davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY (FL)

I purchased a home on XX/XX/2023 at XXXX XXXX Title XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
During the closing they collected {$2700.00} for my home owner 's insurance policy through XXXX XXXX. 
90 Days after closing I received a letter from XXXX saying the policy had been cancelled because they never received payment. 
On XX/XX/XXXX I followed up with Wells Fargo who instructed me to contact XXXX XXXX Title regarding the funds. 
On XX/XX/XXXX I contacted the XXXX XXXX Title which informed me that the check had not been cashed and they would reissue another to XXXX but I asked them to hold off until I spoke to my agent about the policy since I was certain it couldn't just be paid. XXXX XXXX sent me an image of a check but I have no proof they mailed the original to XXXX XXXX XXXX XXXX 
During the week of XX/XX/XXXX Upon reviewing the situation with my insurance Agent ( XXXX XXXX ) they informed me I would need to reapply for insurance with XXXX and would have to pay more for the lapse in coverage. The second quote was more than double. I contacted XXXX insurance mutliple times myself and was told they do not send letters or notices for non payment of new policies. 
In order to apply for new insurance I had to get a new XXXX inspection which cost me {$150.00}, and I used that to finally obtain a policy with XXXX XXXX XXXX for {$3300.00}, an increase of {$600.00}. Compounded over the life of my 30 year mortgage, I will pay an additional {$18000.00} for home owners insurance. 
Finally, Wells Fargo sent me a letter last week informing me they were going to charge me for {$1700.00} for the 4 months the home was not insured ( 90 days we thought we had insurance plus the 30 days it took me navigating this mess ). 
XXXX XXXX XXXX refuses to take responsibility for the funds not being dispersed. They eventually sent me the original {$2700.00} from the closing only after Wells Fargo instructed them to do so. I originally asked them to give me the difference in policies ( {$600.00} ) and they refused. 

Total loss right now for XXXX XXXX 's mistake is {$22000.00}. 

{$150.00} for new inspection {$18000.00} {$600.00} per year increase in insurance premiums, assumed compounded over 30 years {$1700.00} for lapse in coverage. 
{$2000.00} for my time ( conservatively XXXX hours )
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: M&T BANK CORPORATION (CT)

I attempted to do an XXXX XXXX cycle with a XXXX  clinic, XXXX, back in XXXX for which they fabricated medical information and committed medical fraud. They stated I had XXXX XXXX and could get XXXX XXXX XXXX XXXX. I simultaneously had my primary XXXX  perform an XXXX for which I have the medical records stating that there wasnt any follicles most likely but possibly there was one and that I was XXXX. In the end I never got the service that I paid {$8000.00} for and lost in additional {$4000.00} or so on the medication. This XXXX XXXX could not even supply me with medical records that this was attempted or anything which is another violation of medical law. I put this on my M & T bank credit card for which they did refund me the medication amount but the {$8000.00} clinic amount they are not refunding me despite the fact that the merchant stated multiple times that they would give me a refund! I have an email from the merchant stating they would email me dated XX/XX/2023 and the bank is refusing to acknowledge that and take the money back. That is in violation of United States credit laws. If merchant promises a refund, the bank is supposed to take the money back on behalf of the customer, and they are refusing to do so.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was sent a collections notice from the Portfolio Recovery on XX/XX/23 On XX/XX/23 I sent them a demand for investigation under the Fair Credit Reporting Act section 623 subsection 8D Proving that they have any rights to collect alleged debt. 

I received verification of debt on XX/XX/23 I then sent a second demand on XX/XX/23 explaining my first letter was a proof of contract and not a request for verification. I received back a letter explaining that's all the information I would receive. They have since placed my information on the credit reporting agencies and directly are affecting my credit history. 

on XX/XX/23 I received notice from XXXX and Assoc out of XXXX Tx notifying me that I had been placed for collection with their company.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/XXXX XXXX XXXX XXXX XXXX  I wrote to equifax requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you make sure they are reporting 100 % accurate information from my credit report and request that you reply within a reasonable amount of time.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (CA)

I've started an investigation with Chrysler capital, did everything they ask even hired a lawyer to help me in this process. I don't won't to sue due to that cost more but I will if necessary this is my last attempt to make this right. 

I am XXXX XXXX I never had any connection with Chrysler capital I am victim of identity theft. 

I started the fraud investigation with you all but you guys stated it was no fraud found when I submitted signatures and it was notarized. 

