davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

On Friday XXXX between XXXX and XXXX, I went to deposit XXXX dollars in cash of XXXX in my acount with Wellsfargo bank. The ATM jammed on me. I called the bank personnel and they wtinessed my predicament. After a while they removed the jam and the machine continued to work BUT they did not give me the money. Instead they told me to call the Claims department. I was taken in circles to XXXX different people. They told me it will take XXXX business days to respond to me. Today XX/XX/2023, I went to the branch and nothing has been done. My account is in overfdraft status and can not even buy anything with my card. My due a person came in today when I was at the branch to repair the same machine because it continues to malfunction. Why would consumers be subjected to unfair ordeal at this time of the year just because of the bank dysfunctionality. 

I need your intervention. 
Thank you.
Consumer complaint received 2016-12-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

NATIONSTAR MORTGAGE CONTINUES TO LIE TO CUSTOMERS ABOUT OWNERSHIP OF THEIR MORTGAGES. OVER AND OVER THEY CLAIM TO BE THE FEDERAL GOVERNMENT WHILE ACTIVELY DEFRAUDING IT THROUGH A COMPLEX BUT EASILY UNRAVELED FORECLOSURE SCAM. 

NATIONSTAR CONTINUES TO LIE ON THE CFPB RESPONSES, IGNORING NEW EVIDENCE WHILE PENCIL WHIPPING THE SAME, LYING, DISHONEST ANSWERS FROM PRIOR DECEPTIVE ANSWERS. 

NATIONSTAR TOLD THE CFPB THAT OUR PAYMENT IS {$940.00} THIS MONTH BUT OUR STATEMENT IN THE MAIL IS JUST UNDER {$2500.00} .... INTENTIONALLY DECEPTIVE WITH FEES ADDED AND GROWING FOR NO VALID REASON. 

NATIONSTAR REFUSES TO MAIL ACCURATE MONTHLY STATEMENTS. 

NATIONSTAR CONTINUES TO STEAL PRINCIPAL WITHOUT CREDIT. 

XXXX AND XXXX ARE RUNNING A WELL ORGANIZED, MULTIBILLION DOLLAR, CRIMINAL SCAM. 

FORTRESS INVESTMENTS AND NATIONSTAR ARE CRIMINAL ORGANIZATIONS AND XXXX SEEMS TO BE THE SOLE SOURCE OF ALL OF THE VIOLATIONS BELOW HIM. THEFT, DECEPTION AND WRONGDOING ARE STANDARD. 

COMPLIANCE IS NEAR XXXX
Consumer complaint received 2023-12-22
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc (NY)

On XX/XX/2023, Bright Money made an unauthorized payment on my XXXX XXXX XXXXXXXX XXXX XXXX XXXX. My card ending in XXXX was credited {$2000.00} and my other card ending in XXXX was credited {$990.00}. I discovered this happened on XX/XX/XXXX. I immediately tried to contact Bright Money via phone/ email to address these unauthorized payments-which was unsuccessful until Bright Money called me to let me know I had increased my credit line. The unauthorized payments were brought to their attention. Bright Money app is advertised as your super app for deleting any debt, with 92k reviews with 4.8 stars on the app store. I used Bright Money in XXXX of this year to help pay off credit card debt with a lower interest rate. The payments made on XX/XX/2023, were unauthorized! 
On XX/XX/XXXX I also contacted XXXX XXXX XXXX in desperation looking for help. At this time, I started to think I was scammed, and that Bright Money wouldnt contact me. On my call with XXXX, I was told that the payments couldnt be returned and that they would dispute them as an overpayment. When I received the letter from XXXX on XX/XX/XXXX, I understood it as a payment adjustment and didnt know that a check of {$2000.00} had been sent to Bright Money. 
Ive attached all my emails since XXXX with Bright Money. Not once did anyone tell me that they had received a check from XXXX. In fact, I was told that the only way to reverse this was to have Bright Money charge the amounts back to my cards. The charges were finally reversed on XX/XX/XXXX, after being declined 3 times. On one of my many calls with XXXX about these charges, I addressed my concern about the payment adjustment of {$2000.00} on card XXXX. I was told that fraud would catch it and adjust it once the chargeback from Bright Money went through. 
I called XXXX on XX/XX/2023, to address the payment adjustment of {$2000.00}. On this call I was told that a check was sent to Bright Money of {$2000.00}. As of XX/XX/2023, XXXX has declined my claims twice of this error and Bright Money sent me a refund of only {$670.00}. Bright money still owes me {$1400.00}.
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (NJ)

