davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OK)

On Friday, XX/XX/year>, US Bank locked the bank account for my nonprofit, preventing me from logging in online or via the mobile app and preventing me from accessing my balance. I called the bank 's customer service line and they told me the account was " flagged for closure '' and I would receive a letter via US Mail along with a cashier 's check for my balance. I have never received the letter or the cashier 's check. I have called the bank and the branch assigned to my account seventeen times over the past two weeks and spoken to multiple representatives. They will not escalate me to a supervisor or provide any additional information. They say I just have to wait to receive the letter and the cashier 's check for my balance. When I call the branch manager assigned to my account, I was able to speak to him one time to explain and he said he would get back with me before the close of business on the same day. He did not contact me that day. A few days later, he emailed me a screenshot of his internal system without an explanation and said he was going to escalate it further for more information. That was seven days ago and I haven't heard anything since. When I call him now, I always get voice mail and leave messages but he doesn't return my calls or my emails. I have called him several times. One time he asked me to hold and left me there for more than 15 minutes without ever returning. Another time I tried to call him, he hung up on me immediately after he answered the line. I have tried multiple other customer service numbers without any success. One of the bank representatives I spoke with told me a check I deposited on XX/XX/XXXX has " been returned '', but that's highly unlikely since the company who wrote it to me is a very large corporation with plenty of funding. If it is true the check was returned, that's okay but I need to have that information so I can go back to the company and ask for a replacement. Unfortunately US Bank won't give me any further information. They've seized my account and are holding all the funds ( even those unrelated to the deposit in question ) without any explanations or resolution.
Consumer complaint received 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC (NJ)

I'm requesting another 3 months forbearance. I have requested online on the phone and UWM says they will send decision in the mail I have yet to receive any response. 

I also messaged them on the online messages and they have yet to respond.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (AZ)

I received a letter from Barclay Card US on XX/XX/year> that they closed my account due to inactivity and I have 90 days to use my points that left. 
I called them on XX/XX/year>. Asked how they could close my account without my knowledge or permission. They stated they sent me a letter bank in XXXX letting me know if I do not use the card they will automatically close my account. I explained to them that I did not receive any notification and I also explained to them that it wont be in my favor to ignore such letter, because this is my first credit card and closing it will effect my exceptional credit history. They stated they can not do anything to me and the best they can do is to apply for a new one. I explained that this was not in the terms and I never made aware of such action. Never knew that I could lose the account if I do not use it. I also explained to them the points worth {$12.00} and they are under the amount that is available to redeem and I will lose them in this case. They stated they can not do anything for my points.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NC)

Upon a recent examination of my credit report, I have identified multiple billing errors pursuant to 15 U.S. Code 1666 ( b ), specifically : 1. The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on the statement 2. A computational or similar accounting error on the creditor 's statement.

Moreover, the creditor did not provide the legally required 21-day notice prior to the statement, resulting in improper late payment recordings on this account. I hereby demand verifiable documentation from the creditor 's financial records substantiating that I failed to make these payments on time. It is evident that this constitutes a billing error.

The following items must be amended to " Paid as Agreed '' on my consumer report : 1 ) Payment Status for Month of XXXX, 2019 2 ) Payment Status for Month of XXXX, 2019 3 ) Payment Status For Month of XXXX, 2019 Pursuant to my rights as a consumer, I demand that these remarks be updated or deleted immediately. Due to these incorrect payment reports, my ability to obtain new credit has been severely limited, hindering my efforts to improve both my life and my children 's lives. Non-compliance will compel me to seek monetary compensation for this violation under 15 U.S. Code 1681n ( Civil Liability ) in small claims court.
Consumer complaint received 2023-06-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX
Consumer complaint received 2023-09-18
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$69.00}, XXXX XXXX XXXX XXXX  XXXX : {$5000.00} XXXX ( Original Creditor : XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
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. (NV)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

With no notice or justified reason, Wells Fargo ended my banking relationship and closed my checking, savings, and credit card accounts. The banking relationship I had with Wells Fargo was established when I was a minor and had continued until their unjustified closure of my accounts. I have a great credit score, have not deposited any items which have been returned, nor have there been claims filed against me or my accounts. Additionally, there have been no transactions on any of my accounts which violated the Deposit Agreement with Wells Fargo or any federal banking regulations. 

