davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Mortgage — VA 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: WELLS FARGO & COMPANY (NC)

I received the covid mortgage assistance from Wells Fargo, but they did not close the payments I missed. They instead put the six payments on the missed payments I currently have, which made my payments further behind and more in amount. I have called numerous times starting in XXXX of XXXX and Wells Fargo employees in the re-entry and home preservation department are not assisting me. Wells Fargo employees from both departments are nasty and hang up the phone when I call. No one is willing to assist me with the loan modification or rectify the payments I missed from their covid mortgage assistance program. I fell on hard times and missed some payments but I want to stay in my home. Me, my wife and son would be homeless if Wells Fargo have their way. I believe they're trying to take my home instead of assisting me with the missed payments. This is a brief summary of what I've been dealing with, with Wells Fargo. I have been lied to and lied on by Wells Fargo employees. My wife and I are currently in bankruptcy and Wells Fargo are trying to remove the protective stay so they can take my house. Please help, my wife and I are XXXX. I'm also a veteran of the United States XXXX. I served and fought for my country.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I'm having a hard time making my monthly payments on credit card. The interest is very high and due to loss of income, I'm asking to make lower monthly payments or lower the interest amount. I received emails from capital one saying to call them for payment plan options. When calling and giving them my finances and what I can afford, they offered me a monthly payment {$200.00} more than what my current monthly payment was. They refused to offer any other help when asked and mentioned their email states to call for different payment options. P
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (OR)

I am a managing member of an LLC ( LLC ) which was appointed by the Circuit Court of the State of Oregon as successor trustee on behalf of a Special Needs Trust after the previous trustee resigned and the alternate trustee declined. Wells Fargo Bank held the trust funds in a checking account. Therefore, we attempted to close the account and open another account under the authority of LLC as successor trustee. All documents requested by Wells Fargo Bank were submitted including a certified copy of a Limited Judgment Appointing VLFS successor trustee, Certification of Trust, Resignation of former trustee, Declination of alternate trustee, Acceptance of LLC as successor trustee and Letters of Incumbancy. We met with the bank manager twice spending over an hour or so each time without success in closing out the account. 

In the meantime, LLC communicated to bank the beneficiary needed funds for food and housing desperately which was ignored. 

Over the course of a few weeks, without any release of funds to LLC, LLC in a despite attempt to marshal assets, reached out to the previous trustee to attempt to close out the account at Wells Fargo Bank at another branch. The previous trustee was able to do so quickly without any questions asked despite paperwork provided to Wells Fargo Bank by LLC indicating she had resigned and another trustee ( LLC ) was appointed. 

We find Wells Fargo Bank violated fair consumer trade laws by refusing to release funds to LLC as Successor Trustee in a timely fashion without a proper explanation and releasing funds to a non-authorized party.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Mr. Cooper Group Inc. (MO)

I am on the XXXX XXXX XXXXXXXX XXXX list for a long time. I last verified my status sometime in summer 2023. Mr. Cooper upon [ recently = XXXX ] acquiring servicing rights to my home loan has began sending me unsolicited refinance or 2nd mortgage marketing materials. 

I do not recall having opted in to receive marketing material upon registering my online account, and I have reviewed my settings on MrCooper.com and am unable to find any settings related to marketing materials.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (TX)

I Called chase bank because my account was locked and I talked to someone and they said multiple login attempts was made and it wasnt from me. I changed my password previously because I was hacked and the person who hacked me was XXXX XXXX and his friend. They put a fake check in my account with someone else name on it and i havent realized it until now the day I got banned. If you look at my account login it was someone from New York logged in to my account! I want to be unbanned please!
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



1.XXXX XXXX XXXX XXXX XXXX  XXXX. has violated my rights. 


