davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was scammed out of $ XXXX by a Wells Fargo client impersonating a registered dealership. I called Wells Fargo to check on the company account before the transaction and was told it was active and no issues with it. I transferred the car downpayment and signed a contract and then the seller vanished. I called XXXX 's fraud line and opened a case immediately for payment recall. After few days I called to check and was told that XXXX transferred my fraud case to non-fraud department for another 25+ days of investigations. A local XXXX rep told me that the money vanished from the receiving account already. I feel that XXXX should be held responsible for creating bank accounts for scammers and has squandered my chances of getting my money back with their handling of the case. Is there a possibility of recourse on XXXX to hold them responsible?
Consumer complaint received 2023-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to view my report on line so i can dispute online, and i have never been able to get my report online, it's ridiculous. EVER! They always have some kind of excuse. The system is down call back in an hour, this excuse was given on XX/XX/23. I called and talked to someone and requested a new password and i got it, and it still didn't work. I tried the, " forgot password '' online and it asks me my security question and i answer it and it still states, " we are unable to provide the information you are requesting ''. 
Years, years... I have tried to review my report online with them and i have never had the trouble i have with transunion with either of the other credit bureaus. I want to dispute online an i want to see my info online. I do not want a mailed report! This is the XXXX  century! I do not want to dispute in writing!
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

Approximately XX/XX/2023, I attempted to access the website for my mortgage loan servicer, Lakeview/Loancare. The website was not accessible and has not been accessible. In doing some research, the parent company, XXXX XXXX XXXX XXXX XXXX appears to have filed an XXXX with the SEC on XX/XX/2023 indicating they experienced a cybersecurity incident : XXXX XXXX XXXX XXXX At no point in time has Lakeview/Loancare, or XXXX XXXX XXXX communicated that this occurred to me as a client/customer. I was only able to find details about the incident by searching the internet. Overnight I received an email saying the website is again accessible, but it is in fact still down. 

Meanwhile, the phones are either not being answered, or being answered by somebody who will give no information. Further, during this time I have continued to receive marketing emails.
Consumer complaint received 2023-09-05
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 
15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-29
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. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 2023-04-11
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. (TX)

In accordance with the Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX 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.
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (PA)

I have tried on Numerous Occasions to Contact the new XXXXXXXX XXXX  Co that took over my account from Prior Handler XXXX. Now Called " aidVantage ''. I can not get ahold of Anyone since my 1st call when I was on the phone for 2hrs and the customer Service rep informed me she could not help me until the last name was put in the system Properly ( My Last Name was spelled incorrectly. Spelling is XXXX they have it under XXXX. The Rep could not fix it while I was on hold waiting back and forth over 8 different times. While on hold again the call was Disconnected. Unfortunately, I have not been able to reach anyone to help.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX In accordance to the Fair Credit Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Accounts XXXX XXXX /XXXX/XXXX - # XXXX Has several late payments. 
It as well should not have any late payments attached to a charge off account because charge accounts are late by default. 

XXXX XXXX XXXX XXXX # XXXX It states I made a payment in XX/XX/2022 but states in the history you closed the account .. and only after 60 days of being late XXXX  XXXX XXXX This charge off again is illegally reporting late payments against an already charged off account that is late by default. In total it has close to 79 late payments attached to it and continues although the account has been charged off.. 


I want this late payments updated to pays as agrees.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (FL)

We paid off and closed our account on XX/XX/2023 with a final payment of {$4800.00}. The company fails to close the account and XXXX  the balance whereby, reporting this updated and accurate information to the three credit reporting agencies. We paid off this account very early and did not utilize the entire credit limit because we caught this company on several occasions not abiding by the FCRA in reporting updates in a timely manner in accordance with the FCRA. WE constantly called customer service on recorded lines and was given several unsubstantiated excuses for their actions. Their failure to adhere to the law has affected our borrowing power and several credit scores.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY (MA)

