several banks to open an account. Unfortunately, after initially opening my account at BMO, I was informed that it would be closed after just one month. Upon inquiring about the reason for this closure, I was told it was due to an account I had with Bank of the West in XXXX I find this explanation both surprising and frustrating, as I believe any potential issues should be disclosed to customers at the time of account opening. 

The lack of communication and transparency in this matter has left me feeling extremely upset. If there are specific criteria that could affect my ability to maintain an account, I believe I should have been informed upfront instead of facing an abrupt closure. 

As such, I would like to formally register a complaint against XXXX Bank and request a thorough review of this situation. Clear communication is essential in banking, and I hope to see improvements to prevent this from happening to other customers in the future.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On or around XX/XX/year>, I received a notification from Wells Fargo that they needed me to update my citizenship information in order to continue receiving banking product. They also send me a follow up email on or around XX/XX/year>. 

That same day, I sent an email with the requested information. 

On XX/XX/year>, the bank acknowledged receipt, and sent me a message into some " secure portal '' that I did not have access to. That message was saying that the account would remain active until XX/XX/year>. 

I called the bank multiple times, including on XX/XX/year>, to ensure that the issue was resolved, they told me that they would escalate the concern and call me back, but no one ever called me back. 

Then on XX/XX/year>, my account got frozen and I lost access to it, without any further notification. The bank did not take any step to ensure that I received their notification and locked my account ahead of the deadline that they set themselves. The bank employees I talked to did not communicate to me that a document was missing even though I was talking to them over the phone. 

On XX/XX/year>, seeing that my funds were frozen, I went to the branch who mentioned that I needed to fill additional information, which I did. 

I filed a complaint with Wells Fargo on XX/XX/year>, but they have not replied nor resolved the situation. 

The bank employee at the branch told me that it would take up to 10 days for the account to be unblocked, but as of today on XX/XX/year> the account is still blocked, and I have not received any further communication from the bank. 

The lack of communication, diligence in resolving this issue, and locking the account before the communicated date is unacceptable.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

My card was stolen a few months ago, which I reported to my Best Buy Citibank card. I also submitted a dispute of the fraudulent charges. Today, they added those charges back to my account and proceeded to take a minimum payment autopayment of {$920.00}, when it is only supposed to be {$200.00}. I did not receive any notice that these fraudulent charges were added back to my account, nor that my payment would be so high. I was notified by my bank of the transaction. They failed to remove these fraudulent charges, failed at providing notice that they were being added back to my account, and failed to inform me they would then be charging me almost {$1000.00} for a minimum payment. My new card has yet again been compromised as there are now additional fraudulent charges for some " XXXX payment ''. I want those removed. I want this payment returned immediately and will pay the required {$200.00} minimum payment. I will no longer enroll in autopay as they seem it is ok to take as much money as they want at any given time. IF this is not handled accordingly I will be filing a lawsuit as they failed to give notice of any of these actions. I have gone through my letters they provided and downloaded every single one, not one of them has information pertaining to these charges being added back to my account or that they were deemed my responsibility since my card was reported lost/stolen. I cant even dispute these again because the old card no longer shows on my account, and those were the reason the card was reported lost/stolen to begin with
Consumer complaint received 2024-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (TX)

In Complaint ID XXXX that I submitted, I requested ALDOUS to provide oirginal SIGNED contract documents with XX/XX/XXXXXXXX XXXX XXXX breakdowns of how this alleged balance come along, and proof with detail explaination of why my payments were stopped. I would also like to get a copy of proof that prove ALDOUS has ownership/rights to service this alledged XXXX from XX/XX/XXXXXXXX XXXX. 

Aldous responded that they would have to request those information from XX/XX/XXXXXXXX. Aldous claimed they have this alledged balance since XXXX of 2024. I expect this company should already have these information readily available. I would like CFPB to investigate if this company indeed has any rights to serve this alledged balance or better yet report on my credit. It seems they do not have the paperwork to prove that this is a ligitimate. I request that Aldous needs to remove the my credit reporting immediately. A formal dispute has also been delivered to their mailbox. It was delivered XX/XX/year>. XXXX XXXX : XXXX. On a recorded call, Aldous also aknowledged they have receieved the dispute.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a Bank of America XXXX card. I have set up automatic payment which works very well. However if I make a payment before the automatic payment date ( sometimes weeks before ) Bank of America still withdraws the entire amount based upon the month closed date. Also refunds do not reduce the automatic payment amount. 

I don't know if this fit within the CFPB, some other agency or is perfectly legal. 

Here is an example End of billing cycle Balance {$500.00} 5 days later I get a refund of {$50.00} 7 days later ( after bill splitting with a friend ) I pay another {$50.00} On the automatic payment date {$500.00} is withdrawn from my checking account though I have paid ( either directly or via refund ) {$100.00}. IMO I should only be debited {$400.00}. 

Please advise if BofA policy are appropiate. 

