davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On Thursday XXXX XXXX I went to fifth third bank atm on XXXX XXXX XXXX XXXX XXXX IL XXXX to deduct {$540.00} from my account. The atm read an error code, did not dispense the cash, and didnt give a receipt. Immediately after I attempted a transaction to deduct {$50.00} which did dispense. The next day I checked my government ebt card and learned that the {$540.00} came out of my account but I didnt receive the cash. On XXXX XXXX I went into the branch, same location, and spoke with a branch manager name XXXX XXXX. She stated she would count the atm and get back to me by Wednesday. On XXXX XXXX I went to the branch to meet with XXXX, she stated the atm was not over and could not give me the credit to my account. She sat with me while I contacted the Illinois department of human services which she learned that they dont do investigations and the credit should come from fifth third bank since thats the atm owner. XXXX contacted me after leaving the branch stating I wouldnt receive my credit back and there was nothing she could do. I asked for her manager contact information it was not given to me, I am unable to find a cooperate office contact for fifth third. I have filed a police report regarding this matter as well.
Consumer complaint received 2024-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TX)

Requesting my mediation proposal {$4500.00} additional payment Wells Fargo account number ending in : XXXX Wells Fargo Mediation Program I have been completely dropped and said my case is close. I did not receive {$4500.00} and I continue to file complaints to YOU the consumer financial protection bureau with XXXX help. You send to WF and they contact me from a department that tells me that they are not the department to help me!
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WV)

Original debtor is XXXX XXXX XXXX  XXXX XXXX in the amount of {$480.00}, I never signed a contract with LVNV Funding LLC to collect a debt. I have asked for verification of debt owed to LVNV Funding LLC and I get back that it was Originally owed to XXXX XXXX.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

I sent a certified letter with documentation forms to LVNV Funding LLC on XX/XX/XXXX LVNV funding company signed the certified letter that they received it but didnt follow guidelines thats was on the documents that was send to them. They didnt filled out the documentation and send it back to me. Instead they just send a collection letter with attach this isnt proof debt on my behalf The documentation that I send to LVNV Funding needs to be filled out within 30 days and send back to me they fail to do that. So I will need this balance of XXXX remove off all 3 credit reports And also this balance is incorrect as well that XXXX XXXX is trying to collect i called XXXX XXXX and this closed this account in XX/XX/XXXX they still falsely was reporting to XXXX the statements that was send from XXXX XXXX XXXX XXXX  are incorrect dates and balance I will attach my letter that was send to LVNV funding and other attach for proof. And XXXX XXXX statute Law of limitations on debt is four years for unsecured loans, oral contracts, open-end accounts, revolving credit, promissory notes, and written contracts such as credit cards, medical bills, personal loans, etc
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLIANT CREDIT UNION (PA)

ALLIANT CREDIT UNION Account type - Auto Date opened XXXX XXXX XXXX XXXX Address ALLIANT CREDIT UNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Above Account created under ALLIANT CREDIT UNION without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please.

According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-06-06
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (FL)

I get a call from ( XXXX ) XXXX EVERY SINGLE DAY. It's usually around XXXX but rarely comes in the afternoon. They always leave a XXXX second voicemail. The message states that it's concerning a XXXX  account but I don't have XXXX  and haven't had an account with them for over 20 years. When I called the number back, it's an automated line and when I choose to speak with someone, it just hangs up. 
I've blocked the number so it no longer rings but that doesn't prevent them from leaving a voicemail every day so I still get the constant notification.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CA)

An account was opened fraudulently under my name and goods were purchased using my personal information without my consent. Ive asked for proof for I have not received any goods nor have knowledge of the purchases. Im a victim of identity theft and my accounts were misused. Ive submitted requested documentation from the bank themselves and have mailed them the same corresponding documents sent to the credit bureaus.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tiffany & Bosco, P.A. (AL)

This company reported false information of payment history on my credit report. They made several mistakes stating that I was behind on my mortgage and didnt make any payments at all. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I also have receipts attached from my proof of payments.
Consumer complaint received 2024-02-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

