davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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. (FL)

Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and emotional distress. I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. I request that you thoroughly review this information and take immediate action to rectify the situation. The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable stress and anxiety. If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX BANK XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-07-24
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: EQUIFAX, INC. (OH)

I have fraud alerts on my credit files with all 3 credit bureaus and I placed a freeze on my Equifax credit report along with locking my XXXX and XXXX. On XX/XX/2018 I was notified by XXXX   for an account that was flagged and placed on my credit report. This account was XXXX XXXX. I immediately disputed the account as fraudulent with all three bureaus. Equifax refuses to delete the fraudulent account even after submitting my identity theft report to them. I was never notified of this account by Equifax not was I ever sent a bill summary showing or a notice of my rights to dispute. I have disputed the account countless times with Equifax, I recently received mail from Equifax stating they wouldnt reinvestigate the account any further. I have also sent my Identity Theft report to XXXX XXXX. Equifax is now ignoring any further communication with me as a result of me disputing the account. I have sent certified mail to them of my identity theft report along with the letter the FTC told me to send including copy of credit report, drivers license, social security card and proof of residency. I do not have the right to be ignored by this credit reporting agency for thier poor job into the investigation of this account that is known the be from identity theft. I have submitted to them proof.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CO)

I am writing to urgently address a severe issue regarding my account with Wells Fargo. On XX/XX/year>, I contacted Wells Fargo to report suspicious activity in my account. In response, I was informed that my current account would be closed due to this activity, and a new account would be opened promptly with my existing funds transferred. 

However, on the same day, a family member sent me {$330.00} via XXXX, which never arrived in my account. Despite my family member 's attempts to cancel the transaction, they were informed by their bank that the money had been received by Wells Fargo. Subsequently, on the morning of XX/XX/year>, I received an email notifying me that my account had been closed due to suspicious activity, and that my funds would be mailed to me within 14 business days. 

Understanding the urgency of my situation, I promptly visited a Wells Fargo branch where I was informed that my account had been compromised, and that my funds were being held due to fraudulent activity involving XXXX XXXX  checks. The branch associate let me know these cases were very common and I was his fifth similar case in just the morning. This news was alarming, especially given the scale and reputation of Wells Fargo. 

Despite assurances that my funds were visible and accessible, I was ultimately told that I would need to wait for a check to arrive at my home address, a delay that is completely unacceptable under the circumstances. This situation has left me unable to pay essential bills, including rent and utilities, and I am deeply concerned about accumulating late fees as a result of Wells Fargo 's handling of my account. 

I demand immediate resolution and request that my funds be released without further delay. I urge Wells Fargo to take swift action to rectify this situation and ensure that customers are adequately protected from such breaches in the future. 

Please contact me at your earliest convenience to confirm that my request for expedited resolution and extension of bill due dates has been processed.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (PA)

I realized that my credit was stolen when I got a call from TD card services requesting that I call them back regarding a credit card application I applied for due to me having an alert on my credit account asking that I be contacted prior to anyone opening credit in my name due to fraudulent XXXX XXXX XXXX credit card being opened in XXXX XXXX XXXX. I then looked at my credit report and noticed a few credit checks and called the banks on XX/XX/XXXX to let them know they were fraudulent and to not process those credit applications and then froze my credit. I was able to reach XXXX, XXXX XXXX, XXXX XXXX and TD bank before they approved the applications and they were all marked fraudulent. These are all still marked as hard inquiries on my credit report even though they are marked as fraudulent. I have been unsuccessful removing them from the creditors via dispute and contacting the credit card companies directly. The hard inquiries on my report from XXXX XXXX XXXX are XX/XX/XXXX and XX/XX/XXXX ( from when the unauthorized credit card was opened ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and TD Bank Target XX/XX/XXXX.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XXXX I took {$12000.00} in money orders that I personally purchased to Huntington Bank so I can open a checking and savings account. By XXXX I did not have access to my money after I called customer service I was told they was waiting to verify my checks. By XXXX I was told my account has been closed and they would be sending me a check no later than 10 business days I let a month go by and called on XXXX and was told I needed to bring proof than Im the owner of the account to the bank after I did so they gave me another 10 days to wait and they will contact me I never got contacted so I went up there again XXXX and was told I need proof that purchased the money orders and I brought the proof back the XXXX fast towards to today XXXX I go to the bank and I was told they sent the money back to XXXX XXXX and I have to figure out how to get it from them, this has been dragged for 4 months just for me to lose all of my money and not to mention all the bills I fell behind on and the home opportunities I missed
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-06-27
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: U.S. BANCORP (MD)

