davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (AZ)

In XX/XX/XXXX. I contacted US Bank regarding a forbearance for my mortgage. I was placed on forbearance for the month of XXXX. I was told that the payment would then be due in XXXX but if I needed further assistance to contact them XX/XX/XXXX to see what I can be approved for. I contacted them on XX/XX/XXXX just to be proactive to see if there were any other assistance options. I spoke with a representative and she told me that she would have to end my forbearance to see what I would be approved for. Before we continued the process I let her know that if this would negatively impact me that I did not need to continue with further assistance and that we would be able to make our mortgage payment by XX/XX/XXXX. The rep did not confirm nor deny that this would negatively impact even though I mentioned this twice during the call. She continued to see what I would be approved for and she offered me a payment deferral for XXXX and XXXX mortgage payments. During this process none of the disclosures mentioned how this could negatively impact my account or my credit report. I called back on XX/XX/XXXX to make sure everything was in place for the payment deferral and to make sure I was ok to not pay my mortgage that day. On XX/XX/XXXX I got a credit report update that my mortgage is 30 days late. I immediately contacted us bank  and they me I could dispute it which I did but it was not changed. I worked with US bank for a month to try to get answers and to see why I was never told that if I did a payment deferral my credit would be negatively impacted. I had multiple phone calls and nobody was able to assist me. The phone call where I stated that if this would negatively impact me was listened to but US bank stated that they still would not change the reporting. I asked for further explanation on how this could happen and the last representative I spoke with on XX/XX/XXXX refused to further explain because she said they already did. I had multiple phone calls with this company and stated I could make my mortgage payment on the XX/XX/XXXX but I was never provided the information I needed to prevent this from occurring. I also stated I could make the mortgage payment and was never told to make it to prevent negative credit reporting.
Consumer complaint received 2023-12-10
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (OH)

My floor and decor credit card with comenity capital bank has been closed. They are still charging me a minimum interest charge of {$2.00} and late fees. I do not know how they can charge me this when the account is closed. It is also reporting to my credit even though the balance was paid in full and the account closed.
Consumer complaint received 2023-04-21
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: BARCLAYS BANK DELAWARE (NY)

Barclays, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.
Consumer complaint received 2023-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

I didn't know I owed anything until I saw the collections notice on my credit report. This collections agency never called me. Sent an email, or mailed me any kind of notice that I received. The collections is from a XXXX XXXXXXXX credit card that they bought the debt from. I gathered this from what is written on my credit report. I had paid this debt through a credit card consolidation I had done many years back. I disputed this debt with the company and no one has reached out to me or removed it from my credit report. I won't pay this debt twice. It needs to be removed from my credit report.
Consumer complaint received 2023-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Friday, XX/XX/2013, I walked up to an ATM Machine located inside the XXXX XXXX XXXX in XXXX XXXX, XXXX. I inserted my Bank of America debit card, clicked Balance Check " on the screen '' The balance was {$62.00} and change. 

Then I decided to withdraw {$50.00} because the fee was {$6.00}. So, I authored everything. The print out reflected Available Balance {$6.00}. ( See image ). Then I went to XXXX XXXX, and bought toilet paper and paper towel for {$2.00}. That's the ONLY transaction I made. 

Yesterday, XXXX, I went back to the same ATM late at night, around XXXXXXXX XXXX to check my balance on the screen. I wanted to know if XXXX had refunded {$38.00} of double billing ; and can you believe the screen reflected NEGATIVE XXXXXXXX XXXX and change. How can that be? My account does not have over draft protection. The ATM fee was removed up front the same moment I withdrew {$50.00}. So, where is the negative balance coming from? 

XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC # XXXX is violating my consumer rights by reporting negatively on my credit report. 

This is a direct violation of my consumer rights!! They are debt collectors not licensed in the state of Florida  to collect debt, I've asked accounts to be removed by both credit bureaus and LVNV FUNDING LLC both have failed to removed the erroneous account from my report. 

This is my last and final warning before legal action is taken and LAWSUIT will be filed for violating consumer my rights. 