My lawyer spoke to your team over XXXX times and you guys just keep pushing it backs Please help me this isn't my account.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/XXXX 2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/XXXX 2017 and they completed the request on XX/XX/XXXX, 2017 and XX/XX/XXXX 2017. I also disputed these same inquiries on XX/XX/XXXX, 2017 and on the same day XX/XX/XXXX,2017 the investigation was completed. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days also 1 day after the receipt of my certified letter and online dispute, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me and are FRAUDULENT. I did not sign for anything. I also sent in a police report. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Weber & Olcese, PLC (MI)

I received a summons in the mail on XX/XX/XXXX saying that I had outstanding amount with a company I have never heard of in regards to an old account I had. The person delivering the summons specifically said that I dont have to do anything in regards to the summons and all I had to do was call the number listed. After attempting to reach out to the company via multiple phone numbers listed and getting no response, I did my research. I am now realizing that I have to respond to the summons mentioned above. Thankfully I am still within the 21 day timeframe to respond to the summons. However, this experience was horrible I had received zero communications and received no proof of debt from this company. I was also told not to respond to the summons that was sent, which I have learnt, leads to an immediately decision made against me.
Consumer complaint received 2024-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (LA)

On XXXX XXXX, 2023, I received a statement showing XXXX ( and below ) eligible PSLF payments. In XX/XX/ 2023, MOHELA placed all borrowers on an administrative forbearance. It was stated that we would receive credit for this period and this has not been updated. Additionally, after the administrative forbearance ended, my eligible PSLF payments were incorrect showing only XXXX ( and below ) eligible PSLF payments. I contacted MOHELA several times about this issue. In XXXX, I received a response stating the number of eligible PSLF payments were initially counted incorrectly. It is apparent that this is an issue on MOHELA 's end. Regardless of how the payments were counted, I would like my eligible PSLF payments to reflect the original number of eligible payments. This is not an error on my end and would like to receive proper credit for eligible PSLF payments.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I have had an account for over 25 years with Citibank. 

From XXXX XXXX XXXX I made a lot of cash transactions from the account ( withdrawing cash from ATM, teller, cash advances, etc ). I verified my identity every time I was asked about it. 

On XX/XX/2023 I couldn't access the account. I called and wasn't able to contact them since the account or ssn didn't exist ( any longer ). Walked to a Citibank branch, and was provided a different number to call. I realized the branch was completely helpless and couldn't even access my account information. 

Called the Bank Fraud and Security and they stated " the account has been refereed for closing, the review last 30-60 days, and there is not more information ''. They hang up on me XXXX. 

I requested : 1- Unblock the account, let me withdraw my funds from a branch where you can verify my identity XXXX more time, I can close the account myself since you have made a decision not to service it. 

2- I told them I had my payroll direct deposited that day- which would serve for paying rent, Holiday expenses, food, etc. I needed the funds for day to day operations. 

3- To accelerate the closing of the account. You can't block my funds for 30-60 days as stated by the Security personnel .

It has been almost a week, and they haven't released my funds. They have blocked my payroll direct deposit. Basically, they are keeping my money with no authorization. If they have decided not to service my account any longer, I am fine with the decision, but I want my funds delivered to me on a fashionably manner. With the level of technology that exists today, the 30-60 days they give you- which is not acceptable. After all this is not a credit card or a loan. This is my money!
Consumer complaint received 2017-12-16
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. (FL)

EXPERIAN HAS REFUSED TO DELETE A COLLECTION ON MY REPORT THATS BEEN IN THERE FILE OVER 27 YEARS. FEDERAL LAW THIS COLLECTION TO BE DELETED AFTER 10 YEARS. 

THE COLLLECTION ACCOUNT THATS BEING REPORTED IS : XXXX/XXXX ACCT # XXXX SINCE 1991
Consumer complaint received 2022-12-20
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. (AZ)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Zions Debt Holdings (KY)

On XX/XX/2023 - ZIONS is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. When contacting them back to stop contacting and put me on do not call list, I was told they do not make phone calls which is a lie and very unacceptable practices. I am sure this is a violation of the FDCPA. It is the CFPB 's job to protect the consumer and ENFORCE the LAW. ZIONS has also never validated the alleged debt they CLAIM I owe. And they are also not honoring my request to opt out which I have sent sever times which is also an unlawful act on their behalf. Please forward to general counsel. 16 CFR Part 313
Consumer complaint received 2023-08-19
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

I have several unauthorized charges on my account and filed a dispute. Chime bank denied it yet fail to give me evidence as to how and why they arrive at the denial decision. I thought my money was safe banking with chime but apparently not. 
I did not make the disputed transactions and yet I am force to accept it and lose the funds.
Consumer complaint received 2024-01-04
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had applied for Solar Panels with Dividend Solar Finance which was approved on XX/XX/XXXX. However, there is a second hard inquiry from Dividend Solar Finance on XX/XX/XXXX which results in an increase of the hard inquiries on my account. 

