davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Date : XX/XX/2022 Amount XXXX dollars Basically, I deposited a check into my account and it took 10 business days for verification. Once it posted and was available in my balance Ive called the bank customer service to make sure he was available for me to start using it and they did confirm. Ive then went to the bank to try to withdraw and then the banker of that branch refused to let me withdraw some funds out of that and said they were gon na do more verification and as soon as I walked out the bank, my account got closed. I then called Wells Fargo customer service and they said on the phone that the money is posted and I should be able to access it. I went back to the bank and they said I have to wait for another 10 days of verification. They be going back and forth with me for months now. I called them again and they asked me to provide a letter from the check issuer stating that they actually wrote me a check which she did. Then they said it wasnt enough That we should both walk inside the branch ( the check issuer and the receiver which is me ) she flew out from New York to XXXX so we could fulfill their demand. Yet, they still gave us the run around as if this wasnt enough they asked the check issuer to go to her bank and have a banker print her bank statement showing that the funds were debited from her account which she did. So far all documents they asked us to provide we did provide. Yet they still havent released my funds. Im just leaving the bank now as Im writing to you guys and Im exhausted. I have all proofs. Letter from the check issuer stating that she made a payment to me, she also sent me her bank statement showing that the money be deducted from her account since XX/XX/XXXX. I also have the picture of the check. Im XXXX  and it sucks that I have to stress all over this. I been going back and forth with them since XXXX. Its been 4 months and Im begging you guys for your help
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$190.00}
Consumer complaint received 2024-06-03
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: CITIBANK, N.A. (MA)

In XXXX I made a purchase of storm door together with the installation service from the HomeDepot. For several months the contracted installer was not able to install and made severe damage to the building. After numerous conversation with the supervisor of the project, the local store manager and the online customer service, the purchase was refunded, hoever the damage to the property was never resolved. 

In XXXX this case was brought to the district court, JUDGEMENT FOR PLAINTIFF ( S ) DOCKET NUMBER XXXX Trial Court of Massachusetts District Court Department. JUDGEME

NT TOTAL PAYABLE TO PLAINTIFF ( S ) {$4800.00}.

The Homedepot never fullfilled the court order.
Consumer complaint received 2024-05-23
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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am submitting a complaint to the CFPB in relation to Equifax violating my consumer rights in furnishing these unverified inquiries without my written consent, that have resulted from identity theft. I have been trying to get matters fixed by writing and contacting Equifax and also coming to the CFPB for help. I have been unsuccessful i'm getting matters resolved with Equifax XXXX is XX/XX/year> and I still have not received any valid proof that I authorized these inquiries. I have Given Equifax 30 days which is a considerable amount of time to address the fraudulent Inquiries on my consumer report. which id like monetary value for since i never authorized them. This is a result of identity theft and happened without my knowledge. Inquiries are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The FCRA states that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely report of a known responsibility and ownership. Which equifax has failed to do. Which is why iam asking for the CFPB To assist me and to make sure my Consumer rights are not being violated any more than they already have. I have also Attached my Identity theft report, that is in relation to these fraudulent inquiries
Consumer complaint received 2023-05-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

REQUEST IMMEDIATE URGENT HELP FROM GOVERNMENT REGULATOR [NOT] FINANCIAL INSTITUTION.

1) I HAVE NOT RECEIVED AN ACTUAL MONTHLY BANKING STATEMENT IN YEARS.  2) ONLINE ACCESS IS BLOCKED.
 3) ALTHOUGH I NEVER GAVE THE BANK AUTHORIZATION TO CHANGE MY MAILING ADDRESS.  THEY CHANGED IT TO A PO BOX AND REFUSE TO CHANGE IT BACK TO MY PROPERTY ADDRESS.  
4)  FROM MY PREVIOUS COMPLAINTS; I HAVE A LOAN PROBLEM.  I HAVE EXPLAINED NUMEROUS TIMES AND NO ACTION IS TAKEN TO ASSIST ME.  IN FACT, THE OPPOSITE. THREATS HAVE INCREASED AND THE LENDER PURPOSELY DESIGNED A LOAN MODIFICATION FULL OF THREATS, LOOPHOLES, QUADRUPLE FROM ORIGINAL LOAN PAYMENTS; AND T/L AND DECEPTIVE TRADE ACT VIOLATIONS.  


HERE I AM ONCE AGAIN IN THE 11TH HOUR....PLEADING WITH CFPB TO TAKE THE SLIGHTEST INITIATIVE BEFORE XXXX XXXX XXXX.  THE GOV HAS HAD MONTHS OR OVER A YEAR TO ASSIST WITH THIS SERIOUS MATTER.  THERE SHOULD ALREADY BE A PAPER TRAIL OF COMPLAINTS REGARDING THIS PROBLEM FROM XXXX XXXX.  

