davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OR)

I created a new business checking account with Wells Fargo. I created this account in person, in the XXXX XXXX location in XXXX, Oregon. 

I then logged into WF online banking to transfer funds into this new checking account. As instructed by the rep at WF bank, I used the transfer feature within the app. I linked my XXXXXXXX XXXX business checking account to the new WF business checking account. Small amounts were deposited and withdrawn, and I confirmed these amounts in online banking to finalize connecting the XXXX accounts. 

I then requested a transfer of {$10000.00} USD from XXXX to WF. A popup told me the request was submitted, and that the transfer would be complete in XXXX business days. I checked periodically and can see that the {$10000.00} was deducted from the XXXXXXXX XXXX account on XXXX XXXX, 2022 - but that it never landed in the WF account. 

When I called XXXX about this on XXXX XX/XX/2022, they confirmed that the {$10000.00} is in fact gone and has been pulled from my account. When I explained the situation, they insisted I call WF to have them return the money. They also explained that without a XXXX ID # they couldn't give me much more information. They explained that we couldn't reverse the XXXX, since it was initiated from within the WF online banking program. 

When I called WF on XXXX XX/XX/2022, they insisted that there was nothing to refund, as they never received the {$10000.00}. They refused to share with me the XXXX ID #. I spoke with XXXX, who placed me on hold for over XXXX hour and XXXX minutes, without much progress. He explained that on WF 's end, it shows that my transfer request " was cancelled by a banker before XXXX '' and that the transfer was " declined, '' but no reasons for these actions were given. After almost XXXX hours, XXXX said an investigation would occur and gave me the case ID # XXXX. He said I'd get an update " with the status of your investigation within XXXX business days. '' So as if this moment, {$10000.00} USD of my business ' money is lost in limbo.
Consumer complaint received 2022-12-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (FL)

We really need your help and intervention with my foreclosure matter. We know our house is being illegally and fraudulently stolen from us by the use of fraudulent information put forward by BSI Financial Servicing operating as POA for Plaintiff in our foreclosure case. There will be a ruling on this in XX/XX/XXXX. The enforcement action you have taken against XXXX XXXX XXXX XXXX proves they are behind the scenes of an illegal Foreclosure taken place on our home. We have been fighting a foreclosure since XXXX. The case is in XXXX XXXX Florida XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE FOR THE XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX plaintiff is now XXXX XXXX I trust which is the same entity. The originating bank, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX in XXXX. FDIC took over. I won the first foreclosure, and it was found at trial that XXXX XXXX XXXX XXXX XXXX couldn't provide 4 years of payment history and did not they have the Promissory Note. They refiled the Lawsuit in XXXX. I just had my second day of trial XX/XX/XXXX, and the Judge is allowing us to write our Final Judgement. I just found out about enforcement action being taken against XXXX XXXX. XXXX XXXX was the document custodian behind the scenes in the securitization of my mortgage. See SEC filing of the Master Purchase agreement.https : XXXX. 
Furthermore, The FDIC set up a private portal with information pertaining to the origination of my mortgage. I have all the documents to give you. They revealed that # 2 loans were originated on the same day and the 2nd loan number had been paid in full. Plaintiff is putting forward a mortgage with the 2nd loan number on it that we never signed nor was recorded in the land records, this loan is the one the FDIC says is paid off. FDIC provided me with a copy of the original Promissory note with no endorsements. Furthermore, they have brought into the court the Promissory note with a Fake photocopy of an interest only addendum attached. This is further proof of trying to foreclose on a 2nd loan. We need your intervention in this matter. Please let me know how to give you the supporting evidence of this. We need compensation for the fraud that is being committed and should be award damages. BSI Financial Servicing is the Servicer and POA for Plaintiff in my case. They have already admitted to you one other time i filed a complaint of changing the terms of my loan before the due date. TILA violation. 
We appreciate all your help in this matter. 
Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2022-12-21
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Harris & Harris, Ltd. (CA)

Received suspicious letter in the mail indicating that I owe the XXXX XXXX XXXX CA, XXXX XXXX for a " red arrow vehicular responsibility '' that occurred on XX/XX/2012. I looked up the case number, and none of this information applies to me.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (AZ)