On XX/XX/year>, I was in XXXX XXXX, XXXX on vacation. I ate at a restaurant where two men approached me, claiming to be employees. I asked for a menu, but they said there wasn't one and asked what I wanted. I ordered shrimp with rice and a passionfruit juice. When I tried to pay with my US Bank XXXX credit card, they said their system was down and we needed to go to a nearby merchant to process the payment. 

On XX/XX/year>, I discovered they had charged me {$300.00} for the meal. Assuming it was an overcharge, I submitted a dispute to US Bank. They categorized it as a mistaken overcharge and sent paperwork for me to complete. After filing the dispute, I researched and found this was a common scam at that beach. 

I collected news articles and trip reviews about similar scams and submitted this information to US Bank on XX/XX/year> ( file attached ). 

On XX/XX/XXXX, the charges reappeared on my account, so I called US Bank. The representative asked if I had received a resolution letter, which I had not. She said the charge would be credited back, but it never was. 

On XX/XX/year>, I received a letter stating my dispute was denied due to insufficient information ( file attached ). I called US Bank again and was told they would request to reopen the case and recategorize it from incorrect amount to fraud. However, nothing happened, and the charge remained, accruing interest. 

I followed up on XX/XX/year>, and was told the case had not been reopened or refiled correctly, but another request would be made. 

On XX/XX/year>, I called again and found the case still hadn't been properly handled and was still not reopened/recategorized. I spoke to a customer service supervisor who explained : 1. Dispute representatives can not remove charges or reopen cases ; they can only request case managers to do so. This had not been explained to me, so I thought my case was being processed.

2. Case managers can't receive inbound calls, even from dispute representatives ; requests are submitted electronically and no follow up information is available to the dispute representatives.

3.I would have 
to wait for a call back from a case manager supervisor. Previous call attempts were made when I couldn't answer, and no messages were left. I explained that as a full-time worker and student, I can't always answer calls. The representative told me to prioritize the call but could only give a window, not an exact time.

I am stuck in a loop of inaccurate information, dead ends, red tape, and dysfunctional processes. I feel US Bank allowed me to be scammed, and I plan to end my business with them. I recommend the CFPB investigate this and advise consumers to avoid their financial products.
Consumer complaint received 2024-07-31
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. (LA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CITIBANK, N.A. (SC)

In XXXX, we refinanced a HELOC we took out originally in XXXX. The refinance was handled by Citibank. Citibank did not satisfy the original loan of {$26000.00} therefor, there is a lien showing up against my home and I am unable to refinance my current mortgage. I have called numerous times and they tell me the only thing they can provide is the satisfaction for the refinanced loan of {$28000.00}. Citibank had to have paid off the original loan in order to open the refinanced loan.
Consumer complaint received 2024-06-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc. (FL)

The first person who called me told me I needed to pay them the full amount right now on the phone, when I asked about a payment plan, she laughed at me, so I hung up. They threatened me saying if I want to avoid legal actions, I better pay, I've asked them to send me proof, to not call me anymore, they call me multiple times a day. I was dealing with a personal issue, so today a friend answered the phone for me, when the person who called me today ( XXXX ) asked for me, never said you're speaking to me, when I asked who was calling, the debt collector proceeded to say that this is for the debt with XXXX XXXX. When I informed the person that I never stated that she was XXXX XXXX, asked to speak with a manager, she hung up on me. I've also asked several times for the agency to send me something in the mail, which they never did.
Consumer complaint received 2016-08-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (AL)

