davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
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: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (NY)

Didn't receive terms that were advertised On XX/XX/XXXX, I saw this 1 % bonus promotion on Ally bank website and you can get a Cash bonus of 1 % of the new money you deposit into Eligible Accounts at Ally Bank up to a maximum of {$500.00} cash bonus. FYI, here is the link to the full terms of the promotion on ally bank website https : //www.ally.com/getpaidWe Here are the basics of the promotion. If you dont already have an Eligible Account at Ally Bank you must open an Online Savings account, Money Market account, or Certificate of Deposit ( CD ) at Ally Bank using the offer code getpaid by XX/XX/XXXX. 3. Move at least {$1000.00} of New Money from an account at another financial institution into an eligible Online Savings account, Money Market account, or new CD at Ally Bank by XX/XX/XXXX. 4. Keep the New Money in your eligible Online Savings account, Money Market account, or CD at Ally Bank through XX/XX/XXXX. 5. Keep at least one Ally Bank account open and in good standing until we deposit your bonus, on or by XX/XX/XXXX If youve followed the eligibility requirements, we will pay your Cash Bonus on or by XX/XX/XXXX to an Ally Bank account you own. 
So according to the terms, 1. I opened a new Money Market account on XX/XX/XXXX using the offer code 'getpaid ' on ally bank website. 2. I transferred {$10000.00} into my new Money Market account on XX/XX/XXXX. 3. I kept the {$10000.00} through XX/XX/XXXX. I did not receive my {$500.00} bonus on XX/XX/XXXX. I still have my Ally Money Market account open. 
Since I completed all the requirements of this promotion, I am supposed to get the maximum {$500.00} cash bonus but I didn't get the bonus as promised on XX/XX/XXXX. I contacted Ally bank on XX/XX/XXXX about this bonus and was told they opened a case and it will take 7 business days to investigate. But I still didn't see the bonus after 7 business days. I contacted ally bank again on XX/XX/XXXX, this time I was told they have no turn-around time frame for the case and they don't know how long it will take to resolve. I requested to talk their supervisor and the supervisor told me there are more than XXXX people having this issue and they don't know when my case will be reviewed or how long it would take to resolve. This is not acceptable. I completed all the requirements of the promotion, so I should get the bonus as promised by ally bank on or by XX/XX/XXXX. It is now XX/XX/XXXX and I have still not received my bonus.
Consumer complaint received 2022-12-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

I currently have a home mortgage with WELLS FARGO. Due to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As such I had my mortgage payments deferred. Upon attempting to restart my payments I have ran into issues with said bank. 

I was advised by my accountant to apply for the VA XXXX XXXX. Which takes the missed payments, adds them to the end of the loan in months, does NOT change the APR or monthly payments. 

When I attempted to start the process of paying the monthly mortgage again I was told by a WELLS FARGO employee that " You do not have a choice in what program you get. '' I was " reviewed '' for several programs and after some time WELLS FARGO contacted me and offered me a Loan Modification, a restart of the loan to XXXX  years and an XXXX increase to XXXX XXXX I have not been told by WELLS FARGO why I have no choice in what program i can choose. 

During this process I paid my mortgage payments for XXXX, XXXX and XXXX totaling {$1800.00} a month. In XXXX I attempted to pay another mortgage payment and was told " we can not accept your mortgage payment. ''
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

We suspected fraudulent lending practices with Wells Fargo Bank during the years we paid extra money to be applied toward the principal of the mortgage loan. 

I debated the fact that when I applied extra money toward the loan and asked that it be posted toward the principal, I was repeatedly told that they didn't honor such a practice. 

So, they would hold the payment and apply it toward the next month 's payment and apply it then. 

I felt this was a dishonest way to practice banking, since the extra payments should have decreased the principal and therefore decrease the amount of interest charged. It motivated me to pay them off quickly and never do business with them again. The loan was paid off in 2020 for my home at XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX. 

