davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
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. (NC)

XXXX XXXX XXXX  INQUIRY-XXXX XXXX XXXX XXXX XXXX XXXX  : INQUIRY- XXXX XXXX XXXX XXXX XXXX : INQUIRY- XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY- XXXX XXXX XXXX XXXX XXXX XXXX  : INQUIRY- XXXX XXXX XXXX I did not authorize any of these inquiries ive been a victim of identity theft and its putting a hold on life, ive contacted each merchant to only get no response. So Remove these fraud items from my report immediately.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. State 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 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rosebud Economic Development Corporation (MS)

I have received multiple emails from this company asking me to sign loan documents that I never requested. They have unlawfully accessed my credit without any authorization. They also continue to harass me with offers after I have requested via email and phone for them to stop.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (TX)

Trust Bank has erroneously been charging me a {$5.00} maintenance fees for the life of the account despite having a social security direct deposit into my account for the life of the account. 

Therefore Truist Bank is deceptive, negligent, and fraudulent with their fees and violating their own account terms and conditions. 

I believe they may be doing this to other customers as well and worth investigating and looking into for a potential class action lawsuit by Consumer Finance Protection Bureau.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2024. I deposited XXXX checks in my captial one savings account ( # acct XXXX ). XXXX for {$2100.00} and another XXXX  for {$2300.00}, they were processed and I was notified that they will be fully available on XX/XX/XXXX. XX/XX/XXXX came around the funds became available and my captial one was locked after I tried to wire some of funds out of the account. Capital one did not do anything but say that they are ending my banking relationship without an explanation. I am without my money and I have a sick mother who I look at after. Its not fair.
Consumer complaint received 2024-05-08
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: Bread Financial Holdings, Inc. (WI)

I am writing to dispute the accuracy of the information on my credit report that was recently obtained without my consent. Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to your agency. 
Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
I request that you investigate this matter further and provide me with documentation proving that I gave consent for the credit report to be conducted. If you are unable to provide such documentation, I ask that you remove the erroneous information from my credit report immediately.
Consumer complaint received 2018-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

I have several student loans with Navient. I just graduated college in XX/XX/XXXX and received a notice from Navient that my repayments would be begin in XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I checked the Navient website and it stated no payment due until XXXX. As of XX/XX/XXXX they charged me interest for XX/XX/XXXX and XX/XX/XXXX,  and a late fee from 2008 (?! ) and are requesting a triple payment. When I called to inquire they stated my school had not updated the clearing house until XX/XX/XXXX. They said I owed all of the payments, interest and late fees regardless of the fact that this was an issue between my school and Navient. Best of all they offered me a Forbearance. That way they can tack on more and more interest to my student loan debt. I have called them twice and they refuse to help me other than to give me a Forbearance. I did everything I was supposed to do but yet I am getting hurt financially by a company that makes billions. I'm one student in America. How many other students are they doing this to? It's criminal.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, 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. (GA)

OXXXX XXXX XXXX XXXX XXXXl made an unauthorized inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Pull my credit and i did not authorize them to pull. 
XXXXXXXX XXXX XXXX pull my credit on XX/XX/, I did not authorize them to pull. 
XXXX XXXX pulled my credit on XXXX XXXX XXXX. Ive called all the companies listed and was told that they would remove the Inquires, but has not removed the inquiries. 

