davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (DE)

I would like to file a Complaint against Wells Fargo Bank. The particular location is XXXX, DE. 

My checking account number is XXXX. 

As of this morning, XXXX XXXX, 2023, I had a balance of approximately {$4100.00} in my account. I went to the branch and deposited an additional amount of {$4900.00} in my account in the form of a check drawn on Wells Fargo by one of their customers payable to me. I was soon thereafter alerted by email that my account was overdrawn by approximately {$800.00}. Returning to the branch, I was told that my XXXX deposited was debited against my account rather than credited. I confirmed this by looking online at my account. The bank stated they were unable to correct the problem. I am thus out {$9000.00}, the original XXXX. I had on deposit plus my XXXX deposit. 

There is no response from the branch or Wells Fargo on line customer service.
Consumer complaint received 2021-04-15
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. (TX)

I obtained a title installment loan from XXXX in XXXX and paid the loan off in XXXX. I contacted XXXX in XXXX to report that they're reporting my account as a charge-off ; which in fact it was not charged off, but paid in full. I have tried to resolve this matter with the company via letters and phone calls.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXXXXXX Balance : {$3200.00}
Consumer complaint received 2023-08-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (AZ)

On XX/XX/2023, I tried signing into my online account. When signing in, I got the message, " Activate Your Card Your debit card must be activated before you can sign on. If you havent received your new card yet, please allow XXXX business days for it to be delivered to your mailing address. '' I only have XXXX products with Citi- a savings account ( ending in XXXX ) and a credit card ( ending in XXXX ). Why after opening my savings account over a year ago is the online access requiring me to active my XXXX debit card? A card that I tore up and threw away within the first week of opening the account online. My intention was to make this account 100 % online - paperless and no physical card. Because of this, I can not access my account online and access my funds when I have bills to pay. 

I called Citi on XX/XX/2023 and spoke with XXXX regarding the situation. The only way to proceed was to pass their security question. I needed to provide the full savings account number or provide the mother 's maiden name. 

How can I provide the full savings account number when I can not view my statements online anymore? When the rep asked for my mother 's maiden name, it did not match their system. There are no Citi branches near me location. The only option he gave was to send a letter to Citi 's office at their XXXX XXXX Texas address and to request a debit card. A process that will take several weeks. Therefore, unable to access my funds for several of weeks. 

I received no warning this was going to happen and I'm now unable to access my savings account now. This is my second formal CFPB complaint with Citi. After this I'm completely done banking with them.
Consumer complaint received 2023-05-19
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. (NY)

This is my NUMEROUS 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, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX XXXX. I do not have a contract with Portfolio Recovery Associates , LLC. They did not provide me with the original contract as I requested. 

If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.
Consumer complaint received 2021-03-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-03-15
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-03-15
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-15
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (OH)

On XXXX XXXX of XXXX I took out a mortgage on XXXX XXXX XXXX # XXXX, XXXX IL XXXX through Guaranteed Rate , Inc ( " GR '' ), account number XXXX. GR filed a lien on the XXXX XXXX property register document # XXXX on XXXX XX/XX/2004. GR say they subsequently transferred the mortgage to XXXX, thereby ending GR 's interest in the property. GR has not updated the XXXX XXXX property register showing that it no longer holds a lien against the property. They say that XXXX had responsibility for updating the registry and did not do so. I am currently refinancing the property and my new lender requires a release for document XXXX as evidence that GR no longer has a lien against the property. GR have confirmed in writing that they never updated the public property register and are refusing to provide the release. GR state that XXXX must provide the release saying that GR has no lien. I am in jeopardy of losing my rate lock and incurring additional costs if my refinance does not go through due to the lien registered by GR. My husband and I have called GR 8 times, spending hours on the phone and being transferred around, and have sent more than half a dozen emails to senior GR management, copying XXXX, and have had no resolution from either yet.
Consumer complaint received 2021-03-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc. (CA)

I got scammed yesterday, XX/XX/XXXX. A man pretending to be my uncle from XXXX asked me for money because he was being held at the XXXX XXXX. I believed him and he told me to send money to his attorney from the airport. I sent two payments, one for {$900.00} and the other for {$500.00}. I realized it was a scam when he called me again and asked for more money. I reached out to my bank and they cant do anything about it. I reached out to Remitley and they said they couldnt do anything either. They have her account information so I dont see why they cant refund the money.
Consumer complaint received 2021-04-15
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. (LA)

I have notified Transunion that I have an inquiry from XXXX XXXX pulled in XX/XX/2019 on my credit report that I do not recognize. I have reached out to the company XXXX XXXX to figure out why or how my information was received. They have nothing in their data base. Transunion continues to tell me to get a letter of deletion. XXXX XXXX is stating they can not give me a letter of deletion with nothing in their database. I will not provide information to a company that doesn't have my information just for a letter to be generated. Please remove this from my report
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is a complaint regarding XXXX XXXX. 
I leased a new vehicle in XXXX, paid the first months payment at the lease signing. 
I never received a bill for the 2nd payment but when they contacted me and I sent out a payment right away. 
Again I didn't receive a bill in XXXX and then sent in a double payment to cover 2 months. They claim they didn't receive it until weeks later and then proceeded to report a delinquent amount for the entire value of the lease ( {$21000.00} ) to the credit bureau, which has severely affected my credit. 
They themselves claim they have " no control over the U.S. Mail '' but then penalize me for receiving the payment check late. And they are reported the entire lease amount as delinquent even though the according to them I was only late 1 months payment AND the account was made current a mere week later than when the show the late payment due.