I would appreciate it if someone can look into this, and if any money is due to me, I could surely use it, since I will be retiring in a few years. Thank you kindly
Consumer complaint received 2022-11-28
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. (NC)

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 XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-19
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. (CA)

On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. Current data shows it was reported as open as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Consumer complaint received 2023-04-11
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)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX & XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00} ; XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2023-04-11
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} Consider this complaint as my follow-up to make sure that the listed accounts are verified immediately
Consumer complaint received 2023-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (AZ)

I spoke to Meridian financial services 3 times on the phone in XXXX and XXXX ( attached one screen shot from XX/XX/XXXX call ) and explained that they were contacting the wrong XXXX XXXX. I also sent them a letter on XX/XX/XXXX explaining they had the wrong person. They sent me a letter on XX/XX/XXXX, with the attached deed on some timeshare in Florida, which indicates a XXXX XXXX XXXX was on the deed, not XXXX XXXX XXXX. They obviously didn't read the deed since their letter was continuing to harass and try to collect debt from me. They never explained how they verify identity, or asked me to verify my identify ( i.e., last 4 of SSN, driver 's license, etc. ).
Consumer complaint received 2017-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

Nationstar Mortgage is moving forward with a foreclosure sale on XXXX XXXX 's home despite the fact that her loss mitigation review remains pending. Dual tracking is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) so we did file a complaint with the CFPB the sale likely wont be stopped.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (MA)

I contacted XXXX towards the end of my XXXX forbearance period and was told theyd contact me when it was time to pay. I ended up needing to pay a lump sum because they never got me my paperwork and erroneously put my mortgage in default. My credit report shows as 180 days late for XX/XX/2023 but on time for every other month. They also tried to increase my payment by XXXX dollars a month by claiming my annual water bill was monthly and I needed to clear that up. I made the payments on time and rectified the issue but am still being reported inaccurately by a company that has a history of inaccurate reporting and has been penalized for kickbacks.
Consumer complaint received 2022-12-02
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-12-21
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. (FL)

This charge-off account being reported by XXXX XXXX, account number : XXXX was opened in my name in XX/XX/2005 without my permission. I believe my identity was stolen to open this account. This credit card was never opened by me nor I gave anyone my permission to open it. I wrote several letters to Experian asking them to remove this fraudulent account from my credit file, they failed to comply. I filed a police report along with an identity theft report and sent them to Experian. 30 days later I received a letter from Experian stating that this fraudulent account was verified as accurate. This fraudulent account, which is now charged-off has caused me serious financial stress and my credit score has been severely impacted. Im asking that Experian remove this account from my credit file immediately.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

When Comenity took over the XXXX XXXX card from XXXX XXXX  XXXX I never received an alert or a new card. When I went to log into my new account I didn't have all the information I needed, I didn't know my new account number so I just closed the account and I was able to get a final balance. I eventually received a statement from Comenity with my final balance and I paid it off. I mailed a check on XX/XX/XXXX. I didn't set up the online bill pay because I couldn't find the whole account number on my statement and I couldn't get through the phone line. This month I received a statement that said I have a {$25.00} late fee because my check wasn't received until XX/XX/XXXX and it was due XX/XX/XXXX. There is no way it was received that late and if it was, it is the fault of the post office and my fee should be waived since I never am late and since it was postmarked way before the XXXX. And the only reason I didn't do online payment is because of the lack of information from them. I called them and was able to get through but customer service sounded like it was XXXX  to XXXX  and they have very little ability to do anything other than read through their script. She told me because I closed the account she could not waiver my fee. I closed the account because of the lack of information on my new account and the lack of availability of customer service. I am going to pay the fee right now because I don't want to risk them giving me more fake fees. But I would like the late refunded and I do not want a late payment on my credit score.
Consumer complaint received 2023-02-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC (WI)

We contracted a solar panel company, XXXX XXXX XXXX to install solar panels and finances that project through sunlight financial. Sunlight financial disbursed all the money to the contractor without verifying that the project was installed, and it was not. Sunlight financial refuses to give me any alternative options to resolve the is problem. Our first payment is due in XXXX  and we dont have the complete product we paid for.
Consumer complaint received 2020-09-29
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: Nationwide Loan Consultants and Advisors, LLC (IL)

XX/XX/XXXX I advised Nationwide Loan consultants I will no longer be working with them. XXXX XXXX XXXX  : XXXX XXXX O : XXXX. Confirmed correspondence. 


I then hear from XXXX XXXX | Application Specialist O : XXXX. Today XX/XX/XXXX. Same company advising they would be checking my credit periodically. I told them this was not authorized. 