I inherited land from my diseased husband There was a lien on the land from Barclays Bank for {$2700.00} The Title company help back {$6500.00} from the sale to cover the the XXXX Each time I spoke to Barclays bank I got conflicting information. 
I was told that I could send {$2700.00} and the lien would be lifted. 
I sent a check and it was cashed ( It is stamped with Barclays Bank stamp on the back of the check ). 
I have a probate attorney that they would not talk to The XXXX is still not lifted and I have lost over {$9000.00} I have documentation for all of this and documentation of what and when I have faxed information to Barclay Bank.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (LA)

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. 

Account name : XXXX XXXX XXXXXXXX, has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-31
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. (NJ)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc. (WA)

An account seems to have been opened in my name as : XXXX XXXX XXXX with Comenity Capital Bank. According to USPS informed delivery I was supposed to receive a letter from Comenity Capital Bank on XX/XX/2023 but that item of mail was removed from my mailbox before I was able to collect it. An image of the missing item of mail is attached I tried to call the Comenity hotline but reception was unintelligible. I believe someone is trying to use my name for the purpose of credit fraud. I have already placed a freeze on my Credit report.
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (TX)

I recently disputed the accuracy of reporting on this account, and the results came back verified and updated despite the three credit bureaus reporting mismatched information regarding this account. 

Please be advised that this is a Notice of Direct Dispute with XXXX XXXX XXXX under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), regarding the accuracy of the information you have supplied to XXXX, XXXX, and Experian. 

XXXX XXXX has responded " According to our records, an account was opened XX/XX/XXXX pursuant to the received online application '' However, on my most recent credit report on XX/XX/XXXX from XXXX, XXXX, and Experian the open date is still showing XX/XX/XXXX and XXXX.Since you haven't corrected these errors in the previous requests for assistance on this account, the account was not investigated as thoroughly as it should have been. For this reason, I demand that the account be removed from my credit report. Please be advised that if you continue to report invalidated information on my credit report, this action may constitute fraud under federal and state laws. I won't hesitate to bring legal action against you for violation of the Fair Credit Reporting Act and violation of the Fair Debt Collection Practices Act, and defamation of character.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

I transferred {$5000.00} to Citi Accelerate saving account via ACH a month ago ( XX/XX/2023 ) and the money was flagged by their fraud prevention department. Then they closed my savings account without any legitimate reason. They did not tell me why. They just said I violated the rules. but I 100 % sure I did not do anything illegal. The only thing I did was transfer the money to their account. They asked clients to deposit a huge amount of money to get the sign on bonus and then they just close their accounts and hold their money. This is how Citibank scam their clients! There are ton of victims that have similar situation on XXXX. Citibank closed my account and had holding the remaining balance of around {$15000.00} which is my emergency fund for over a month before sending back to me. I had been calling and sending emails to get my money back almost every day during this period of time, and it really XXXX  me out, I couldn't sleep well everyday. I still don't know why I deserved this? 

Did I do anything wrong? 
Did I do anything wrong? 
Did I do anything wrong? 
Citibank Please tell me which term I violated and why you treat your client so badly. why I deserved this? why? 

Also, they are goingto close my credit cards as well. My credit score will hurt badly. and I got XXXX TYP points left in that account but I can't redeem as they froze it.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 XXXX  at XXXX I was made a payment to my credit card for Bank of America ATM machine out side a Bank of America located at XXXX XXXX XXXX XXXX, XXXX CA XXXX, ATM ID is XXXX the card # is XXXX Amount is {$1200.00}, but when i taped the view bill tape the screen was frozen there, non of the button on the ATM was working anymore, after a few minutes the ATM just took my money, ATM didnt give me receipts and there werent payment transactions appear on my account balance, I called the credit card company right away until now they didnt have any answer for me I am kind of stressed out.
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (VA)

