davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

XX/XX/year> wells fargo took over XXXX dollars from account saying it was double deposited and I talked to supervisor and she found it was on their side and. I didn't do double deposit. It's. We. Over 10 days and now I have to wait till XX/XX/XXXX to even get info. This is theft and not acceptable. That's a felony charge to steal money. I couldn't pay .y employees and now bills are late
Consumer complaint received 2024-05-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XX/XX/XXXX, my employer cut my hours at work from XXXX hours a week to XXXX hours a week in order for me not to get laid off. I contacted XXXX XXXX XXXX to inquire about a forbearance until my hours were increased back to full time. On or around XX/XX/XXXX, I reached out tXXXX XXXX XXXX XXXX and was offer a 90 day forbearance for the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. I was told then if I need more time, to contact XXXX XXXX XXXX prior to the expiration date of my forbearance for a possible extension. 

At the end of XX/XX/XXXX, I reached back out to XXXX XXXX XXXX  to inquire about extending the forbearance period and was told I had to wait until XX/XX/XXXX, when the current forbearance period expired to request an extension. 

So I called back on XX/XX/XXXX, and was told my loan was not eligible for a forbearance extension and I would be reported as 90 days delinquent. They never told me that once the forbearance expired, I would automatically be reported as being late to the credit reporting agencies. When I called in at the end of XX/XX/XXXX to extend the forbearance, they should have known their own internal policies and procedures to validate if a forbearance extension was possible. That would have given me the chance to bring my loan current rather than damaging my credit that I've worked so hard to maintain. 

I reached out to their XXXX Offices several times and was denied to have my credit fixed because of their lack of transparency. I brought my loan current a few weeks after that, but the damage was already done.
Consumer complaint received 2024-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: STAR ONE CREDIT UNION (CA)

XXXX XXXX from Star One Credit Union ( SOCU ) is making unreasonable demands in regards to PMI ( private mortgage insurance ). We were sent a letter asking when we wanted PMI to terminate. We elected the 80 % loan-to-value ( XXXX ) threshold ; XXXX, XXXX is refusing to auto-terminate until XXXX reaches 78 %. When we insisted that the 80 % XXXX threshold for auto-termination is legally correct per federal mortgage standards, SOCU retaliated against us by demanding that we agree to a brand new appraisal for {$570.00} which they wanted us to pre-pay. Our current appraisal is barely a year old and clearly they are simply trying to squeeze us for every penny they can because our interest rate is below current market pricing.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (TX)

I informed Truist Bank that {$50.00} opening deposit was withdrawn upon opening the Truist One Checking account on XX/XX/24. Despite blocking my account within 2 days of opening on XX/XX/24, Truist did not send me my funds until 2+ months after, on XX/XX/24. This check was for the incorrect amount i.e. {$38.00}. I contacted Truist customer service multiple times to correct this but they were incompetent and unable/ unwilling to do so. This is a serious violation of customer trust as well as illegal. By CPFB and banking standards, Truist isn't allowed to keep even a single cent of my money since it is their fault that my account was closed. As I never got to use my account, they should have returned the funds right away, instead of holding onto it for 2+ months and then returning the incorrect amount. Any banking fees on this account should never have been charged since I was unable to access my account from the get go. This has tainted my view of Truist and I'll not be their customer and advise everyone else to stay away from them as well. 

I have attached documents that clearly show the {$50.00} opening deposit that was withdrawn as well as the email transcript with Truist that shows my attempt to restore the closed account and their unwillingness to do so.
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates stated that I have a debt with them that was purchased through XXXX XXXX. I responded by the credit card was not instituted through me and please provide any information they have on payments so that I could see the name of the person on the bank account where these funds were coming from. The amount is for XXXX, XX/XX/year> of this year. They have given me the run around on where to apply or what steps to take to file a dispute so I am here.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00}
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by individual named XXXX and Detective XXXX representing the fictitious entity XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).
Consumer complaint received 2024-05-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I have been using BOA credit card since XX/XX/XXXX and till today I have no credit score. Despite receiving my monthly statements indicating that the account is indeed active and being used, BOA couldnt provide an explanation as to why I have no credit score yet. When I contacted XXXX and other reporting agencies was told that BOA hasnt been reporting my history to them, as a result I have no history with the credit bureau. Now boA says its going to take up to 90 days for the whole process to get this fixed and im faced with serious financial challenges when im not able to provide a credit score for housing and car leasing purposes.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (VA)