While I understand the Deposit Agreement states Wells Fargo may close an account for any reason, that piece of the disclosure does not exclude Wells Fargos adherence to federal banking regulations, specifically the FTCs Unfair, Deceptive, Abusive Acts or Practices ( UDAAP ) regulation. Closing a consumers deposit account without sufficient notice creates injury the consumer could not reasonably avoid. While Wells Fargo refuses to disclose the basis for account closure, publicly available consumer complaint data on the CFPB website shows this is not an isolated incident. In fact, the data shows this is a common complaint theme related to Wells Fargo and has been on the rise in XXXX. Additionally, a financial institution refusing to disclose the justification for terminating a customers account is problematic as it allows the institution to hide behind such reasoning when in fact, their reasoning could be discriminatory in nature or a blatant violation of federal banking regulations. 

I look forward to a thorough response from Wells Fargo into this complaint and not simply a letter containing scripted verbiage. Please contact me with any questions.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (VA)

American Express is reporting on my credit without any evidence that I made the charges they said I made. I've asked them for proof that charges were mines and they never gave it to me. I asked for my signatures that are on the transactions they said are mines and they refused to send to me. They have not validated their claim pursuant to 15USC 1692e ( 809 ). They are reporting on my credit without validating the loan and that is against 15USC 1692e 2 ( a ), 15USC 8.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

A wire from the XXXX XXXX was sent to our account : XXXX XXXX XXXX forXXXX. Unfortunately the last 4 digits of the account got mixed up and was noticed and the originating bank tried calling it back. Chase, eventhough the name on the wire didn't match the account name put it in someone else account and refused to allow chase to take it back. Chase investigated and sent us a letter saying CFPB or FTC or FBI needs to handle it.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

As of XX/XX/XXXX I noticed on my Equifax credit report that accompany known as XXXX XXXX that provides personal loans opened up to new personal accounts on my Equifax credit report which knocked my credit score down by XXXX XXXX. These XXXX XXXX personal loan accounts were closed back in XXXX when I filed XXXX  XXXX bankruptcy. Looking further on my credit report, these accounts are showed as being closed. Yet XXXX XXXX went ahead and re-introduced them on my Equifax credit report showing them as open. This is absolutely false information and two years later they decide to put these XXXX XXXX XXXX personal loan accounts onto my Equifax credit report? No other account that I had closed due to my bankruptcy has done that. So two years later after early XXXX when the XXXX XXXX accounts were included in my bankruptcy XXXX  XXXX and were closed all of a sudden now theyre re-adding them on my credit report as open? This is incorrect and unfortunate and has greatly harmed my credit score by dropping it XXXX XXXX
Consumer complaint received 2024-08-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a phone call from phone number.. ( XXXX ) XXXX, stating that they were working with a lawyer and they are notifying me that I was being sued for a personal loan from Bank of America in the amount of {$10000.00}. That this was them giving me notice that I have been served. They stated that they had gone to my residence multiple times and they were unsuccessful. I was given a number ( XXXX ) XXXX claiming they were an attorneys office. I called the number and I was told that they were willing to do a settlement for {$3000.00}. I stated that I was not able to pay that amount & they stated that they would hold it until tomorrow and take the payment then. 

When I hung up I pulled my credit report and I have addresses that I have never lived at. I also looked at all my accounts and I did not see anything with. I tried to call again and they did not answer.
Consumer complaint received 2024-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (FL)

Response to Complaint XXXX : Since Newrez ( XXXX XXXX ) acquired my loan in 2023, their negligence and mismanagement have caused significant issues, with no resolution offered. This pattern of behavior suggests systemic problems within the company that warrant closer scrutiny and regulation.