Also, Theres a XXXX XXXX  account ( opened XXXX XXXX ( amount of the trade {$800.00} ) reporting on my Credit file, that i am not responsible for, i am no longer listed as an authorized user on this account. i have disputed this account for the last 4 months, and this accounts still remains on my credit report. XXXX XXXX  no longer have me listed on this account and has taken me off. Equifax, XXXX, and XXXX  are still reporting this account.
Consumer complaint received 2024-05-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I had a CD mature on XX/XX/year>, I called to close it on XX/XX/year>, within the 10 day grace period. Customer service closed the account and offered to have the funds transferred via ACH to my external checking account. I provided the information and confirmed. Two days later I received a secure message on their web site which I then confirmed, stating that I agreed to the terms and that my information was correct. I checked two days later and the money had not left the account so I called customer service and they told me expect the transfer to process in 3-4 days. I waited XXXX more business days and called again since the money had still not left the account a week later and was told they will process the transfer in 3-4 business days ... the same answer I got the week before. I asked if there was any way to expedite the processing or if I could go into a branch to have a check drawn but they said no since they consider their online branch separate. A week and a half since I closed my CD, I am getting the feeling that they are purposely holding onto the money and I have literally no recourse or way to access it but to wait another 3-4 days before I try to contact them again. I have had dozens of bank accounts over the years and I have never had a bank hold my money hostage like this.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (FL)

This company never gave me a XXXX notice of dispute of this alleged debt they say I owe. This is a Volation of my rights they must provide me this information or delete this account immediately or I'll be more then happy to take this to fed court I request in court how this whole this is fraud as well. I will make you show the forward flow agreement which will prove the amount your demanding from me is much lower then what you paid for it to begin with. You are to delete this account immediately!!!!!!
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I AM HAVING TRANSPARENCY ISSUES WITH THIS SERVICER I HAVE BEEN CHARGED LATE FEES AND MORTGAGE LATES REPORTED ON MY CREDIT REPORT WHEN IN FACT I HAVE NEVER BEEN LATE ON THIS LOAN EVEN BEFORE THIS SERVICER TOOK OVER HAD I NOT REQUESTED FOR THEM TO START REPORTED MY LOAD TO THE CREDIT BUREA I WOULD NEVER KNOWN OF THIS ISSUE, AND MY FICO SCORE WOULD HIGHER, THE REAFFIRMATION TOOK PLACE EVEN BEFORE THIS LENDER TOOK OVER AND I HAD REQUESTED IN THE PAST TO HAVE MY LOAN TO BE REPORTED TO NO AVAIL ONLY WHEN I CONTACTED CFPB THINGS STARTED TO COME TO LIGHT I PROBBALLY NOT THE ONLY ONE THIS SERVICER NEEDS AN AUDIT OR SOME FINE THE DETER UNETHICAL BEHAVIOR
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (FL)

On XX/XX/2024, my card issued by Aspire, XXXX XXXX XXXX was declined. I was told the reason was because I filed bankruptcy. This is false, as I did not file bankruptcy, nor ever have. This exact problem happened a year ago and they admitted their mistake. I asked to speak to a supervisor and explained that their bank had made this mistake before. I received absolutely no attempt from the supervisor to look into the matter, informing me that I did inform fact file bankruptcy and that there was nothing they could do but close my account. I'm am shocked and appaled that this is how they treat valued customers, as I have an excellent credit rating and have never been late on a payment.
Consumer complaint received 2017-09-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (TX)

Ocwen has a copy of an allonge on their website which I have never seen before. Ocwen did not become our servicer until XX/XX/XXXX, but the allonge is signed by a XXXX XXXX as VP of XXXX XXXX XXXX with the loan number that was assigned to us by Ocwen in XX/XX/XXXX. The allonge is dated XX/XX/XXXX, same day as the closing date of our loan. XXXX XXXX has been with XXXX XXXX for 10 years, XX/XX/XXXX to present. We examined our loan file on XX/XX/XXXX and this document was not part of our original loan file.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC. (NY)

An unauthorized charge of XXXX dollars was charged to my account. I did not make the purchase. Sofi bank is trying to hold me liable when there is a 0 % unauthorized charge liability policy. Sofi reneged on that policy.
Consumer complaint received 2024-05-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

I have had my Amex {$100.00} gift card set aside to use. It does not expire until 2027. No matter where I try to use it, it is declined ; both in person and online. I confirmed the card is active and that the balance was {$100.00}. No matter where I try to use it it is declined. I attempted to contact Amex and just go someone in XXXX who told me to take it up with the stores I tried to use it at, or keep trying until it works. I want my {$100.00} back since the card doesn't work.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

Subject : Unauthorized XXXX Transactions and Suspected Identity Theft Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Wells Fargo Bank due to unauthorized transactions made via XXXX from my account, which I suspect to be a result of identity theft. 