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 an 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 moreover 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 2024-05-13
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (TN)

I received notice that I was late on payments on my credit card in XXXX, not thinking anything of it as I had paid the card off and didnt realize it was accruing charges at the time. In XXXX I paid the card off and closed the account. I paid the total said owed that day and requested them to close the account same day. I was told that would be done. 
Ive been recieving bills for late and interest charges since said account has been closed. And they want me to pay those to close the account again. 
Account was paid to XXXX Dont feel like I should have to pay that account.
Consumer complaint received 2023-08-31
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. (OH)

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 but not limited to 15 USC 1681, 15 USC 1611, and 15 USC 1605. XXXX Accounts # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt is reporting correctly. 15 U.S.C 1611. States youre supposed to be notified of all signing information. 15 U.S.C 1605. States a finance charge is supposed to be a sum of all charges.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I have had the Citi Bank Costco Visa Card for 9 years. I have never missed a payment. I have built up a large credit line. On XX/XX/XXXX  I logged in to my mobile app to find my account had been closed. I called customer service to try and understand why and they stated it was because of a missed payment. However, I never missed a payment with them. They stated that a credit bureau reported I missed a payment elsewhere. I reached out to all three credit agencies to try and understand where I missed a payment and there were no missed payments reported. I reached out to all credit products I have and there were no missed payments. I then called back Citi Bank and submitted a reopen request. They denied it because of a missed payment ( which never occurred ). I then submitted a second reopen request, to which they denied it based off of " substantional number of debts owed to other creditors. At this point I was so frustrated and fatigued I was ready to give up. I made my final payment and called to check on the status of my cash rewards on the card, totaling around {$2800.00} on the year which was to be issued to me following the closing of my XXXX statement. They told me that because my account is closed my rewards would not be issued to me. They stated I had exhausted all internal appeals processes. I feel that, because of my substantial rewards for the year, Citi invented a reason to close my account simply because they did not wish to pay my rewards. I want my account reopened and I want my rewards certificate.
Consumer complaint received 2023-08-27
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. (CT)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 account name XXXX XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX Account number XXXX XXXX open XX/XX/XXXX XXXX Inquiry name XXXX XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry name XXXX Inquiry date XX/XX/XXXX XXXX Inquiry name XXXX XXXX Inquiry date XX/XX/XXXX - [ ] 15 U.S.C 1691 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 an account without my written instructions.
Consumer complaint received 2023-08-31
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. (VA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 

XXXX XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) 15 U.S. Code 1681s2 -Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

I have attached below all the following letters and documentation that has been sent to Experian showing how they have violated my rights and are reporting inaccurate/ incomplete information. 

XXXX Mail Receipts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX needs to be deleted immediately.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

On XX/XX/XXXX, I attempted to use an XXXX to cash and deposit a XXXX dollar work check. The teller who virtually assisted me at the XXXX said she did not have enough to cash and deposit the check in the ATM but would deposit the check. That same night, My funds were not reflecting in my account. I did not receive the check back and the money was deducted from my bosses bank account. I called Citizens Bank to submit a claim. After waiting for them to locate the check in the ATM, They submitted a claim and I was credited XXXX. 

On XX/XX/XXXX, XXXX was deducted from my account as a miscellaneous charge. When calling Citizens Bank, They stated I received double payment and that the claim I submitted had no fault found. I have attempted to work with them all week while my account sat negative with no results. 

Please note there at cameras at the ATMs and XXXX. There are records to show that I did not receive the XXXX deposit after giving them the check. Citizens bank is at fault here.
Consumer complaint received 2023-08-30
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. (OH)

I asked the credit bureaus to validate or remove several accounts from my credit report on XX/XX/XXXX and after no response, I followed up again on XX/XX/XXXX. Transunion responded on XX/XX/XXXX, stating that they had verified the accounts but did not give any valid explanation of their investigation.
Consumer complaint received 2024-01-11
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: TRUIST FINANCIAL CORPORATION (GA)