Caine and wiener collecting a debt for company I am requesting they remove any negative items from all credit reports immediately firstly I did my find their license to collect debt in New Jersey and they have failed to validate themselves with bond, contract, license info to validate this debt. Also I. Violation of FCRA in sharing or obtaining my personal information without contract. Also on report it said paid closed and also balance thats incorrect reporting on top of identity fraud. Im not looking to sue just want everything respectfully removed
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (CO)

They're reporting this account as delinquent when they closed it back in XXXX without notifying me. 

I've had nothing but problems with this account. Reporting me last in the past when I wasn't and no one is willing to assist with this issue. It's hurting my credit.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I also demand you, ( Equifax, XXXX ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Without Prejudice, All Natural Inalienable Rights
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (GA)

I visited XXXX XXXX XXXX XX/XX/XXXX. Upon leaving they sent me bill. I called to give them new card information and spoke with several people. After a few weeks I get a letter stating I owe the debt. I contacted the collection company to tell them to have great wolf contact me about debt because I gave them all the information to take payment. Upon calling great wolf lodge XX/XX/XXXX they stated my balance was {$0.00} and there is no balance owed. The young lady I spoke to also sent me final bill for my reference.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/XXXX, I visited Wells Fargo to open a CD and new checking account, when I checked my Wells Fargo App, I noticed that on XXXX of the business account I have custody of for an organization ( XXXX XXXX XXXX XXXX XXXX ), has a balance that seemed low. When I checked the transactions, I found an unauthorized XXXX payment to XXXX XXXX was made Business to Business ( transaction date XX/XX/XXXX ). I reported to the bank the unauthorized transaction. On XX/XX/XXXX, the bank issued a letter that they can not reimburse the money back for the unauthorized transaction because per policy, the account holder only has XXXX hrs to report an authorized transaction. They are denying the reimbursement because the XXXX hrs have already laps since XX/XX/XXXX and referred me to XXXX XXXX to recoup the money. The bank failed to protect my money from an unauthorized transaction and refused to take any further action ( just an investigation ). I called XXXX XXXX and from their end, there is nothing to dispute because the bank allowed the transaction to happen through XXXX Business to Business payment. XXXX XXXX can only file a dispute if a XXXX credit card was used for the transaction and in this case, wells fargo allowed the payment to process. The money we entrusted to Wells Fargo ( {$4500.00} ) is now gone and Wells FArgo refuses to take any action to get the money back because XXXX hrs have already lapse.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I've been a victim of identity theft and have had a fraudulent credit card and applications opened under my SSN. My Experian online account is also compromised. I have called repeatedly into the company to have them reset my account, but they just route me to their automated system that can't reset my account email or phone number. When I've reached employees in the fraud department, they've refused to put me in touch with an actual representative and just pushed me back into the automated system that can not help me. I had the same issue with both other credit reporting bureaus but Experian is the only one who refuses to help me to regain access to my Experian account so I can pursue credit disputes and monitor the ongoing identity theft issues under my name.
Consumer complaint received 2023-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

