davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 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
Consumer complaint received 2024-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (FL)

This all started my 1st loan Mod, where they said if I paid for 12 months, they would take XXXX off of the total, unfortunately I tried to make my payment on-line and was denied this opportunity, I called approximately 15 times trying to at least unlock my online account to no avail, I spoke to a supervisor, that was very rude at the time and they told me there was nothing they could do about it, I immediately assumed something was wrong, especially since Wells Fargo would be $ XXXX liable, this figure would have sufficed at the time an brought me current and I would be on on schedule to make all of my necessary payments to keep current with my mortgage, I know, if provided the opportunity this could all have been alleviated and I have spent a lot of money trying to rectify this entire situation and I know I have been treated very unfairly during this whole process since this entire issue transpired. I feel they were not dealing with me because they did not want to honor the government money they were going to, or did in fact receive on my loan, I think this should be investigated as a side-note. I would appreciate someone reviewing all of my documentation that I will be uploading that I spent the past 6 hours putting together, as well as the 100 's of hours spent getting information together for court cases, XXXX XXXX filings, and documents needed to not only obtain a lawyer, but to provide al of the necessary documentation to continue this course of action to keep my home. After this whole ordeal, they sold off my mortgage to XXXX they refused to work with me as you will see from all of the attachments I will include in this complaint/notification, I am always available for any questions or concerned via email and this information can be found on my login information.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 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. section2 : 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 wich 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 2024-04-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LoanCare, LLC (MI)

Hello! 

I applied for an assumption with Loan Care on XX/XX/XXXX via their assumption app they sent me in XXXX. I submitted the application to their email XXXX. I got a response indicating that they received the package, however three weeks later i still hadnt heard anything on the next steps or how to navigate the process. I called and a rep told me that they didnt see i sent anything in, and she would have to submit a assumption request and then in 30 days someone would mail me out a assumption package. I told her i already sent the package in that was sent to me last year, she said she has no record i sent anything in and this is their process. I asked her to have a supervisor call me back.

The next day a supervisor called me back and told me to email them again to the assumptions email box, even though the inbox states it is not for status updates only document submissions. she said this was the best advice she could offer me, and so i sent another email stating i was following up. 

I have still not heard back, and am in urgent need of this assumption package to start its review.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In reviewing my records for XX/XX/2023, you are reporting I was 30 days late. 
This is not correct. In XXXX I was released from the hospital and paid the bill immediately. I made the payment exactly 10 days after the due date NOT 30 DAYS.
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Synergetic Communication Inc (NJ)

Synergetic Communications Inc contacted me on behalf of XXXX XXXX. I have been having them take {$50.00} out of my account each month from SSI payments. When my SSI payments stopped I contacted them to ask them to stop taking my payments sending emails showing my SSI payments have been stopped. I was hung up on three times and no response to emails from XX/XX/XXXX and XXXX. I want this complaint posted PERMANENTLY so anyone who does business with them will know who they are and the tactics they use. I even emailed them stating would be filing a complaint against them and no response. I am hereby rescinding authorization to withdraw monies from my account. Since they hung up on me three times they are to NEVER EVER call me at any number EVER again. My bank refuses to stop the payments since they are ACH.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



Re : Dispute of XXXX Account XXXX XXXXXXXX Dear XXXX, I am writing to dispute the collection account referenced above. I believe that this collection account has been placed on my consumer report in violation of several federal regulations, and I request that you immediately remove it from my credit report. 

Violation of XXXX CFR XXXX ( b ) ( XXXX ) : Your agency has failed to provide the required validation information for this debt. According to XXXX CFR XXXX ( b ) ( XXXX ), you are required to furnish detailed validation information before reporting this debt to any consumer reporting agency. 

Violation of XXXX CFR XXXX ( c ) ( XXXX ) ( i ) : I have not been given an opportunity to dispute this account. Under XXXX CFR XXXX ( c ) ( XXXX ) ( i ), consumers must be given a reasonable period to dispute the validity of a debt before it is reported to consumer reporting agencies. 

False and Misleading Representations : Your agency is in violation of consumer rights by using false, misleading, and deceptive means to collect this debt. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of XXXX XXXX XXXX ( d ) and 15 USC 1681s-2 ( a ) ( XXXX ) ( A ) : Your agency has no authority to furnish information about this account to any consumer reporting agency without providing all the required disclosures. By failing to do so, you are in clear violation of XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). 

In light of these violations, I demand that you immediately : Remove this collection account from my consumer report. 
Cease all collection activities related to this account. 
Provide me with written confirmation that this account has been removed from my consumer report. 
Please treat this letter as a formal dispute of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Failure to comply with these requests will result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action. 

I appreciate your prompt attention to this matter and expect a response within 30 days. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (WA)

Chase, I believe in a discriminatory manor, closed my personal banking account. I was not told why, I was not informed why and when calling in, I am told it is a internal matter and the bank can not inform me why, this of course is illegal pursuant to 15. USC 1602. They have denied me access to my credit by closing my XXXX credit card which was in good standing with no missed payments. Additionally, they have discriminated against me in opening a new account but wont inform me to why. Multiple account managers I spoke to told me they had not seen anything like this before. I was told I could open my non profit account then when I came in to do so, it was shut down again. I can not fathom why the bank would treat a 100 % XXXX XXXX  which such malice. If they do not restore my accounts then they have violated federal code 15 usc 1691. Additionally, they have violated the Fair Credit Act.

