davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX my insurance Homeowners insurance expired the company auto renew on XX/XX/XXXX, at XXXXXXXX XXXX. According to Wells Fargo they said i let my insurance lap! But it did not it auto renewed. From that day forward I have been emailing wells Fargo to not escrow my insurance. They continue to do it! I pay my own homeowners ' insurance. I don't need them to escrow my insurance. This is a XX/XX/XXXX loan They are escrowing on the 20 % part of the lone the 80 % part of the loan is with another mortgage company who also escrow homeowners ' insurance. Finally, the other mortgage XXXX XXXX XXXX services. stopped escrowing my account at my request. Which Wells Fargo fail to do. This is unheard of especially on this small loan amount. I have written many letters and calls to Wells Fargo no avail its failing on deaf ears. There was never a lap in my homeowners ' insurance. Several time they even put XXXX Lenders place insurance on my account before they started escrowing my account. my mortgage went from XXXX to over XXXX a month because Wells Fargo over escrow account and the amount they have me paying. I am making double payments, XXXX with Wells Fargo and XXXX insurance company which I have my policy through.
Consumer complaint received 2024-09-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (FL)

Sometimes back in XXXX or XXXX, Santander send a letter for me to pay a lower amount on my car that was already repossessed. They offered me to pay the amount of {$600.00} to take care of the bill. So I called them and paid it, I also asked them to delete the debt from credit and they did not.
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blitt and Gaines, P.C. (IL)

I was threatened with lawsuits and judgements. I settled the accounts for large amounts o money without ever being summoned or given any form of validation. 
Upon paying the accounts, they are continuing to report inaccurately on my credit reports showing past due balances and charge offs for every month of XXXX. 
These are inaccurate and after paying I know believe fraud as no lawsuit was filed I want them all removed immediately from my credit reports
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NJ)

I am a XXXX year old XXXX  who invested my life savings into the Marcus by Goldman Sachs XXXX XXXX XXXX account. On or about XX/XX/year> I deposited {$50000.00} into the account. As of XX/XX/year> my statements reflect a balance of {$50000.00}. My XX/XX/year> - XXXX Online Savings Account Statement now reflects a {$0.00} balance, a {$50000.00} withdrawal, and my account closed. I also have been locked out of my account. When I called and provided my social security number, name, date of birth, cell phone number and secret code that were all confirmed they are telling me that they will not talk to me because -- 1. my scell phone is on a family plan and not in my name, 2 ) my landline is registered to my deceased husband 's name with the same last name, ad 3 ) I have a valid PA drivers license that they can not validate. The will not speak with me and will not tell me my balance or what has happened. This is my life savings and I need to pay for my deceased husbands tombstone. They stole my money and I am so upset. How can they do this to me.
Consumer complaint received 2024-06-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

collection agency is reporting to all 3 bureaus that i owe this unkown debt i am requesting that the collection agency provides that this debt is owed to them and or that the debt i unpaid .The debt is unknown and I have not recieved any communication from either the original creditor or the collection agency.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

There are two fraudulent inquires on my credit file that I asked t be removed due to them not being soothing that Ive applied for nor did I apply for them in the pass the two inquiries are XXXX XXXX XXXX inquiry date XX/XX/XXXX and XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

Scammer perpetrated being a verified seller of XXXX XXXX tickets. He said he had two for the XXXX location for {$350.00} each. I should have thought it over more. He gave me a phone # to transfer money to Zelle, which I did, {$700.00}. Obviously I received nothing in return, and he did not answer any attempts of contact.. I gave it a day or so and requested the money back through Zelle with the memo to please refund my money or send the tickets as per agreement. Nothing. Today I was going to request again, but now when I put the number in Zelle, I get " Something went wrong. There is an issue with this mobile number ''. Of course there is. It also appears I have been blocked from the ticket resale site.
Consumer complaint received 2024-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Hello, I received a letter from Portfolio Recovery trying to collect a debt for XXXX XXXX that had been disputed and removed from my credit report through a bankruptcy and length of reporting a debt. 