This is not the first time this has happened but this is the most recent. I received an American Express gift card for {$500.00} the beginning of XX/XX/year>. I have tried MANY attempts to use it to purchase things I need online with a constant DECLINED message from all retailers. Each time I attempt to use the card, and it is declined, the AMEX website SHOWS that the card was attempted to be used and deducts {$0.00} from my balance as a hold. So now instead of having {$500.00} to use, I have {$490.00} or {$490.00} etc... This then makes it extremely difficult to even ATTEMPT to use because if I try to use it for a set amount the balance available is constantly changing and I am losing money I could use on a purchase. I have tried purchases on websites like XXXX and XXXX, I have tried purchases for groceries online, I have tried buying gifts just to get it used and nothing works. I am tired of trying to spend money just for the sake of spending money, as the purpose of a giftcard such as this should be to use it for something I actually want to purchase without such difficulty. This is an absurd practice. I have called Amex and their solution was to wait 14 days for the giftcard to be " unlocked '' if multiple declines were occurring. I have waited. It still doesn't work. I have looked up multiple solutions online and there are a ridiculous number of complaints that are the same as mine, spanning YEARS. Amex gift cards are a waste of consumers money and more trouble than a gift receiver deserves.
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (MA)

I received an email on XX/XX/year>, XXXX from Nelnet XXXX that I was already behind in a student loan payment that was supposedly due on XX/XX/year>, but I never received information stating that I had any payments due at all, as my payments are {$0.00} currently. They said I owed money, but they never sent an email until I was overdue and late in payment. My payment plan went from {$0.00} to over {$400.00}. 

Upon calling Nelnet, they explained that there must be an issue with the loan, and it XXXX have not been updated in the new XXXX program. I asked for this to be emailed to me because I was still skeptical about this, considering that my account still says I am overdue for a payment. Instead of sending me information relevent to my inquiry and stating what they said on the phone, they sent me a generic email about how to reapply for a XXXX  plan. 

Now I am confused because on the phone it sounded as though they would fix things in due time and I just needed to be patient, but this email they sent in response to me wanting what they said in writing is now saying I need to reapply for an XXXX.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sequium Asset Solutions, LLC (GA)

I would like to file a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, and Sequium Assessment Solutions for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>
Consumer complaint received 2024-04-12
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (GA)

On XXXX the XXXX I made a payment of the full amount on my account, in order to purchase my house I needed a XXXX balance system from them, the app stated that my payment did not go through, so I called the number to make payments, and paid it that way. 
My statement balance ended up coming out of my bank account twice, I have discussed this with synchrony on several different occasions! My original balance was only around {$1100.00}, I was supposed to get sent a check from them to dismiss the other payment they posted to my account, I never received the check, I called back on XX/XX/XXXX to make sure it was taken care of and now I have an outstanding balance of {$2200.00}! I am a mom to XXXX babies under XXXX and I can not afford to pay for their mess!
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-06
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: CBC Companies, Inc. (NC)

The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately.Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor XXXX XXXX XXXX XXXX FACTUAL DATAXXXX
Consumer complaint received 2024-06-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION (TX)

I have applied for multiple loans from Lightstream ( AKA Truist ) throughout the years, with every application resulting in a decline. I have top tier credit, high income, seasoned employment history, below average DTI and plenty of assets. They always give the same denial reason even though Ive had all types of income. I believe this is now discrimination and violates regulation B of the ECOA. If you look at the reviews online, this seems to be happening to more and more people post covid. There is a good chance their XXXX are not complying with ECOA requirements. Me along with thousands of others now have to suffer from hard credit inquiries from these mediocre lenders. I will be filing the same complaint with my state attorney generals office and the FDIC. Thank you for your time.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo continues to report A fraudulent account that a was an authorized user account that I NEVER signed for. I have talked to XXXX at Wells Fargo several times about this issue and was told the error would be updated and removed
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I.C. System is sharing my nonpublic personal information with non affiliated third parties XXXX XXXX XXXX XXXX I.C. System does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2024-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I work for a XXXX XXXX, and we had a Refinance closing at the end of XXXX. On XXXX XXXX the file was funded and a Wire in the amount of {$170000.00} was sent to Select Portfolio Servicing to payoff the borrowers current mortgage. A payoff statement was obtained and showed that amount to pay the loan in full, good through XX/XX/24. 
XXXX, XX/XX/24 i was informed by the homeowner that the loan had NOT been paid at all and that Select Portfolio had not applied the funds to their loan. 
I contacted them first thing this XXXX  and was advised that my Wire sent on XX/XX/24 was NOT processed by them until XX/XX/24 and that the payoff was now short ( there was a tax disbursement ) by over {$2700.00} and that I needed to send the tax amount from my file which was {$1900.00} and now the homeowners need to send more funds to pay it in full as they have charged daily interest since! 
This is NOT the first time this has happened with this lender. They routinely HOLD payoff wires for up to XXXX business days for " clearing ''. This should not be allowed as these are certified payoff funds sent via XXXX  XXXX! The homeowners are being charged additional interest for days and days at a time when they shouldn't be!
Consumer complaint received 2024-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