I had XXXX fraudulent charges on my XXXX account in XXXX and I notified the bank to report them. After they researched the charges they said I was on my own and that there was nothing that they could do. I even sent them emails showing that the charges were not authorized and they still would not help me or reverse the charges. One if the charges actually resulted in a {$36.00} overdraft fee which I w they held me responsible for even after I provided proof that the {$120.00} charge was unauthorized. I contacted the companies that charged my account and was promised a refund but now XXXX  months later they havent refunded the charges either. Now Truist is charging me {$10.00} a month for a blocked account that they wont unblock unless I physically step into one of their banks. I work fir a XXXX XXXX through XXXX from XXXX and on XXXX from XXXX. I do not have the ability to get into a bank branch and they are very much aware of that. At this point I just want my money from the account to be sent to my new bank account at a different bank. I have spoken with a supervisor twice today and they refuse to help me. They are basically stealing my money {$10.00} at a time. This is theft and I am not going to stand for it. I have never had such poor customer service in my whole life.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Steel River Systems, LLC (FL)

I was talking to a representative XX/XX/27 at XXXXXXXX XXXX to negotiate my debt. He then threatened me once I said I would have to reschedule the call. He threatens to sue me and garnish my wages if I didnt pay. I am not afraid to call them back because he was so hostile towards me.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/XXXX I filed a claim regarding XXXX transactions being made after my wallet was stolen on XX/XX/XXXX. On XX/XX/XXXX my claim was denied and then I sent a police report to show I had evidence that my card was stolen. XXXX XXXX still denied my claim so I called customer support. They told me my claim was denied because there were charges on my debit card using the pin after my card was stolen. XX/XX/XXXX I called them back after going through my account. I found that any purchases I made after XX/XX/XXXX were all made using my digital wallet or the card number which was on file with certain companies. I tried to file another dispute with XXXX XXXX they told me that because the claim was made last year that the case was closed and the decision was final.
Consumer complaint received 2023-10-05
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. (OR)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

DEPT OF ED / XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. Stayed I have a 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.
Consumer complaint received 2024-04-04
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. (FL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation (NJ)

I sent it two payments on XX/XX/year> of {$100.00}. As of today XX/XX/year>, the payments have not applied to my account, they took the payments and they do not show up on my card as credited to my account.
Consumer complaint received 2024-04-04
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. (MI)

I looked at my report back on XX/XX/2024, and noticed some things, are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ ( XXXX XXXX XXXX XXXX & [ XXXX XXXX XXXX ], & XXXX XXXX XXXX are not complete and accurate, Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts is not a Accurate.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (MA)

PNC Bank assumed from XXXX XXXX ( of XXXX ) the existing mortgage on my home as of XXXX. All documentation, minimal as it was, provided to me indicated that all financial and legal information, including titling and locality, were correct. The exact same payment terms, amount and apportioning to principal, interest, and escrow for payment of quarterly real estate taxes ( to municipality ) were represented. Subsequently, for the XXXX, 2024, taxes billed and due in XXXX, 2024, were not paid. No notice was given. The next PNC statement clearly showed the continuing receipt of funds for escrow, but payment was not made. Subsequently, for the next quarter of the year, the municipality in invoicing for the quarter also showed the unpaid taxes as well as the assessment of interest and fines according to XXXX Law. I twice attempted to discuss this by telephone with PNC Bank even on the second call requesting a supervisor or XXXX but they refused to discuss this and actually terminated the calls. 
>
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

This company have violated my federally protected consumer rights. They have violated my privacy. I have went ahead and filed a complaint with the Department of State with New York State.