I was terminated from my XXXX job & due to the loss/decrease of income, I applied for a modification. Prior to, I had NEVER been late or missed a payment on my mortgage. Nationstar mortgage declined the modification 3 times & sent me a letter that they were foreclosing on my home. The letter stated the sale date was XXXX/XXXX/XXXX. I went to XXXX for assistance, and was told they did not understand why the modification was denied. After XXXX re-applied for the modification for me and it was denied a 4th time, I had no other choice but to file Chapter XXXX on XXXX XXXX, XXXX ( due to XXXX holidays ). However, on XXXX XXXX, XXXX I received a call from Nationstar. The customer service rep stated XXXX XXXX XXXX ( the person that was handling my modification ) no longer worked in that department, but my modification had finally been approved. I explained that I had Just left the attorney 's office to file bankruptcy, to stop the foreclosure and I would need to contact my attorney to see what to do. XXXX XXXX ( my attorney ) advised me to get something in writing, or by email, to verify the modification had been approved, before he cancelled the bankruptcy proceedings. Nationstar refused to give me anything. In XXXX XXXX, they sent me paperwork to complete a 3 month trial period, before the modification would be finalized & approved. I paid all 3 months, completed the " finalized '' modification paperwork & have paid ON TIME every month since XXXX XXXX. My attorney has informed me that once I receive finalized paperwork for the modification, I can convert to Chapter XXXX, or have my bankruptcy dismissed ( since the foreclosure was the reason I filed ). To date, I STILL HAVE NOT received a finalized modification! Every month I call to pay my mortgage and I inquire on the paperwork. Each time I am told it has to go for " booking '' and once this is done, they will send it to me. I do not understand why it has taken over a year and 6 months, and I STILL have not received these papers?!
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IA)

I got a voice mail on the XX/XX/XXXX XXXX from someone with the he last name XXXX he said that someone is making a complaint against me so I called the number he gave me on voicemail.They said they were filling a lawsuit against me for Debit that I owed XXXX XXXX. Back in XXXX year. I told them that was not me I never had a XXXX XXXX card with them in XXXX. But they have all my information my maiden name and Social Security number my address my phone number and birthdate. I did not answer them when they asked if that information was right XXXX told them that debit is not mine. They called me a lier and they were going to put a lawsuit against me and levy my Bank account and put a judgment against me. And said there would be a certified letter coming to me in about 10 days.I really could not say much XXXX XXXX would not let me talk .The name of the company he said is XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I am writing to complaint to USAA FEDERAL SAVINGS B about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/1977. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (FL)

Complaint Reference:XXXX The complaint filed by me XXXX XXXX pertains to an Apple Card account that was opened without authorization, indicating that this is a case of identity theft or fraud rather than an error by the bank. The customer disputes liability for the account and any associated charges, as the account was fraudulently opened. 

PLEASE SEE ATTACH The bank 's response does not address the fundamental issue of potential fraud. The customer requests a detailed investigation into the fraudulent activity, provision of all supporting evidence, and appropriate action in accordance with consumer protection laws. 

14 DAY NOTICE BEFORE I SEEK LEGAL ACTION AGAINST YOU
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NY)

Jefferson Capital Systems , LLC, I am aware that the statute of limitations for this debt has expired and that you may not be licensed and bonded to collect debts in New York. Your continued collection attempts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and New York state law. I request that you cease all collection activities and provide written confirmation of the same.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

This is a basic complaint it does not require dates and amounts Bank of America has taken away the ability to set custom amounts to be paid on the auto pay feature. By doing this and limiting your options to just paying the minimum due or the entire statement balance and as a result are trying to keep people in debt. I feel that a vast majority of consumers will choose the pay the minimum option ( because they have no other choice ), while thinking they will just log in and pay extra manually each month. I believe Bank of America is banking on them forgetting to do that and keep them in debt that much longer. I feel this is predatory banking and should be illegal XXXX XXXX
Consumer complaint received 2024-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc. (NY)

On XX/XX/24 I attempted to wire transfer {$4800.00} from my bank to my coinbase account. My bank claims the transfer went through, while I received nothing on the coinbase end. I tried verifying my ID to resolve the issue, but never received email confirmation of verification. Also the link provided by coinbase for verification is invalid. When I call customer service they say that my account has an owed balance which is restricting my transaction, but when I check the balance it shows no indication of money owed. Please help me resolve this asap. Thank you.