Between XX/XX/XXXX and XX/XX/XXXX, XXXX has received and responded to 8 electronic credit disputes in which XXXX XXXX is claiming fraud. The investigation has gone to almost 2 years without being completed. The account was accepted as fraudulent, the original creditor was notified and agree, but had not received any updates to XXXX XXXX consumer report. This account had been a major impact to my everyday life and causing a lot of issues. I suggest all 3 credit report agencies complete their investigations and give me my life back. 
Also, ID theft was also filed with the FTC back in XXXX but they seem to ignored it.
Consumer complaint received 2024-03-06
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. (MA)

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 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

If you XXXX the " homeowners protection Act '' it 's described as 'Homeowners Protection Act ' A law designed to reduce the unnecessary payment of private mortgage insurance ( PMI ) by homeowners who are no longer required to pay it. The Homeowners Protection Act mandates that lenders disclose certain information about PMI. 
In my situation I am not being protected from Paying PMI unfairly ... ..but rather unfairly being required to carry it through XX/XX/XXXX. Let me explain : my property 's appraised value at closing of my loan in XX/XX/XXXX using by bank 's preferred Appraiser was $ XXXX, my current principal balance is {$260000.00} making my Loan to Value : 76.19 % under the 80 % requirement needed to " drop PMI ''. However my lender is not using the appraised value to calculate my LTV but rather my purchase price of : {$310000.00}. They present my " LTV '' on their website as : 84.9 %. At first I struggled with their own representatives to be able to explain what was happening and why my Loan to Value was being calculate with a number that was not my value. Only after running the ranks did management explain that they were following the law laid out in the " Homeowners Protection Act ''. Imagine my dismay, learning that the law that is named to protect me is cheating me out of {$35000.00} of my homes equity??? Even better yet their website tells me that the approx. date I will reach 80 % Loan to Value is XX/XX/XXXX ( rough math tells me I am looking at approximately 30 more months/payments of PMI in the amount of {$170.00} or {$5200.00} over that period ) That 's a real kick in the teeth. Can you please help change this act to protect Homeowners from paying Private Mortgage Insurance unfairly?
Consumer complaint received 2023-03-30
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. (IL)

There is information, and/or means of identification on my consumer report that is knowingly being transferred, and used without lawful authority, with the intent to commit an unlawful activity such as defamation, that i did not authorize, nor was i given FULL DISCLOSURE by the companies mentioned in the identity report. 

SEE ATTACHMENTS!!!
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX Account Number : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my account. 

Employers : XXXX I am a victim of identity theft this has never been my employer. 

Also Known As : XXXX XXXX I am a victim of identity theft this is not my name. 

Employers : XXXX XXXX XXXX XXXXXXXX XXXX am a victim of identity theft this has never been my employer. 
XXXX XXXX XXXX XXXX TX XXXX I am a victim of identity theft this has never been my address.
Consumer complaint received 2022-12-21
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. (TX)

XXXXXXXX XXXX XXXX Account Number : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my account. 

Employers : XXXX I am a victim of identity theft this has never been my employer. 

Also Known As : XXXX XXXX I am a victim of identity theft this is not my name. 

Employers XXXX XXXX XXXX XXXX XXXXXXXX XXXX am a victim of identity theft this has never been my employer. 
XXXX XXXX XXXX XXXX TX XXXX I am a victim of identity theft this has never been my address.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (MI)

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. 

Account name : XXXX XXXX XXXX has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (NY)

I am writing to report a violation of U.S. Code 6802 involving account number XXXX, under the label XXXX XXXX. This account, originating on XX/XX/2021, is associated with the address XXXX XXXX XXXX, XXXX, GA XXXX. 

Despite mailing a certified notice requesting my Disclosure in accordance with 15 USC 6802 ( b ), I have not received the mandated disclosures as per federal law. The law explicitly mandates that financial institutions must provide consumers with three disclosures before disclosing any non-public personal information. This is to allow consumers the opportunity to opt out of such disclosures. 

XXXX has knowingly and fraudulently withheld critical information, manipulating the situation to their benefit. This has led to unlawful reporting of my non-public personal information to non-affiliated third-party entities, against my will and rights. This situation has caused inequity for me, my family, and my household. 

I hereby invoke my specified remedy as permitted by law, which was denied by XXXX 's withholding of disclosures, pursuant to 15 USC 6802 ( b ).

Immediate action is requested to address this violation and ensure resolution.