I'll also be reporting them to the FDCPA as well.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Owed : {$3000.00} XXXX XXXX XXXX  Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Owed : {$0.00}, XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Inquiries included in dispute : XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (MD)

I, XXXX XXXX XXXX, has actively began to file a Formal Complaint against Wells Fargo XXXX XXXX Department. Attached is all supporting documentation to support this formal complaint. 
On XXXX XX/XX/XXXX I, XXXX XXXX XXXX called my primary bank, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, NH XXXX to make a bank-to-bank wire to XXXX of your clients of your bank, Service beneficiary, XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX. 
XXXX XX/XX/XXXX XXXX contacted XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX 
XXXX XX/XX/XXXX I received a receipt of this bank wire transaction ( see attached enclosure ) XXXX XX/XX/XXXX I reached out to XXXX beneficiary, XXXX XXXX and they stated, they never received the wire. 
XXXX XX/XX/XXXX I reached out to XXXX XXXX XXXX and Wells Fargo. 
XXXX XX/XX/XXXX I requested a recall from XXXX, not an amendment, which Wells Fargo claims. 
XXXX XX/XX/XXXX I went to Wells Fargo as instructed by Service FCU XXXX XX/XX/XXXX I met with XXXX XXXX, XXXX XXXX XXXX XXXX ID XXXX XXXX XX/XX/XXXX XXXX, Wells Fargo XXXX XXXX contacted your wire department, and they located my missing funds of XXXX. They both assured me it would take approximately two ( 2 ) Business days to recall my funds and have it sent back to my checking account. At the end of this meeting, the XXXX XXXX XXXX, on the call as well, it was determined Wells Fargo would indeed return my {$860.00}. 
XXXX XX/XX/XXXX both banks played the blame game and still no return of my funds. 
XXXX : As of XXXX XX/XX/2023, no one has contacted me and Wells Fargo is holding my money. I am a non-member. I was a member of your bank throughout my XXXX military career and decided after constant hidden fees and poor service to close all Wells Fargo accounts . Not exactly sure why you are still holding on to my money after it was clearly established on XXXX XXXX that you would return the funds to XXXX XXXX XXXX to my checking account. The funds never should have been accepted due to wrong service beneficiary and wrong account number. Assuming there are systems in place to prevent these types of errors. There is clearly enough incompetence displayed all around this scenario. I will now have to contact my attorney, which will of course cost more and inform the public community via local news channels to publicize your organizations lack of customer service and care. I can only XXXX how many other elderly and other disadvantaged people this has happened to and they did not know how to go about retrieving their funds, which clearly should never have been deposited in the first place. I hope we can resolve this matter and return my funds without incident or friction. This letter serves as a formal complaint against Wells Fargo , Wire Department due to incompetency and the delay of recalling my funds. 
P.S. This is clearly an example of SARBANES-OXLEY, consumer getting frauded by the bank. 
Respectfully,
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; 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 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 2023-08-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (IL)

My former mortgage company transferred my mortgage to XXXX in XXXX, told me in XXXX. Right path applied a grant for {$7000.00} from approved grant from XXXX to XX/XX/XXXX. In XX/XX/XXXX referred me to foreclosure and I filled at least 3 complaints with the Consumer Financial Protection Bureau for not accepting the ILHAF payment and trying to get my home foreclosed fast. Now my New Mortgage Company, XXXX XXXX, says I owe {$2800.00} for legal fees, maintenance fees and property inspection for 5 months in a row from Rightpath Services. These charges were not on my statement XX/XX/XXXX and now they are from XXXX. Fraudulent charges that should not be there.
Consumer complaint received 2023-10-21
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (SC)

Ulta credit line with wrong credit line amount, fraud charges not reimbursed and that affected my credit score... closed it but problem was not resolved ... rewards stolen ... .they said I could not fight them ..?,... 

Wrong APR ... as well ... they did same with XXXX XXXX credit card, and others under comenity Denied XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX Credit card line wrong and wroXXXX XXXX  ... .since XXXX 

XXXX XXXXXXXX benefits limited, wrong APR, and credit line and Talbot 's credit card line of credit and APR... it is not income ... ..they are holding me down ... my income, etc and shut down other sources of income .... 

Blacklisted, defamated forgery restricted discriminated ilegally retaliated persecuted ilegally Advise
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AL)

XX/XX/XXXX- Discovered on my credit report that the debt collector, Genesis Credit Management , LLC had reported a {$1600.00} debt to all three credit bureaus. 

Prior to that, I have not spoken to, nor received any mail or communication about this debt from Genesis Credit Management LLC. I was completely unaware that the debt would be turned over to the credit bureaus. I was not given a chance to verify, nor dispute OR been notified that I could dispute the debt. I was completely blind-sided until I saw my credit score. I was also not aware that this debt would be turned over to collections ( Genesis Credit Management ). There was no contact throughout the entire process.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Incomm Holdings Inc. (NY)