This XXXX XXXXXXXX credit card is not showing on either one of my credit repositories. I filled Bankruptcy in XXXX. This card credit was included in the bankruptcy. Please have Portfolio Recovery stop sending me correspondence. This debt was removed and due to the length of the debt is no longer reported. 

I would NEVER do business with XXXX XXXX. They have been sued on so many occasions for dishonest business practices. I even had identity debt back then with XXXX XXXX and they had to remove false credit card information. This debt is fourteen years old. You can pull up my bankruptcy papers in CA if needed. I know attorney can pull the file through ( PACERS )
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

This complaint is against Charles Schwab Bank. They closed my online investor checking account ( on XX/XX/2024 ) and sent the money to CA escheatment citing reasons of inactivity while according to their own records I have logged on to the online account less than 6 months prior to closing. Additionally I received no communication email or otherwise about the closure before ( or even after for that matter ) they did so. To make matters worse, when I spoke with their customer service ( on XX/XX/2024 ) they wouldn't give me any other details including what constitutes inactivity.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Summary My wallet was stolen on XX/XX/year>. In addition to my drivers license, medical cards and cash, the wallet contained XXXX credit cards, and XXXX was my XXXX XXXX XXXX card issued by Citibank. The thieves charged {$3500.00} to XXXX XXXX in XXXX XXXX within minutes of stealing my wallet. 

I reported the theft to Citibank in less than an hour after realizing that the charge had been made. See timeline below for details. Citibank is now holding me liable for the entire charge, even though by law I reported the theft in a timely manner and should not be held liable. 

On XX/XX/year> I spoke to XXXX different employees at Citibank. All three of them ignored me when I brought up the fact that I am protected by the law. Your company is breaking federal law by not following consumer protection laws. 

Instead of treating me as a loyal customer, Citibank is treating me as if I am the criminal. Please review my records and you will see that I always pay my balance in full each month and have been doing so for years. 


See attached timeline for details Also attached : police report, police email, letter from Citibank informing that charge was reinstated due to " a billing delay ''
Consumer complaint received 2024-06-20
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: AMERICAN EXPRESS COMPANY (NY)

I was out of the country almost 3 years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/year> when I started to read what the email I got from XXXX XXXX XXXX  on XX/XX/year> stated some of my information gotten out so I started to investigate what was going on and see, 5 accounts was open in my name an i see 34 hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX was not helpful to resolve. This matter XXXX and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXX XXXX, and XXXX, help these fraudulent people to create an account they must be hold accountable for their actions
Consumer complaint received 2024-06-20
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. (TX)

I purchased a t.v from XXXX for XXXX and put it on my Citi card on a flex pay plan on XXXX and it arrived on XXXX. I didn't know it was broke right away because the day they delivered it, they slid it in my front door and propped it against the wall. I had to wait until my father came to visit to help me put it up. It was an XXXX t.v. The t.v box had a hole punctured in the box, and where the hole was at the screen was cracked. We took it out and plugged it in and it didn't work. I called the company that delivered it and they said I had to call XXXX. XXXX didn't help and so I filed a dispute with my credit card company. They rejected the dispute and wouldn't give me a reason. I called XXXX, assuming that the money for the t.v was being held and they said it had already been refunded. I called Citi and they said no refund was issued. Meanwhile, the t.v was boxed back up in the original package and it was picked up on XXXX XXXX. The XXXX  tracking number is XXXX.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

This complaint regards fraudulent ATM withdrawals that appeared on a Citibank personal checking account after returning from a trip to XXXXXXXX XXXX XXXX 