Same for XXXX there was one inquiry on XX/XX/XXXX and another one on XX/XX/XXXX. I only authorized 1 inquiry same for XXXX. Inquiry date XX/XX/XXXX and another one on XX/XX/XXXX all the above are duplicated and have a negative impact on my inquiry count.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am filing this second complaint with Consumer Financial Protection Bureau to report my recent experience of Financial Abuse with " XXXX XXXX '', Compliance Department. First and forest, I am a victim of financial abuse, which has reflected on my credit report within the last couple of months. I am filling this complaint to report XXXX XXXX for fraudulently processing my credit report over 8 attempts within the 40 days. XXXX XXXX has processed my credit report up to eight times within the last two months and running my credit twice on the same day and on different occasions, which resulted in this issue. This company has abused my credit report and continues to process my information without my authorization and consent. As a victim of financial abuse, I had no choice to place a freeze/ fraud alert on my credit report with all credit bureaus. My accounts with Equifax and XXXX Credit Bureaus are currently being investigated due to this unauthorized activity in such a short amount of time. I have reported this matter to XXXX XXXX several times over the phone and via email to XXXX XXXX, from the Compliance Department from XXXX. I have not received any updated documentation or information on this matter from XXXX XXXX. I have spent weeks and days attempting to resolve this matter and there seems to be no response from XXXX or this department. I am seeking a resolution to recovery my credit report. I have listed below the dates that this company has abused and processed my information without my consent. XXXX XXXX : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My information has been used fraudulently without my knowledge nor consent. This has resulted in a un-authorized bankruptcy being reported on my credit reports, along with an account, several addresses that I'm not connected to, and some un-authorized inquiries. I am requesting that these items are deleted immediately.
Consumer complaint received 2024-01-04
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: EQUIFAX, INC. (MO)

Contacted equifax and advised when going to library to print off my credit report that its advising me to contact them and when Im entering my information to reset my password because its telling me that I am not entering the correct password even though Im using this same log in information on my computer nothing checks out. I cant reset my password at the library equifax only advises to try again
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (IL)

I've been trying to fix this problem for almost 1 year now. Marcus by Goldman Sachs bought the GM credit card that was owned by XXXX XXXX. During this transition they mistakenly closed the account. They have since re opened the account but my 30 year credit history has gone away due to their mistake. Now this account is showing as a new account and it's lowering my credit score significantly because my length of history is showing an average age of 11 months vs over 30 years before. My score was over XXXX and now it's in the XXXX range. That's a huge drop. This account was my oldest account and was never a problem till Marcus bought it. I've made prior complaints on this and thanks to the CFPB they did get it fixed but only on one credit report which was XXXX. When I made another complaint asking them update on the other two credit bureaus ( XXXX and XXXX ) they took a step backwards and now all three reports are wrong again. They said on the last complaint there was a XXXX on this account. That makes no sense. There has never been a XXXX on this account. If there were, the account would have been closed long ago by the original lender which was XXXX XXXX. This account was in perfect standing when they acquired it. Someone at Marcus is making a very large mistake and for some reason they don't seem to understand my problem and how I want this fixed despite countless phone calls to them. I have documents to attach to this complaint to prove all this. One letter from Marcus admitting their mistake and how they would fix it ( which they haven't ) and copies from my credit report showing how the account was in perfect standing the last month XXXX XXXX owned it and the first month Marcus owned it. Again, no XXXX has been on this account.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Tried to open new checking and savings. Was denied and the referenced the security freeze I have with Experian and that I needed to lift it first. 

First of all, I have an alert, not a freeze. They didn't even understand the basic terminology and the ALERT is there for good reason. I'm not changing that ALERT. Most companies ask security questions from my credit report and go from there. These people were unprofessional and intended on ESCALATING the situation further when I was already clearly upset.