I made a payment Rushmore servicing in the amount of {$8400.00} over the phone to bring my account current and advised for the Loan Modification to be canceled because I did not want it due to me bringing the account current. 
When I called to days later to verify that the modification had been canceled I was advised that it had not been so the gentleman was supposed to take care of the Loan Modification cancellation at that time. At that time I was given a new payment amount which was greater than my original payment, the new payment was supposed to be {$1100.00}, I explained that my payment was only {$1000.00} previously. Rushmore Servicing is stating that the insurance and taxes has gone up a second time. I advised that the the taxes can only go up a very small percent each year if it had increased because over {$110.00} seemed to be excessive. When I logged unto their system today XX/XX/year> to make the XXXX payment I was still showing on a modification with a minimum payment due of {$1200.00}. With this information showing it prompted me to call to see what was going on, the first young lady released the call. After getting someone else on the line, she could do nothing but apologize that the loan modification has not been canceled and to tell me it should have been completed by now but to give more time. I requested for loan assignee to give me a call along with requesting a review of my Loan and the Modification and fees applied. In the meantime I'm only paying the mortgage without the additional {$70.00}. I really need help or guidance because I believe this mortgage lending is setting me up for failure when I'm trying to do right by my loan. I really don't understand why my loan was transferred to this company anyway. I told the previous company that I was having XXXX  problems and even this company and it seems that they are taking advantage of my situation. 

I'm just needing guidance and help because I can't seem to get forward when I call to contact this company. 


Loan Modification... 

Fees {$70.00} ** Payment made XX/XX/year> {$8400.00} Expected payment {$1200.00} XX/XX/year>, Advised in XXXX the payment should be {$1100.00}
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (LA)

On Wednesday, XX/XX/XXXX I checked my credit scoring and saw a new inquiry with XXXX, this caused my credit score to drop XXXX XXXX  Most important I did not apply for this, nor did I apply for anything in the last 6 months at least. I contacted Comenity Capital/Good about this credit card application on XX/XX/XXXX and was notified they had nothing connected to my SSN or name. I then filed an online dispute with XXXX which they responded was legitimate on XX/XX/XXXX. I then called Comenity Capital/Good back on XX/XX/XXXX. They notified me I had nothing with them, and they could not give me any documentation since I had no account with them. I then contacted XXXX and spoke with them via phone on XX/XX/XXXX who stated they could not remove without documentation from Comenity. Now I'm in a situation where an inquiry is on my report which I didn't do and have no way to clear it. 

Everything listed above was cleared up previously with help from the CFPB, with both XXXX and Comenity realizing the error, however for some reason the inquiry recently re-appeared recently in the last week ( XX/XX/XXXX ) or so. I called Comenity and the representative said it was clear on their end, however XXXX allowed this to reappear as 2 hard credit inquiries.
Consumer complaint received 2024-01-26
Product: Credit card — Store credit 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. (NY)

on XX/XX/XXXX  there was a charge made for the {$1000.00} on XX/XX/ there was another charge for {$1200.00} I contacted credit company and specially told them i did not authorize these charges. 
I was told that i had to speak to fraud department as i did and answered all questions Told them card was in my possession at all times and DID not authorize the use of my card to anyone. They credited my account months went on and no issues. then i was charged backed saying that the chip was used and and i said it must of got duplicated not sure put again i did all that was asked from me and these has been months of wasted time. I have a XXXX credit score so i need this resolved and Help please as Citi has be doing nothing i need real proof