Specific Instances of Negligence : 1. Documentation : Shell Point failed to confirm that all paperwork was accurate during the loan transfer. It is unacceptable that they attempted to verify documentation eight months later, coinciding with the policy expiration. Initially, they claimed, " We did not know which insurance carrier to contact, '' only to later state, " We tried to contact the insurance company ( last minute ). '' 2. Communication : Shell Point did not use the mortgagee clause to ensure timely payment, instead holding my escrow funds past the deadline without calling me. They had no problem aggressively pursuing me when they mistakenly thought I was behind in payments ( see complaint XXXX ). This same level of diligence should have been applied to disbursing escrow funds on time.

3. Escrow Funds : Escrow funds are meant to be managed by the lender, and it should be unlawful for a lender to hold these funds and miss payment deadlines. Shell Point 's mishandling of my escrow funds was negligent and unacceptable, causing undue stress and potential financial harm.

4. Responsibility : According to RESPA, lenders have specific responsibilities for communication and documentation. Shell Point failed to meet these standards, neither ensuring everything was in order nor effectively communicating ( calling ) issues to me. RESPA clearly defines the responsibilities of the new lender during a transfer, and Shell Point did not fulfill all obligations.

These incidents illustrate Shell Point 's inefficiency and lack of proper management, reflecting broader issues within the company. Numerous XXXX reviews indicate that my experience is not an isolated case, but part of a troubling pattern. Shell Point 's practices are unfair and detrimental to homeowners, highlighting a need for more frequent and thorough regulatory reviews to protect consumers.

In conclusion, Shell Point 's handling of my loan has been fraught with negligence and poor communication, leading to significant issues. Their practices should be reviewed more often to ensure fairness and accountability, preventing other homeowners from experiencing similar hardships.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/year> I contacted American Express to enroll in their hardship program to lower my minimum monthly payment to {$74.00} and per the agreement I had to make the first monthly payment on XX/XX/XXXX which was satisfied. The agreement states that the next monthly payment would be withdrawn on XX/XX/year> but Amex withdrew a payment on XX/XX/XXXX without my authorization which overdrew my bank account. I spoke with them 5 times and they put it in writing that they would refund me because it was a mistake on their end but I havent received a refund. Every time I call them they tell me a different story about refunding me and I even asked them to apply the refund to my upcoming payment. They also refused to pay the overdraft that they caused. They tell me that theyll have a manager call me and nobody calls and they refuse I return my money.
Consumer complaint received 2024-08-08
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MI)

My identity was stolen XXXX of this year 2024. 
Citibank issued a Home Depot Credit Card without verifying my identity in XX/XX/year>. 
Thief charged XXXX dollars for services not at my address in XX/XX/year>. 
Thief was arrested at Best Buy trying to open an account and had the Home depot card in his possession in XX/XX/year>. 
Thief is in custody. as of XX/XX/year>. 
I contacted Citibank and Home depot several times, with and without a XXXX representative Starting in XXXX of 2024. 
Acount is closed as of XX/XX/year>. 
Bills are past due and my credit report has a poor score now.
Consumer complaint received 2024-06-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (IL)

I have adverse collections on my XXXX Credit Report that I do now owe. Its from XXXX XXXX ( XXXX ) in the amount of {$4300.00}. I have never heard of this company before. It says it was opened in XXXX without my knowledge & was sent to a collections company by the name of Radius Global Solutions LLC in XXXX. I have never been contacted by neither & I havent contacted neither. I think its fraudulent because {$4300.00} in telecommunications doesnt make sense. Im currently trying to buy a home & this shouldnt be on my credit report because it doesnt belong to me.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My XXXX XXXX XXXXXXXX displays a revolving line of credit under name XXXX XXXX XXXX. Reported by XXXX. Bank of America account XXXX the amount is {$78000.00} and there was recent activity on account that was not me.