I have an old Visa Vanilla gift card. I called the company to find out if there was a balance and how I could get a replacement since the card is now expired. The number on the card is no longer in their system, I assume because it is expired. They said without the number or the receipt of purchase they can not help me. I asked multiple times how they manage this if someone does not have the receipt ( gift card ) or the number is unclear and/or expired. They refused to elevate this to the next level and also were not able to provide on phone or from their website information on how to request the balance, a refund and/or updated card.
Consumer complaint received 2018-07-19
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

my car was totaled by an accident on XXXX XXXX 18. 
my insurance company paid honda. honda sent me a letter not to continue to pay the lease. then they sent me late notices. i called them they said i had to pay the lease for a car that was paid off by my insurance company. then i get a letter from honda that the car is paid off. the issue is that my credit is wrecked and i annot get it repaired because of this.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Owed : {$3000.00} XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXXe Owed : {$0.00}, XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Inquiries included in dispute : XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX
Consumer complaint received 2024-07-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (SC)

I was trying to transfer money out of my Citi Savings account on XX/XX/XXXX. I was calling to talk to someone. They wanted to know what I was calling about, so I said I was calling about a transfer. The automated system automatically transferred {$21000.00} from my Citi Savings to my Citi Credit Card. I called immediately and was told they would expedite it back to my savings. I've called numerous times to check on this. I've been told a different story every time I call. I'm now today XXXX being told that it was approved and I have to wait 3-5 business days. 
Every time I call, they tell me something different. I'm getting a check, expediting back immediately, can only be a transfer back to where it came from, it takes 3-5 days, it takes 5-7 days, it takes 10-14 days, it was started on XX/XX/XXXX and approved on XX/XX/XXXX, it was called on XX/XX/XXXX and started on XX/XX/XXXX then approved on XX/XX/XXXX. 
I still don't have my money and now it will take another 3-5 business days. Then when it gets transferred to my Citi Savings, I'm going to have the same issue trying to get my money out. Now on the same phone call, I'm being told that I am getting a paper check and it will take XXXX days.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

We opened a new checking and savings account online at Citizen 's Bank on XX/XX/2023. To fund the account, an ACH transfer of {$2400.00} from XXXX XXXX  XXXX was entered with allocations of {$2200.00} to Citizen 's Checking and {$260.00} to Citizen 's Savings. The {$260.00} transfer is still not completed as of XX/XX/2023. Attempting to resolve the issue with Citizen 's Bank, they disclosed that they had an issue affecting new online enrollment accounts, resulting in our new savings account being " frozen '' immediately after opening with no official reason. The fund transfer was rejected, and Citizen 's Bank is unable to locate our money or assist in any helpful way. Citizen 's claims they returned the funds to XXXX XXXX XXXXXXXX on XX/XX/2023 and provided us a tracking number, but XXXX XXXX XXXX claims they do not have the funds and can not help us.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (SC)

Multiple charge offs are being reported on my credit. XXXX XXXX Acct : XXXX {$25000.00} XXXX XXXX XXXX {$22000.00} XXXX : XXXX {$22000.00} According to The IRS : You must report the canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! By definition, the IRS clearly says a canceled debt or charge-off is income. The reporting of these accounts as debt are inaccurate. 

They are violating my rights under 15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states have the right to privacy 15 USC 1681 a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports Company information
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Account Date of service XX/XX/XXXX reflecting on TransUnion XXXX report on the amount of {$19000.00} with Date open on XX/XX/XXXX date from delinquency is 10 months past collections after 60 day never received validation of debt or made aware of the account placed in collections once I reached out there text with serval attempts to settle for less than {$4000.00} without cellular phone consent to text me regarding this account once I investigate the allegations I was made aware that account was pif to original creditor and submitted proof of the explanation of benefits in writing to TransUnion to support that account was pif I then received update on XX/XX/XXXX that this account was closed however balance owed still reflecting but with a different amount of {$17000.00} so I proceeded to contact TransUnion to dispute account for balance owed to reflect XXXX on XX/XX/XXXX I then check the status of the dispute and I was informed that that the information was accurate by customer service member named XXXX then inquire about whom the investigation had taken place with I was then transferred and informed by XXXX whom stated on a recorded line that she was the supervisor and that the collections agency which the account was closed in XX/XX/XXXX confirmed the information was accurate which is a violation of the FDCPA I also received a letter from TransUnion stating that there was no credit history report found and to provide further information to sn address that is not listed onu consumer report which is 8n violation of compliance and false information regarding my report and dispute request I have supporting documents to validate everything in this summary of events to be true and I also was informed by XXXX that I will need a subpoena in order to pull all calls in reference to this situation which is violation unable to give any legal advice for assistance. There is also an account that has been PIF and is reporting to my CBR 5 TIMES which I have the EOB from insurance company that this ambulance and hospital bill is in fact PIF