I am reaching out concerning unauthorized inquiry made on On XX/XX/2024 by Truist Bank, XXXX XXXX XXXX XXXX XXXX, NC XXXX. I received a notification regarding a hard inquiry reported by XXXX XXXX. I contacted Truist Bank directly and they denied having pulled my credit report. XXXX however verbally verified that there was a hard inquiry from Truist Bank. I did not apply for credit nor give Truist Bank consent to pull my credit. I am demanding that this hard inquiry be removed immediately.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (VA)

I have had a mortgage since XX/XX/XXXX initially with XXXX XXXX XXXX who acquired the loan from a predatory lender. I was with XXXX XXXX XXXX from XXXX until XXXX at that time XXXX sold the loan to Mr. Cooper ( NationStar ) ; my credit report has been absent of any payments made on this account since it was transferred to Mr. Cooper NationStar. Therefore, if I try to obtain any mortgage refinance or looking to obtain credit for paying my mortgage on-time, this information is not noted.
Consumer complaint received 2023-11-08
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. (OH)

Ive sent in multiple complaints about closed accounts that have not been proven to belong to me. I requested to have the accounts removed but they are still showing and causing me to have negative and or diverse discussions against my credit profile. 
My next step will be filling complaints and requesting to charges for penalties at {$1000.00} per repeated offense through the Supreme Court. 
TransUnion credit reporting agency is still reporting closed accounts with XXXXXXXX XXXX XXXX XXXX  1. ( Closed XX/XX/XXXX 2. ( Closed XX/XX/XXXX 3. ( Closed XX/XX/XXXX 4. ( Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account also has been requested to be proved or removed with no progress. 

These are four closed accounts and they have not sent any contract with my signature to prove ownership of any accounts.. 

I need theses accounts fully removed from my credit profile with all reporting agencies immediately please. 

They are illegal actions and if these accounts are not removed as requested I will proceed with legal action. 
XXXX, XXXX, and Trans Union.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-02
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: EQUIFAX, INC. (TX)

15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights and all inquiries needs to be removed immediately : Inquiries : XXXX XXXX XXXX ( Finance ). XX/XX/2023 XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX ( Home shopping ) XXXX XXXX XXXX XXXX : XX/XX/2023 XXXX XXXX : XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/202XXXX XXXX  XXXX ( Bank ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023 XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (TN)

I have been attempting to procure the contents of my consumer report from LexisNexis for more than 60 days. 

Each time, I receive a letter in the mail that states they ( LexisNexis ) are unable to authenticate my identity. 

That said, each time I make a request for the report, they ask for more and more invasive information that certainly exceeds what a prudent person would consider sufficient for identification. 

Ive even went so far as to sign, under penalty of perjury, a sworn affidavit stating that I am the person with my name and other PII, all sufficient to verify identity. 

I feel as though there is something amiss concerning my ability to obtain the report from them, that they are intentionally stalling/stonewalling my access to the report and that they are attempting to mask their unlawful disclosure of my report data to those that have no appropriate business accessing it. 

I was recently a participant of a data security panel that opined on concerns with foreign owned businesses accumulating US citizen data. That panel, which was in front of a live audience, was later mentioned by LexisNexis executive staff as being an issue that needs to be taken care of.
Consumer complaint received 2023-11-08
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: SANTANDER HOLDINGS USA, INC. (NY)

On XX/XX/2019 an inquiry was reported to my consumer report and I didnt no authorize that inquiry. My private information was reported to XXXX, XXXX, and XXXX without my consent and that is a form of identity theft. Furthermore I called XXXX and and they did not adhere to any of my complaints. I called Santander and spoke to XXXX ID # XXXX and she told me she is a not a credit bureau specialist and doesnt know why I was never sent a 1099-C form for my alleged charge-off. I asked XXXX was her company a furnisher of information and she replied yes. So I asked her does she know 15 USC 1681s-2 responsibilities of furnishers of information to consumer reporting agencies and she told me no. I repeatedly asked why I never received a 1099-C form for this alleged debt and she had no response.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX, has violated my rights. they have reported false information on my credit report and after multiple attempts to have it removed, they refuse to update it to current. 

15 U.S.C 1681 section 602 A. States that I have rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written consent.