davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

In approximately XXXX of XXXX I, XXXX called Wells Fargo to alert them to the fact that my credit card ending in XXXX had been fraudulently accessed and charges made for an amount in the area of {$10000.00}. I learned this when I logged in to pay my Wells Fargo Mortgage and saw the balance on said credit card. They took my information and said that they would process what I had given them and get back to me. They did not get back to me. The following month the same account had not been closed still and now had XXXX in charges on a card with a XXXX limit! I again called and was assured that it would be taken care of. They NEVER contacted me again so I assumed all was OK when I logged in the following month and the card was no longer under my Log In. 

Fast forward to XX/XX/XXXX. My husband and I apply for a loan and find out that this Account WAS STILL OPEN and reported as unpaid in my name. I spent nearly a MONTH calling WF almost daily with indescribably incompetent representatives who all seemed confused as I repeatedly described the occurrence day after day until I was finally told that the Account was now closed and I would receive ( in the US mail ) a letter detailing the fraud and a subsequent adjustment to my credit report. In the interim they refused to email me anything that could confirm or deny any of this fraudulent activity, their inexplicable inaction when alerted to this fraud initially or their gross inaccuracies in their reporting to the credit bureaus. I still have not received this letter and my account, while closed is marked " Charged Off '' as if it were an unpaid obligation! This has hit my credit score for XXXX points and prevented me from obtaining our loan PLEASE HELP. me! I am at my wits end with this excuse for a bank and their grossly inept handling of this entire situation from my first call to them over a year ago.
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

I made a purchase through XXXX and I did not receive what I purchased. I paid {$880.00} dollars for a XXXX XXXX XXXX rental from XXXX XXXX - XX/XX/year>. XXXX also charged a {$25.00} service charge. I never received a valid reservation for the funds I sent and the seller ghosted me and deleted their social media account. I have endless photos of faked reservation emails sent from a fake XXXX email account. I have all our chat conversations, her XXXX information and her full name or alias she used. Truist bank never asked me to provided anything other than a written statement. I also filed a police report. I reached out to XXXX and said their was nothing they were going to do to stop the transaction and Truist was contact before the payment went through and still refused to stop the payment and let it post. Now they have denied my claim stating we could each out to the merchant. I have already told them via a mailed in written statement that XXXX was no help and this was not a valid reason to deny my claim. They did not provide any proof of how they came to their dispute denial decision.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. 
( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement. 
( 5 ) A computation error to other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least 21 days in advance, so precluding any occurrence of late payment on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
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 recently received a copy of my credit report and noticed several unverified and unauthorized hard inquiries. I am writing to dispute these unauthorized inquiries on my credit report. 

At this time, I am requesting that you please delete and remove the following inquiries below. 

HARD INQUIRIES XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX HARD INQUIRIES from EQUIFAX 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 These inquiries are affecting my credit score negatively and were unauthorized, time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please send me a copy of my updated credit report once this issue is resolved.
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I closed my acct with capital one 360 and a customer rep had to transfer the funds as I couldn't do to the acct being restricted so I had my other acct verified and capital one rep closed and transferred the funds to my other acct and it wasn't received I called the receiving bank to verify and there no records of transfer capital one is telling me it takes 45 days for them to investigate and decide it I get my funds of XXXX and can get a reasonable answer from any of the 20 people I've talked to there
Consumer complaint received 2023-11-13
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (FL)

Hunter Warfield collection, Pursuant Regulation F, 12 CFR 1006, 15 USC 1692 I have exercised my specified remedy and sent you on XX/XX/2023 A notice of debt validation.

You Hunter Warfield collections have violated my Rights pursuant 12 CFR 1006.34 ( c ). 
You Failed to provide all the required Documentation as per my request under the new rule Regulation F and Validation of debt.

The law is explicitly clear ignorance of the law is no excuse. Your 30 day Debt validation period has ended and you FAILED TO PROVIDE ALL REQIUED validation Information AS PER THE LAW 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

All collection activities on this Alleged Debt that you failed to provide validation within the 30 day period allowed by Federal law Pursuant 12 CFR 1006.34 ( c ) Must be DELETED Immediately. 
You have been warned I will pursue legal action if this account is not deleted in 15 Days from receipt of this Final notice. I will seek damages, actual damages, statutory damages, Plus all remedies adored to me under the civil liability section of the FDCPA and or Regulation F.
Consumer complaint received 2023-05-09
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. (TX)

On XX/XX/2023, I disputed the accounts attached and uploaded with Transunion. However, they failed to investigate and initiated an auto stall tactic letter out to me on XXXX which is not acceptable.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: MoneyLion Inc. (NY)

I have a membership with money lion the fee you pay is XXXX and you are not supposed to have any fees, but this is not only where the problem lies. They state that membership fee is waived I have statements and screen shots to this affect. I went through all my statements going back to XXXX where they have taken the fee of XXXX but never returned any funds to me as stated. So where is this money that was supposedly received? I did not receive any money back and this past month I made a loan payment 1 loan Payment after this loan payment was made they still came at me saying my account was not in good standing when it was. and took another loan payment plus charged me all these fees that are not supposed to be. I am on XXXX money is tight I am fighting for my XXXX XXXX benefits. I dont need a bank stealing I pay too close attention to my money. I have asked for a refund was denied. I am owed a couple XXXX dollars and they did this to someone else I had sign up. As they are out money. I recommended them. After taking a closer look with their nonsense I have everything you need.
Consumer complaint received 2024-04-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

CCS Collections has violated my consumer rights under 15 U.S.Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

CCS Collections is in violation for trying to collect a debt that was never owed. I relocated to Georgia and switched my car insurance company to XXXX. Once i provided proof of this to the original creditor ( XXXX ), they updated my balance to {$0.00}. However CCS Collections continues to report this negative account on my consumer report. 