They then reported to the credit bureau 2 weeks later, while my account has been fully current. 
And to preface all this, this is my XXXX vehicle lease with XXXX XXXX, I've never had a late payment in 6+ years of leasing through them. This a predatory practice and they are ruining my credit score even though I am just trying to pay them on time according to their bills.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NM)

Due to loss of income from the Covid 19 pandemic, last year I took advantage of the Cares Act and contacted my mortgage company, Freedom Mortgage, about going on a forbearance plan. I spoke with XXXX, ID no. XXXX who explained the three repayment options, one of which was flex modification which would change the terms of my loan. She said it would reduce my interest rate to the current rate.

After a trial period of first making no payments, then reduced payments, I was, therefore, shocked to receive loan documents that quoted an interest rate of 4.25 % which is significantly higher than the current rate.

More of Freedom 's trickery came in the form of the new loan papers stating my monthly payment would be {$640.00}. That seemed like a good deal until I found out it didnt include my insurance and taxes.

Further, nowhere in the loan documents did Freedom state what the total amount repaid will be after 40 years. Ive been a homeowner for over 20 years and have had quite a few mortgages and refinances. Loan documents ALWAYS state the total amount that will be repaid by the end of the loan. Freedoms loan docs to me does not do that. That is very bad faith and trickery. 

I sent them a certified letter on XXXX XXXX, XXXX stating all this and requesting my interest rate be reduced to the current rate. On XX/XX/XXXX the rate was 2.338 %. Today it is even less. 

I have received no response.
Consumer complaint received 2021-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc. (WI)

I have written NUMEROUS LETTERS to alliance collections asking for validation of these debts they are claiming against me and all they have sent is a medical bill statement which by legal definition if NOT a legal validation of debt as anyone can make/manipulate that. They need to produce signed documentation with my signature showing that I signed for this debt. Second these are medical bills ( I am in no way stating or claiming these to be mine ) I have never signed and allowed for any of my medical information to be released. Alliance collection did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should these items not be deleted within 3 days of them receiving this complaint. I will seek every legal remedy available to me and file suit against alliance collections and the credit bureaus responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. I have sued and won small claims cases of {$10000.00} each against the credit bureaus once and will do the same for EACH collection account alliance collections has on my credit reports seeking a total of over {$250000.00} if they do not remove these items immediately.
Consumer complaint received 2021-03-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (NJ)

Its not the first time they trick me. i get approved they hit my score with credit inquiries and after all they denied the credit. 

The funny thing is that they keep sending me registered cards and letters, even saying that I am approved for. the information is confusing and they create several difficulties after sending the documents. I did the whole process and at the end of that last attempt, I was told that I was denied because my coborrow was from another state, New York in case I reside in NJ in XXXX County on the side of XXXX facing the XXXX XXXX ... I want them to remove the inquiries in my credit report right now
Consumer complaint received 2017-09-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (KY)

Hello, The bitcoin wallet site coinbase.com just locked my account on XX/XX/XXXX without any reason and seized my funds, now I can not access to my account nor to my funds. They locked my account without any reason. Please help me get my funds back. A lot of people are complaining about coinbase fraud and I 'm one of those victims, I sent various emails to coinbase support but they do not respond at all. They 're making people fool and locking their accounts. I have almost {$1000.00} USD locked in my account, Please help me get my funds back. 
Thank you.
Consumer complaint received 2021-01-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Santander Consumer USA Holdings Inc. (MD)

XXXX XXXX, XXXX sent me a letter on XX/XX/XXXX stating that I owe a debt in the amount of {$16000.00} to XXXX XXXX, XXXX. They also state that they are willing to reduce the amount by 35 % to {$5.00}, XXXX. ACCOUNT NUMBER : XXXX. The letter doesn't not include enough information about this debt. I've never heard of XXXX XXXX, XXXX. Original creditor Santander Consumer USA INC. I am filing a dispute about the debt they are trying to collect. They contacted me by mail, on XX/XX/XXXX and identified the debt as XXXX XXXX, XXXX. I don't not owe this debt. I've called several times and someone repeatedly hangs up the phone. I've researched both companies and no additional identifiable information is available. 

This is the second time this fraudulent company has tried to accuse me of a debt I do not owe. Similar debt with different amounts from a different creditor. See my previous complaint I filed in XX/XX/XXXX. This needs to stop. 

Please stop sending me fraudulent letter claiming I owe debt. LEAVE ME ALONE LIARS. 

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Consumer complaint received 2017-09-07
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. (TN)

I called Experian to request proof of investigation results for XXXX XXXX,2017 credit report. I talk to XXXX in the dispute department. She advise me that Experian is not able to provide proof because the company do n't have it. So, I told her that they are in violation of Section 609 of FCRA, for reporting accounts as verified when they never verified any accounts with actual physical contract. XXXX, was like ok file a complaint cause we will not remove the negative accounts. Even when we ca n't verify that the account are 100 % accurate. I asked her again to see if she understand the statement she made. XXXX, was saying that Experian is knowly violating my rights under FCRA.
Consumer complaint received 2022-10-29
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$5300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.