I ask for accountability.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (UT)

I was very disappointed how US bank handled the situation I had problems with US bank a long time ago and they are just arent a good bank to bank with charge a ton of fees so I had issues closing my account so I had my father who is no longer with me close my account and went to a different bank they just werent very helpful the people at us bank werent very nice just wanted to let you know how we were treated I wish us bank could have handled things better hope this wont happen again and it wont because we wont be doing business with us bank at all
Consumer complaint received 2024-07-15
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: BARCLAYS BANK DELAWARE (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (FL)

My husband who died was enrolled in a life insurance policy from Wells Fargo called the XXXX product with the effective dates of XX/XX/XXXX thru enrollment period of XX/XX/XXXX. During that time the policy was in full effect and my husband passed away. XX/XX/XXXX is the date that he passed away. The face amount of the policy is between {$5000.00} and {$25000.00}. I, the widow have requested from Wells Fargo to payout the policy. Wells Fargo has admitted to the policy in effect during that time however they refuse to honor the policy, to payout any payments to the beneficiaries and they refuse to mail me a copy of the policy.
Consumer complaint received 2024-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I went online and thought I was talking to a XXXX rep who they identified as but according to my billing statement it was not. I advised I was taking the dog and if I could book him now with my ticket and they said yes, but it would be under two different charges so I agreed thinking that the dog was booked for the fair when I got to the airport they told me no you can not book an animal through an agency so when I got to the airport, they canceled my original flight for that day and re-issued a ticket but told me to go after XXXX XXXX to get my refund for the booking of the dog in which I tried to call, they answered the phone and told me that the individual that made the reservation had to call me. I asked why and thats all they said so left my number. They never never called contacted Capital One and advised them and as of this date have sent him numerous information like Im sending you with no response as of XXXX. They still have not even contacted XXXX for my refund.
Consumer complaint received 2024-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (OH)

I received a letter notice of debt collections. 
As I was looking through the letter for ways to dispute the debt and ask for verification and proof of it, I noticed they said " We accept disputes electronically at www.ccspayment.com. '' As I went to look, there is absolutely NO way to dispute it online. They have a shady, bare bones website and it doesn't seem legitimate at all even though I could log in to see the debt. 

They just lied about that. Kinda scummy.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

This account was paid in full by the previous owners XXXXXXXX XXXX XXXX  by the due day of XX/XX/XXXX and an additional payment was made by me before the due date. Im requesting that the 30+ days late to be removed from my co borrower and my credit report immediately. We never been 30 day or more late why would we be 30 days at pay off time? I lost XXXX points on my credit report due to this misinformation and my co borrower lost XXXX points due to this we ask that XXXX  XXXX remove the 30 day late so that we can continue with our lives with our credit report without this blemish. I will enclose documentation that will support my claims I take my credit and credit report serious and Im responsible with my credit, this 30days late on my credit report stops me for doing anything with this blemish from XXXX XXXX. I cant see how they were able to put a 30 day late on an account that was reported closed last month and removed off of my credit last month that I filed an dispute and got the account removed myself and it was Successfully removed XXXX 30 day late pop up from a successfully removed account.
Consumer complaint received 2024-06-22
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: WELLS FARGO & COMPANY (CA)

Months back, start of the year or so... I had a random amount charged to my card. I thought it was {$7.00} or something, but when I talked to the XXXX rewards lady the other day, she told me that it was around {$11.00}. The amount is trivial, I can pay that easily - but this amount was charged in XXXX. I have not been in XXXX XXXX XXXX 

Please do NOT zone out yet - because this is the important part. The part that I actually care about ( who cares about a closed credit card account, I'm moving on, XXXX this XXXX company ) ... .... 

THE IMPORTANT PART IS THAT I AM NOT THE ONLY ONE... 

I randomly brought this up to a friend who knows credit cards.. and he says that Wells Fargo pulls this with their XXXX  cards all the time. 

If me and some random friend had it happened to them, it is probably massively widespread. Wells Fargo has done lots of dirty nasty shady things in the past.
Consumer complaint received 2023-08-02
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. (GA)

on XX/XX/23 XXXX and XXXX failed to removed inquires and negative listed things of credit reports that were unauthorized and they have also stated that have disregarded my initial complaints have not removed what i demanded as fraud
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I am writing this letter in my last attempt to DELETE and correct some personal information constantly reporting and still damaging my profile. My CURRENT AND ONLY ADDRESS is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI, XXXX. MY CURRENT TELEPHONE NUMBER IS XXXX. MY NAME IS SPELLED XXXX XXXX XXXX and no other way. I ask you this one and final time to PLEASE REMOVE ALL AND ANY ERRONEOUS ADDRESSES, TELEPHONE NUMBERS, AND OR ALL OTHER NAMES, THAT ARE ASSOCIATED AND ARE STILL REPORTING ON MY CREDIT REPORT. PLEASE AND THANK YOU
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: EQUIFAX, INC. (TN)

I reached out to the reporting agencies online to get a copy of the information from my credit reports and XXXX XXXX report. I was sent a reply from the company stating they could not send me any information. I reached out on two separate occasions and both times I was denied documents. The improper reports are creating identity theft situations well as fraud occurrences that is creating financial incorrect information that is causing incorrect assessments making any payments as a result of the inaccurate report excessively elevated causing financial hardship as a result.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America takes over 1 hour to answer a customer service call. Bank of America put a 7 day hold on a deposited check. They refuse to address the issue by saying they have no power to address the issue and long unjust hold. Bank of America also lied on release hold date from receipt issue at branch compare to online info.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that the credit Bureaus 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 they 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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Charge Off : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXXXXXX Balance Owed : {$58.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$480.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (TX)

Nordsrtoms account was charged off and than transfered to XXXX XXXX to chase us for money owed. We paid XXXX Account off and Nordstoms won't clear the balance to show XXXX  on their end. This is severley impacting my credit score