A safe deposit box was opened at TD bank in XXXX- the no they first gave to me could not be used as it was in probate so i was offered the {$70.00} dollar rate as opposed of the {$50.00} for compensation When i closed the account the keys were returned & so i thought all was set - i have been harrassed by this bank for non payment of XXXX XXXX XXXX box- fast forward & 3 more trips to TD Bank XXXX said the issue is with XXXX XXXX in Mass to which i Do Not & Have not had an account there with the SAME DEPOSIT BOX
Consumer complaint received 2023-02-26
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: Experian Information Solutions Inc. (MI)

SEE ATTACHED FILES. THIS IS NOT A DUPLICATE COMPLAINT. I AM REPRESENTING MYSELF. I AM NOT A THIRD PARTY. I HAVE ATTACHED MY SSN AND DRIVER 'S LICENSE FOR PROOF OF IDENTITY ALONG WITH MY IDENTITY THEFT REPORT. XXXX XXXX HAS BROKEN NUMEROUS CONSUMER LAWS AND EXPERIAN HAS 4 BUSINESS DAYS TO BLOCK THIS ACCOUNT FROM BEING REPORTED TO MY CONSUMER REPORT ACCORDING TO 15 U.S CODE 1681 C-2. I HAVE FOLLOWED ALL OF THE REQUIRED STEPS ACCORDING TO 15 U.S CODE 1681 C-2 SO THEREFORE EXPERIAN NEEDS TO DO WHAT THEY'RE LAWFULLY SUPPOSED TO DO BY REMOVING THE ACCOUNT COLLECTION ACCOUNT WITH XXXX XXXX INDEFINIETELY.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. 

I am writing this for the 2 late payments that is reporting on my credit report XX/XX/XXXX and XX/XX/XXXX. I have tried to get this updated because its affecting my credit.
Consumer complaint received 2023-09-16
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. (PA)

i recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. this has been hurting me as i am in the processof buying a home for my family.please remove the feaudulent accounts from my credit report as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (MS)

I recently got a new copy of my consumer report and I noticed some accounts with inaccuracies so I would like validation for these alleged debts. According to 15 U.S. Code 1692 ( a ) " There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. '' so I need to be sure the alleged debts on my consumer report are validated.
Consumer complaint received 2023-02-21
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. (TX)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper force placed insurance on my loan with them via an escrow account ( originally signed with XXXX XXXX  before being transferred to Mr. Cooper without my knowledge or authorization ) in XXXX of XXXX  although I had home insurance. 

I did not receive this request nor did I receive notification of this action. 

In XXXX I was charged {$250.00} in addition to my regular mortgage of {$1600.00} ( {$1300.00} principal + {$260.00} in interest. Since then I have been charged {$76.00} in monthly escrow charges from XX/XX/2023 through XX/XX/2023 ( 6 months x {$76.00} ) for a total of {$450.00} and when added to the initial charge of {$250.00} for a grand total of {$710.00}. 

In XXXX I provided them with proof of my self obtained insurance and they canceled their force placed insurance. Mr. Cooper has continued to charge the escrow fees as detailed above despite more than half a dozen written requests and several phone calls asking to remove these charges and refund all fees paid. Their their staff have failed to be even remotely helpful at best, and incompetent at worst. 

They also claimed to have sent a check to my insurer ( as to why I have no idea ) which was never received and in fact was traced via XXXX  XXXX tracking to a mail room in Texas. No further information on that has been provided. 

I've received multiple letters that are nothing more than delay tactics I'd describe as tap dancing. Based on my experience and their poor responses, it is my belief this is a predatory practice used to swindle borrowers that may not have the resources, wherewithal, or sheer endurance needed to get this company to do the right thing. 

The remedy is clear : Cancel all future charges and refund the money they have unfairly and very likely illegally stolen from people via this process, and quire possibly others. 