CCS File Number : XXXX XXXX XXXX PIN Number : XXXX
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had fraud in my credit, someone opened 2 credit cards under my name and now it is in my credit report. I disputed this to my credit agency but the credit agency did not help me. They said they have done an investigation in the past and they are not doing another one. These account were opened in XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  original Transunion is not helping me deleting this fraudulent credit card of my report. They have refused to do an investigation in XX/XX/XXXX about this case in order to delete them. they refused to do an investigation again after they said it was verified on XX/XX/XXXX. And the companies verified. Transunion responded to the CFPB ON XX/XX/XXXX Complaint # XXXX stating that " We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. '' when I call they said they never closed this case because they never received it from the CFPB. TRANSUNION has did nothing to help and and has violated my rights into an investigation.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (IL)

I have reached out to the first digital to have their account removed from my credit file as it has been found to be opened fraudulently by the collection agency first digital sold my account to The collection agency has requested the company remove their negative account from my Credit and the consort has refunded to do so and refused to provide reasoning as to why they wont remove the account
Consumer complaint received 2023-04-20
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. (TX)

I want to follow up you about the request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me. The items I'm questioning have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove/delete the following items listed below : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-12-10
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: JPMORGAN CHASE & CO. (OH)

I received a denial letter for a XXXX XXXX XXXX account on XX/XX/XXXX. It is dated XX/XX/XXXX and comes from Chase Bank. 
I did not apply for this. I have no idea who did this using my name.
Consumer complaint received 2017-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America was our mortgage holder and they were having legal trouble last year we received a notice from Bank of America taking money off of our mortgage principle in the amount of {$53000.00}. we then received a tax document and we were told by bank of America and our accountant that bank of America would assist in paying the tax on the {$53000.00}. when we went to bank of America to ask for assistance they said we did n't qualify. So we were stuck with an XXXX tax bill. At which time we lost our son to suicide we were struggling both emotionally and financially. We struggled along and in the fall we became behind on our mortgage. We then contacted Bank of America to ask for a modification on our mortgage they said they would send package out to us to fill out. Two weeks went by we had n't receive the package so we called back, again we were told they would send out a package we did finally receive the package after waiting for three weeks. we filled all the papers out sent it back and again waited to hear. After waiting for another two weeks we called Bank of America again we got we need more information we did this three more times now we are into our third month behind. They would not accept any partial payment. so we sent all information in to Bank of America and waited. another month goes by we call. they said they had n't made a decision yet. so we waited. and waited. After waiting for three months we still had no answer and now we are so far behind we were sick with worry on what was taking so long and how are we going to catch up. We called bank of America one last time they again told us they had not made a decision yet. Then two week later we received letter from XXXX saying we were in default of our mortgage and we needed to pay the back mortgage or we will loose our home. 
Bank of America put us off for months until their sale of our mortgage to another company so that we are now at a point that there is no way we can come up with the amount owed at one time.. So we now are scrambling on how to save our home. If they were just honest with us and worked with us. They made our bad situation a whole lot worse.. I know that Bank of America has done this to other people it does n't seem right that we loose our home because bank of America used sneaky tactics. Now we are so far behind and not sure if XXXX is going to work with us. we applied for a modification with XXXX and we are waiting to hear from them.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO Bank, N.A. (AZ)

They have been trying to corner me to send my notarized photo ID in because I failed a voice password verification about three months ago. Having failed to forcibly extract that information ( which no other bank or credit card company I've dealt with has come close to requiring ), they have decided to XXXX with my online banking -- I can't even log in and make my minimum payment, because it says the password is incorrect, and when I try to reset the password, they say that the information I put in it to obtain a new password ( my email and my social security ) is wrong. Which is more likely -- that I don't know my email and my social security number, or that they just REALLY want to forcibly extract my photo ID from me, and they're making things more and more difficult for me ( when they locked the credit card, I had decided that I would just make the payments, and never use the card again ) in order to do that? What kind of insanity is this? Why can't they settle for a 2FA like every other credit card or bank? What are they planning to do with my information that they NEED it SO BADLY? It's extremely worrisome.
Consumer complaint received 2023-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (WA)

I refinanced my home loan with nationstar mortgage ( Mr Cooper now ) in XXXX. In XXXX of XXXX I received a letter from Nationstar saying they owed me a balance from this account. I completed the steps to have a check issued to me on XX/XX/XXXX. It is now XXXX and no check has ever been mailed. I made multiple good faith attempts to resolve the issue with phone calls and chat but nationstar would not allow me to get in line to speak with a person due to " high call volume ''. I submitted a ticket describing this issue and the response was " reach out to the state to regain unclaimed funds ''. These instructions are insufficient as well as misleading. The funds were claimed by me in a timely manner from the date notification was received. Refusing to contact or assist me when money is owed does not seem like it is legal. I hope this complaint will motivate them to explain where the money they owe me has gone and get them to submit payment.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Between XX/XX/2023 and XX/XX/2023 Equifax has reinserted an inaccurate account transaction from XXXX XXXX XXXX. I have first hand knowledge that the account transaction is a result of identity theft and is inaccurate. 

Equifax failed to provide me with certified proof that the transaction is accurate. 

I am exercising my right under the FCRA to a reasonable reinvestigation. If Equifax can not provide documentary evidence that the transaction is accurate, it must be promptly deleted from my credit report and file within 15 days. 

Equifax 's actions are negatively affecting my family.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closed my account, and held the remaining balance I had in the account, I have called multiple times and the reason they closed my account is given as " It a relationship of two and we let you go, the reason for holding the money is under investigation '' Its been a year or so under investigation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX Proof ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.