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 1681 section 602 A. States I have the right to privacy U. S. Code 1666b states that a consumer reporting agency should not treat any payment under a credit account as late for any purpose.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (WI)

I noticed that Comenity Bank/ Kay Jewelers its reporting on my consumer reports as a charged off account that is damaging. Comenity Bank/ Kay Jewelers are required by law to send me a Form 1099-C to both me and the IRS. By failing to provide me with the proper documentation has created complications for me with the IRS.
Consumer complaint received 2024-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NC)

I contacted the company initially on XX/XX/XXXX about a credit alert entry logged to my XXXX credit report. The debt was for {$54.00} from LVNV Resurgent for an original creditor of XXXX XXXX XXXX XXXX XXXX tied to account XXXX. I contacted the company via the contact number on the credit entry. The company has never attempted to contact me about this debt. I advised the company I have been a victim of identity fraud between XX/XX/XXXX and XX/XX/XXXX and advised of another account that was opened for the same address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I have never lived at this address nor consented to anyone at that address to start utilities in my name. I have lived in NC since XXXX and provided the company with leases, utility bills, police reports, ftc avadavat of identity theft notarized and the company refused to remove the debt. I have complied with all requests from the company to furnish all documents and they continue to repost the debt to my account. The original creditor failed to properly validate the person who opened the account identity. I have repeatedly asked for copies of the documents used to open the account to no avail. There are no leases to show I was a renter or even occupant of the address no XXXX  or etc. Short of legal action I am at a lost why the company refuses to remove the debt. I have impeccable payment history and have not had an collection account since XXXX yet the company feels as though I would fail to pay a {$54.00} debt. The debt is not mine and I need support in addressing this company. The company has also relisted the debt on my credit with a balance as well as the original creditor which is illegal.
Consumer complaint received 2023-11-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: General Motors Financial Company, Inc. (IL)

I woke up this morning and my car was removed without noting and with a processed payment. One the car was taken from a location not on the pin levaung me and my daughter stranded. I was not notified if a repossession. No notice was given. I received and email in XXXX and since then have made a payment.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MD)

I received an alert something was added onto my credit report. When I checked my report on XX/XX/2024 I saw that Sunrise Credit Services added an account stating I missed a payment on one report and the other report said I owed {$180.00}. I sent Sunrise Credit Services a DEBT VALIDATION letter requesting proof that I owed The debt and all documents that had my signature on them. I have not received anything I requested and its been 30 days.
Consumer complaint received 2024-03-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC. (TX)

On XX/XX/2021 i entered in an auto loan contract with the seller. pursuant to title 15 usc 1611 the seller willfully and knowingly faild to provide/disclose information required under the provisions of title 15 usc 1601. pursuant to title 15 usc 1605, a finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. the seller took cash. Pursuant to title 15 usc 1605 ( a ) ( c ) the transaction included finance charge and the finance charges includes insurance which protects the creditor against the obligors loss and and/or property, the seller did not include my insurance in my finance charge. ive also made a complaint with the OCCC complaint XXXX XXXX CFPB link to upload not working. OCCC complaint has all supporting documents
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (NC)

In XXXX myself and my family rented a home at XXXX XXXX XXXX, XXXX, NC XXXX through XXXX XXXX XXXX XXXX and was managed by XXXX XXXX XXXX. Around late XX/XX/XXXX we discovered really dangerous mold from in the home and was told to vacate the home until the XXXX would fix this mold. XXXX refused to fix the mold. XXXX never fixed the mold causing me and my family to live in a home with Mold for almost XXXX  years after this. 

During XXXX XXXX pandemic I suffered from hardship financially and got behind on rent payments. XXXX offered all of its tenets who were owed rent a chance to clear this up if they paid a certain amount of money. I paid them the payment and XXXX XXXX  took my money and told Me and my family to vacate immediately. They put the eviction on my record and it's been nearly impossible to rent anything ever since this incident. 

Please proof of documents below.