Thanks
Consumer complaint received 2023-03-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

XX/XX/2023 XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan Number XXXX Case Number XXXX XXXX Regulatory Case ID : XXXX PHH Mortgage Services Escalations Department 1 Mortgage Way XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have spoken in regard to irregularities in this process. I would like to share with you examples of our current experiences so that you can help me to understand why. 
Our home is currently on XXXX XXXX foreclosure list XX/XX/2023, we were told that during the modification process we would not face foreclosure. ( Third time ) We are currently 18 days from foreclosure, we have not officially been notified. 
We never received a copy of the response PHH submitted to CFPB XX/XX/2023 We have not been notified that our appeal was denied. 

In closing, please advise us how the process has changed from when we started the process. 
Genuinely, XXXX & XXXX XXXX XXXX. CFPB
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I had an account with Wells Fargo back in XXXX to XXXX. I closed the account because I did not agree to them setting up accounts without my permission and when I inquired about it I was told it was to help me with building up my savings. It was brought to my attention that there has been a settlement of XXXX XXXX dollars if you had an account XXXX. I called XXXX to inquire about my past account ( gave name, DOB, and, and SS # ) and was told they could not find my account if it's been over 7 years since I closed my account. My son is a current account holder, and I informed him to look into this settlement as well. I would like to know if in fact WF owes me any compensation from their shady practices. Please help. I appreciate your time. Thank you.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (IN)

On XX/XX/2023 I received a letter from XXXX XXXX  stating that they were investigating a transaction error that I had supposedly reported. I phoned them on XX/XX/2023 to let them know I had never heard of XXXX XXXX  and never opened a card with them. I asked for any personal information that was associated with the account and was told that I would first need to file a police report, obtain an affidavit from the FTC and provide copies of those reports along with a copy of my photo ID and a letter requesting the information from the account. They did let me know that whoever opened the card had my full social security number. I did provide them with all of those documents and emailed it to the address I was given. I received a response back on XX/XX/2023 stating that I would need to call as it couldn't be settled through email. I called on XX/XX/XXXX and they did close the account, but would not give me any personal information as to who set up the account and again told me I would have to submit the documents I just mentioned. I told them I had done that already. They tried to tell me it was because I didn't include the account number in the subject line so I resubmitted all documents with the account number in the subject line on XX/XX/XXXX. I received a response back stating that they reviewed the history of the account and found that the account had been closed and to contact customer service for additional information. I called the company again on XX/XX/XXXX and eventually asked to speak to a supervisor. She told me the same thing that I needed to submit documents that had already been submitted. The XXXXPD detective has also phoned them requesting information on who set up the account and he has been given the run around as well and had not been able to obtain any information. They have told him twice that they needed my permission to release information so I called to give my permission as was told about submitting the documents again. The detective called them with me on the line on XX/XX/2023 and they gave us a phone number that was supposed to be their fraud department and when the detective called the number it was the FTC. The detective asked me to file a complaint with The Consumer Financial Protectioni Bureau hence the reason for this letter.
Consumer complaint received 2024-07-17
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: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

I deposited a check on my On mobile deposit on On thursday XXXXXXXX XXXX XXXX On friday XXXX XXXX XXXX Said check cleared The payers bank And was accepted by regions bank at XXXX XXXX XXXX. At this time it was deposited to my account And then withdrawn by regions and a hold placed on it. They have refused to abide by f c c regulation And give me a reason for the hold Are refusing to remove the hold even though they admit it has cleared
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-07-17
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: EQUIFAX, INC. (VA)

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$1800.00}
Consumer complaint received 2024-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-06-17
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: Experian Information Solutions Inc. (GA)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (DE)

My wife and I were incarcerated between XX/XX/XXXX and XX/XX/XXXX. During that time someone broke into our locked filing cabinet and took all of our personal information, including social security cards, banking information, debit cards, vehicle titles, etc. They then proceeded to drain our checking account of roughly {$37000.00} within 20 days. A family friend of ours even called M & T Bank XX/XX/XXXX around XXXX p.m. in attempt to stop the fraud from continuing, but M & T Bank told him they couldn't do anything. M & T Bank 's fraud department says they do not consider it fraud because our PIN numbers had to be used on numerous transactions. I informed M & T Bank 's fraud department our locked filing cabinet was broken into and our PIN numbers must've been written down on the banking papers. They told us to submit a Victim 's Report from the state police involved in the case. We submitted the Victim 's Report and M & T Bank re-opened the case for only one day and then re-closed it. I also informed M & T Bank multiple credit cards have been opened in our names also and I've had to put our credit on freeze because of all the information that has been taken from us. After we submitted our fraud claim and went into M & T Bank to explain what happened and close out our savings account and recover whatever funds were left over, M & T Bank said they didn't want to bank with us any longer. They were basically warned and informed fraud was occurring to a faithful client that's been banking with them for years with no problems, did nothing about it, and then waited for the fraud victims to come into their bank just to tell them they aren't welcomed there anymore and they can't do anything about getting back the money that was taken fraudulently.