PLEASE CONTACT ME DIRECTLY.  THANK YOU.
Consumer complaint received 2022-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC (GA)

I XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: N26 Inc. (NV)

A banking company N26 Close my account after calling customer support to get the statements I need sent to me I was told Im not able to get them because I dont know the creation date of the account Verified all other information and asked to speak with somebody higher than them a lady name XXXX or XXXX who answered the phone. She denied me speaking to somebody higher regarding the account
Consumer complaint received 2020-12-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

on this date XXXX the following credit bureaus have not responded to my investigation it is now over 45 days later. I demand that they investigate and remove all inaccurate and erroneous items from my credit report immediately.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XX/XX/20 I sent a letter to all three bureaus regarding inaccurate information on my credit report and to this day over 60 days later I have not received a response yet.I feel like I am being taken advantage and being ignored of my disputes.I demand these inaccurate information removed immdiately.
Consumer complaint received 2023-05-26
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. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX, each major credit bureau ( Transunion, XXXX, XXXX ) were sent dispute letters via certified USPS mail regarding specific inaccuracies on my credit reports which are heavily restricting my ability to obtain credit and to increase my credit score overall ( letters attached ). 
On XX/XX/XXXX, each major bureau was informed via certified USPS mail that they have violated federal law by not responding or removing these inaccuracies within the allotted 30-day period. So, by federal law, they must comply and remove these inaccuracies on my credit report. 
Attached to this complaint are my initial letters sent in XX/XX/XXXX and my request to remove letters sent in XX/XX/XXXX. 
Each letter has USPS certified mail info attached as well.
Consumer complaint received 2024-03-03
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: Experian Information Solutions Inc. (IA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-12-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I arrived home at XXXX XXXX XXXX XXXX, XXXX, NC to find another notice stating my home is being considered " Abandoned/Vacant ''. Is this some sort of ploy by the mortgage company to avoid responding in writing to complaint Case number : XXXX? They are threatening to remove my locks again and lock me out of my home on the grounds that it is " Abandoned/Vacant ''. How can they keep doing this?
Consumer complaint received 2022-11-08
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY (TX)

On XX/XX/2022, I purchased the following egift cards for my daughter 's birthday ( XX/XX/2022 ). Order # XXXX, order # XXXX, order # XXXX, order # XXXX and order # XXXX. I could not regift these ecards to my daughter on the XXXX of XXXX so I filed a dispute. I decided to regift them to my neice on XX/XX/2022 and they did not go through because of the dispute. 
When I received my XXXX statement, XXXX charged me for seven gift cards when I only purchased five. Immediately filed another dispute in the amount of {$180.00}, today I received a notice that my dispute was closed and that I had to pay for seven gift cards that I have not been able to use, nor did I order to be used ( seven ). I called XXXX today and tried to tell them that I still can not use those cards. They just kept switching me to different departments and after XXXX minutes they disconnected the call. 
I am not going to pay for egift cards that I did not order nor pay for cards that I can not use.
Consumer complaint received 2020-12-17
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. (NY)

Theres three inquiries on my credit report that I knows nothing about. XXXX XXXX XXXX on XX/XX/20 and XX/XX/20 Ive never tried to open up any accounts with this company. Also XXXX XX/XX/20 I already have an account with them so why would I apply for a next account with them
Consumer complaint received 2023-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

LVNV FUNDING LLC {$780.00} I believe these companies has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 
This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature!
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: COMMERCE BANK (MN)

XX/XX/XXXX commerce bank XXXX XXXX XXXX XXXX XXXX, MO XXXX Dear Madam or Sir : Re : ( XXXX on XX/XX/XXXX ) On XX/XX/XXXX, I purchased the following product or service : This in regard to commerce bank violation of law by taking approx. {$1300.00} payment on a an open disputed charge. They say the don't have to abide by federal law ( and send me to different commerce bank department which send me back to the dispute department ) regarding that. 

Unfortunately, I was dissatisfied for the following reason ( s ) : violation of the federal law about paying bill while a dispute is open and the dispute is certain to resolved in my favour since I provided ample evidence that I never received the merchandise and the merchant promised refund several times and never delivered on his promises. 

To resolve the problem, I would like the following to take place : I would like a full refund of the payment on the disputed charge. 

I have enclosed copies of my records related to this situation. 

I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone at XXXX. 

Sincerely Enclosure
Consumer complaint received 2023-06-09
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

I've already disputed this item with each bureaus, but they did not remove it, nor prove validation.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-05
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2020-12-14
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. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2022-10-09
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. (OH)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX ACCT # XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection angecy. I will await your reply with the above requested proof Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau 's expected or damages will be sought after All accounts in dispute listed below.
Consumer complaint received 2021-02-18
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: WELLS FARGO & COMPANY (IL)

My records associated with the account WELLS FARGO HOME MORTGAGE with account number XXXX and XXXX do not compliment with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and method of verification to WELLS FARGO HOME MORTGAGE but I did not receive what I asked and these violations persist on my credit report.