Upon noticing these unauthorized transactions, I reported the issue to Wells Fargo immediately. Despite my prompt action, Wells Fargo denied my claim. I believe that I have been a victim of fraud and identity theft, and that the bank has not provided adequate assistance in resolving this issue. 

I request the CFPB 's help in investigating this matter and ensuring that Wells Fargo takes appropriate action. I also request assistance in taking necessary steps to protect my identity and prevent further fraudulent activity. 

Account Holder : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$400.00} ] Transaction Comfirmation No : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$120.00} ] Transaction Comfirmation No : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$1000.00} ] Transaction Comfirmation No : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$250.00} ] Transaction Comfirmation No : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$250.00} ] Transaction Comfirmation No : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$250.00} ] Transaction Comfirmation No : [ XXXX ] I look forward to your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ Email : XXXX Phone : XXXX ]
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Open Date XX/XX/2013 Balance : {$0.00}
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

My account was closed and XXXX reason that were shown not to be correct were given. Then I was told that XXXX has the right to end their relationship with the customer at anytime and they held onto my {$150.00} in XXXX account and {$.00} in the other and the gave me my deposit of {$610.00}. They told the banker that they would send me the balance of my account once they balance my account. The banker that was on the phone with XXXX told them there was nothing to balance since I had no pending transactions and could she just give me everything and they told her no. Now my account is showing negative {$450.00}. There final excuse was my claim history in which the banker stated are you serious because she could see from my account that it wasnt true.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, 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. (NY)

I have hard inquires in my Equifax and XXXX credit report that i did not authorized. 
my identity was stolen. on my equifax report I have 6 inquiries which are : 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 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 XXXX XXXX XXXXXXXX as you can see they are a lot or a lot of repeats that they try to get credit cards also they have me under XXXX XXXX and XXXX XXXX my last name is XXXX and I have never request credit cards loans under those identity. 
all I am asking is for those inquiries to be removed. 
thank you
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOUTHSTATE CORPORATION (GA)

I tired to open up a bank account, wasn't able to because they stated I was in XXXX XXXX reached out to XXXX XXXX they send me my report, as I stated previous on another complaint I was a victim of ID theft those accounts do not be belong to me, I have filed another police report and have attached it. My passport along with my ssn card along with other variables was stolen from me years ago this has been an un going process as I just want my life back please
Consumer complaint received 2024-05-07
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: AMERICAN HONDA FINANCE CORP (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : American Honda Finance ( account number XXXX )
Consumer complaint received 2023-11-13
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)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ME)

this started with complaint XXXX .   Wells Fargo who bought my VA loan has complicated my ownership of parcel   XXXX   XXXX  . I contacted CFPB and they helped clear this deeds legal description. all when well. this was apparently straightened out. Then at the refinance the lot was completely disreguarded. no record of it. after months of straightening things out, Wells Fargo is very slow. nothing is done by e-mail. all snail mail.
It appears they are working with my municipal tax office to manipulate ownership from me.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (KY)

Truist bank offered me a {$300.00} bonus for opening in account and having 2 deposits totally {$1000.00}. 
Within 90 days, social security took 75 days to make the first deposit. 
Social Security made a test deposit 30 days before that. Truist says that I do not qualify for the bonus. I believe this is false advertising and knowing that it takes At least seventy five days for the first deposit in social security which means it's impossible for me to have two automatic deposits within ninety days which is what their promo was for.
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Hello. My account is closed on XX/XX/2023. But I didnt receive any cashier check for my balance. I called a lot of customer service and never get real answer .I went to branch many times tooI need the fund to pay my house payment. I have already late pay for my house payment. I need help for the cashier check.