In XX/XX/XXXXXXXX XXXX  we applied with our mortgage company for a forbearance as I was going out of work on XXXX XXXX XXXX XXXX We received an email from the mortgage company informing us we were approved for mortgage assistance and everything was sent to underwriting and it could take up to 30 days for a response. The representative asked us to check in with her weekly to check the status, and we did but it was always processing. During this time we did not make any mortgage payments as we were under the impressive we were approved for assistance. I also asked the representative if any foreclosure processes will occur since we were not making any payments and she advised me, none would happen. I finally checked in again on XX/XX/XXXXXXXX  to check the status and the same representative advised us that we were actually denied and our only options were to sell our home or deed it to them. We were now 3 months behind on our mortgage with only two options to either sell our home or give it to the mortgage company. We called the company and tried to explain the situation and even spoke with that representatives manager and they replied she should not have used the verbiage she did and they will talk to her but there was also nothing they can do but offer us a 3 month repayment plan that we couldnt afford.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CapitalOne solicited me for opening a credit card account with them through my Walmart XXXX account. I was previously using my personal XXXX XXXX XXXX XXXX to effect payments to walmart. CapitalOne approved my credit card and later sent the physical card to me. XXXX days after approving my credit card I received a call from someone in the XXXX that I had difficulty understanding because of their poor accent in the XXXX language and because I wear hearing XXXX often. They required me to send them a copy of my Driver 's licence and in addition to that required me to send them a copy of my Social Security Card. I refused and they told me that my account was therefore placed on suspenion. I continued to operate with my XXXX platinum to pay for my walmart XXXX online purchases. However and unknown to me XXXX charge for a povidone iodine order totalling {$28.00} was charged somehow to the suspended card ending in XXXX. I never espected that a suspended credit card. Last week on or about XX/XX/2023 I received an invoice from Capital One stating that I owed them almost {$100.00} for this {$28.00} purchase which included late payment penalties interests and who knows what else. I spoke to a manager at Capital One who stated that she would remove all penalties and interests and just leave the {$28.00} charge. I Received an email from XXXX and XXXX today stating that I had received a negative report from Capital One. I called them again. Asked for a supervisor. Was placed on hold. A supervisor named XXXX, refused to give me her last name, came on line. Half an hour later she again asked me to provide her with a copy of my driver 's license and a copy of my social security card. I refused and asked her to close my Capital One Walmart account and completely remove me from all unsolicited email lists from capital One. She said that she could not guarantee that and that my account with them even though closed would continue to accrue penalties and interests and be reported as unpaid. Please help me. I [ m XXXX years of age and my wife is XXXX. We atre both retired living the last part of our lives in peace, or trying to. Thanks in advance for any help you XXXX afford us.
Consumer complaint received 2023-07-07
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. (TX)

After viewing my Equifax credit report, I noticed some fraud inquires on it. I disputed those fraud inquires, but Equifax has failed to remove them. I sent a verified letter from my home address for this concern.
Consumer complaint received 2023-12-23
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. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
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. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many inaccurate addresses which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any inaccurate addresses which is found to be opened due to identity theft. The dispute inaccurate addresses do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these inaccurate addresses. 
XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (FL)

Hello, my name is XXXX XXXX. 
I am a Victim of Identity Theft.

At the beginning of this year, I attempted to open a Business Checking account with Truist. After two days, my account was closed due to " fraud ''. What really happened was they requested an XXXX XXXX XXXX report and from what they saw, they decided not to open my account and mark my file as " FRAUD ''. I think that's ridiculously unfair. 
I have disputed all the negative information on my XXXX XXXX XXXX report and yet Truist still doesn't give me a chance to prove myself and allow me to open ANY type of account. I think it's truly discriminatory and it makes me extremely sad. 
As a customer, I wanted to bring my personal and business banking checking accounts to trust and now I don't think so. 
I just wanted to take the time to report them because I think they're being extremely unfair. 
Thank you, Happy Holidays!
Consumer complaint received 2023-08-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (MD)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00}, XXXX XXXX Balance XXXX {$910.00}, XXXX XX/XX/2022
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

It is not only irritating but deeply troubling that such a fundamental aspect of my financial history has been misreported, potentially affecting my ability to secure favorable terms for future financial transactions. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The sheer number of inaccuracies is not only irritating but also unacceptable, as it has a severe and unwarranted impact on my creditworthiness. 
XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
A comprehensive review of the procedures in place to ensure the accuracy of credit reporting to prevent such errors in the future. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect your bureau to adhere to the highest standards of accuracy and diligence. The continued presence of these inaccuracies is not only an inconvenience but also a violation of my rights as a consumer.
Consumer complaint received 2024-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Even though I already froze my credit due to another case of credit card fraud, I noticed two more hard inquiries on my credit report. I called both credit card companies ( capital one and XXXX XXXX ), XXXX XXXX said that there were no accounts opened but capital one said that there was a card opened and that they already spent over {$1000.00}. I genuinely do not know how this is possible because my credit is frozen.