I would be shocked if there aren't thousands of people being bilked by Mr. Cooper 's predatory force placed insurance tactic.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In alcordance with the XXXX credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 
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Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Cash Express, LLC (MS)

I contacted Cashexpress llC company in XX/XX/year> to tell them .I was unable to make payment because of layoffs at my job and hours being decreased. I revoked ACH transfers and they still cause fees to be taken out of my account and also took unauthorized money from my account of almost $ XXXX agreed that when my financial situation improved Ill come in a pay my balance in person.
Consumer complaint received 2023-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I have recently completed a 5 year repayment of my debts as part of a XXXX  XXXX Bankruptcy repayment plan. I made diligent monthly payments for 5 years as part of my XXXX  XXXX plan- never missing a single payment. I have received my legal confirmation that my XXXX XXXXXXXX is paid in full and has now been closed. However, in the case of XXXXMohela -- they contacted me after the bankruptcy closed to say I owed them an additional {$8900.00} and that payments would need to begin immediately. I called Mohela immediately to inquire -- Why do I have a balance due? Was this an accounting mistake? Did they not understand the XXXX  XXXX payoff memo? Or is there some other reason that this amount was not claimed/included when they were contacted as part of my XXXX  XXXX process? I do not believe I'm responsible for this amount, and I asked over 5+ long telephone calls, multiple unhelpful call-backs from " supervisors, '' and many harassing emails and phone calls trying to collect on my " debt. '' I have submitted requested proof of payoff to Mohela, received no reply, received an account history, but still no confirmation of why the amount they now claim I owe wasn't included in my 5-year repayment plan. I'm now being threatened with late payment fees and negative reporting to credit buraus for late payments -- this has been very frustrating, and I feel I'm being strong-armed into paying without proper understanding of why this debt is owed.
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (TX)

On XX/XX/year>, I initiated a payment from my XXXX account to Santander Consumer, INC for the amount of {$42000.00}. On XX/XX/XXXX, I contacted Santander Consumer and asked about the payment and was told they do not have it. Knowing the payment was sent by mail I assumed the payment was lost. I stopped payment on that check and immediately send check # XXXX in the amount of {$42000.00} ( that payoff good until XX/XX/XXXX ). On XX/XX/year>, the check for XXXX cleared my bank. On XX/XX/XXXX, I log onto the Santander website and see my payment has not been posted and my account balance is {$42000.00}. I contacted Santander Customer Service who told me, We see the returned check and the check that cleared. Unfortunately, we haven't had time to process the payment to your account. We will need to complete a request to have your payment applied to your account which can take seven to 10 business days. All the while, the interest of my account is rising daily.
Consumer complaint received 2023-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (NC)

A collection company, CREDIT CORP SOLUTIONS INC ( XXXX ) XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has placed a collection notice on my credit report. They state that it is a debt owed to XXXX. I do not owe any debt to XXXX. XXXX XXXX never contacted me about this debt. I filed a complaint with a credit bureau, and they reaffirmed the debt. I wrote a demand of proof letter, and they never responded.
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

- I recently closed on a home mortgage loan with Citibank, and to get a lower rate with a relationship discount, I had to bring new assets to Citi thus creating a Citi Brokerage account. 
- Citi also requested that the XXXX month mortgage be paid with a Citi checking account, so thus I also created a new Citi checking account. 
- To close on the loan, Citi said this checking account needed to be funded with XXXX which I did. 
- After the house closed, there is still almost 2 months before my first mortgage payment is due, so I wanted to pull out some money from my checking account to put it into brokerage so this money can at least be accruing some risk-free gains in treasury bills . 
- Citi wouldn't let me transfer the money out from my checking to brokerage account, and then locked and closed my account immediately, which still had significant funds ( {$25000.00} ) in it, and said they would mail me a check in 60-90 days. 

I am not sure whether it's because my Citi checking account is new ( ~30 days old ), and then had several transfers in and out, but Citi flagged my account and closed the account entirely with no warning. Had I not tried to sign in that day to again, try to transfer the money to my brokerage account and then call, I never would have even found out.