Timeline : - I returned from a trip to XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I used my ATM card only once during the trip, at an ATM in the airport in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- From XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX separate ATM transactions appeared originating in XXXX XXXX, totalling {$1400.00}. ( See attachment ) - On XX/XX/year>, I contacted Citibank to report the fraudulent transactions. 
- In a letter dated XX/XX/year>, Citibank informed me of the decision not to reimburse me for these transactions. 
- I attempted to appeal the decision, supported by evidence from the ATM transaction record, which shows that I had used the ATM card on three occasions in New York XXXX during the period when the fraudulent transactions were occurring in XXXX XXXX, XXXX. ( See attachment " citi-ATM-transactions-good ''. ) I thought it sufficiently obvious that I can not have been in New York and XXXX XXXX on the same day several times. I can provide my passport to document that I have not returned to XXXX since XX/XX/XXXX. 
- After several attempts to appeal the decision, I was told I can not appeal but can make a second claim. I did so on XX/XX/XXXX. 
- On XX/XX/XXXX, I received a letter informing me that the appeal was again denied. 

I can provide citibanks investigation case reference numbers, and my account number if needed.
Consumer complaint received 2024-06-20
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: GOLDMAN SACHS BANK USA (IL)

I used my Apple Card at the apple store for a purchase. The product had a 6 month - we replace it, no questions asked guarantee. 4 months later, I presented myself and the defective product at the apple store and was rebuffed because I did not have a paper receipt. While at the store I called Apple Credit card and had them verify the date of the purchase, but alas since I didn't have the paper receipt I was rejected from exercising a warranty claim. This should be real simple given everything is electronic today. Apple store, apple card, apple product. Use electronics to verify I did make the purchase and then effect a warranty, but it didn't happen this way. Can the CFPB please pull the audio tapes of my numerous conversations with Goldman Sachs/Apple card and test my veracity? Goldman will not allow me to hear the tape. I do however have a text thread I can send which validates my position as true and correct. Pull the records and put some sunshine on them. I have submitted required pictures and documentation 3 times. Basically I feel Goldman Sachs is thumbing their nose at the law and challenging me to seek remedies with the CFPB.
Consumer complaint received 2024-06-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glacier Bancorp Inc. (MT)

On XXXX, I recieved a summons for a lawsuit in regards to a debt that I had asked XXXX XXXX XXXX to verify initially, I had not recieved that initial information.

The money that is believed to be owed was initially from First Security bank of bozeman.

Other information to note : Under federal law, under the general provisions of Gram Beach lilley act, banks are not authorized to disclose information to non affiliated companies, or must disclose what information is shared with companies. First Security Bank states on their website that they do not share with non affiliates. Therefore it is reasonably presumed that this company had obtained personally identifiable information protected under GBLA and financial privacy act of 1999, and the debt collector should not have been authorized to recieve that information because it is protected under federal law and the provisions set forth under federal law. Under FDCPA, XXXX XXXX XXXX must warn before attempting to sue, this can be found under 15 USC 1692 para 3. There was a current cease and desist that was not written in disclosure, but stated verbally. That does not invalidate the need to establish the invoking of legal remedies set forth in federal law under FDCPA.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
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)

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (FL)

NOTICE * XXXX XXXX XXXX XXXX * NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to SPRINGOAKCAP that your institution has not conformed and is currently reporting to the credit bureaus in non-compliance with the following XXXX XXXX XXXX XXXX statute ( s ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX, HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from your institution as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out of my personal information from being shared w/ 3rd parties. So why does SPRINGOAKCAP, a non-complaint institution, continue to report negatively on my credit profile and put my privacy at risk? 

Until compliance with Sec. 6802-6803 of the XXXX can be proven and substantiated, I DEMAND that SPRINGOAKCAP PERMANENTLY DELETE the following account ( s ) within 24 hours and forward to me on company letterhead proof of this occurrence to the address above. 

By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ).
Consumer complaint received 2024-06-20
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: CORELOGIC INC (NY)

My name is XXXX XXXX, I recently looked at my credit file an notice some inquiries that I never authorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX. XXXX : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Core logic XXXX. I submitted an Ftc report notifying credit bureaus of unauthorized inquiries. I didn't give permission to run my credit is a violation of the FCRA and want these removed immediately. each violation will be XXXX each