I terminated my working relationship with this company because they wanted me to lie to a lender and say I was not working with them. I told him I didnt wan na do anything illegal and I reported them to the XXXX XXXX XXXX Now they are threatening to periodically pull my credit. I told them I would send it any authorization and they are not authorized to do this. Can somebody help me so that they can leave me alone. I requested multiple times that they stop contacting me.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

3 years ago wells Fargo said I was spending my money in a suspicious way which I wasn't, I was just buyinXXXX XXXX They closed my credit card and my checking account which caused me to loose out on {$4500.00} to be made. That took me XXXX weeks to set up a new bank and accounts with bank. When I asked what I did I was just told I was a suspicious activity which I took very hard because I work hard for my money and will spend it how I please. That's my complaint and have no wish to talk to wells Fargo in the future
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CT)

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I on behalf of the principal accept ALL RIGHTS, TITTLES, EQUITY and INTEREST. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- WELLS FARGO HAS DISCRIMINATED UNDER THE EQUAL CREDIT OPPORTUNITY ACT AGAINST THE PRINCIPAL DENYING A RIGHT TO CREDIT BECAUSE THE PRINCIPAL EXERCISED A RIGHT TO CREDIT. NOWHERE IN FEDERAL LAW DOES IT STATE A DENIAL OF A RIGHT DUE TO A FAIR XXXX XXXX SCORE WHICH IS FICTACIOUS AND NOT A CREATION OF CONGRESS. A FEDERALLY PROTECTED RIGHT CAN NOT BE DENIED DUE TO FICTATIOUS SCORE. I AM DONE DEALING WITH THIS MATTER IN GOOD FAITH FOR WELLS FARGO CONTINUES TO REPEAT ABOUT A XXXX SCORE BEING THE REASON FOR DENYING ME A RIGHT WHILE OBTAINING MY ESTATE AND SECURITY FOR ITS GAIN. WELLS FARGO WILL BE HELD LIABLE UNDER 18 USC 241 AND 18 USC 242 AS WELL AS UNDER ECOA AND THE SECURITIES ACT OF 1934 FOR SECURITIES FRAUD. WELLS FARGO YOU WILL ALSO RECIEVE A I.R.S. AUDIT UNDER I.R.S. FORM 3949a AND I.R.S FORM 211 FOR YOUR BREACH OF FIDUCIARY DUTIES. THESE UNLAWFUL ADVERSE ACTION HAS CAUSED ME MASSIVE FINANCIAL HARM AND IS INTERFERRING WITH MY PURSUIT TO HAPPINESS AS DESCRIBED UNDER THE CONSTITUTION. WELLS FARGO YOU HAVE FAILED IN YOUR TRUTH IN LENDING REQUIREMENTS AND HAVE FAILED TO DISCLOSE TO ME MY RIGHT OF RECISSION AT THE MOMENT OF APPLICATION, THERE FOR UNDER TILA THE DEADLINE TO RECIND MY ORIGINAL APPLICATION IS NOW 3 YEARS. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HERE BY EXERCISE MY TRUTH IN LENDING RIGHT TO RECIND MY " ORIGINAL '' CREDIT APPLICATION APPLICATION ( SECURITY ) WITH YOU WELLS FARGO AND NO LONGER WISH TO EXTEND CREDIT AND DO BUSINESS WITH YOU -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- YOU WELLS FARGO HAVE UNTIL XX/XX/XXXX TO RETURN TO ME MY ORIGINAL CREDIT CARD APPLICATION UNDER TURHT IN LENDING. FAILURE TO DO SO WILL RESULT IN A SEVERE FEDERALL VIOLATION UNDER TURHT IN LENING AND MY NEXT FORM OF COMMUNICATION WITH YOU WILL BE VIA FEDERAL COURT LITIGATION. DO NOT CALL ME WITH NO RECONSIDERATION STALL TACTIC LIKE THE PAST 3 TIMES. YOU HAVE COMMITTED SECURITIES FRUAD UNDER THE SECURITY EXCHANGE ACT OF 1934 BY ACQUIRING MY SECURITY VIA CREDIT APPLICATION WITH SOCIAL AND DENYING ME MY OWN CREDIT AND WILL BE HELD LIABLE.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX denied applicant credit without basis, merit, and/or made decisions based on falsely reported credit information, law, or the lack thereof and/or violated policy of the Uniform Comercial Code c/o negotiable instruments and/or credits. 

Note : The applicable credit/debit card no. is listed in this report as account # XXXX TAKE JUDICIAL NOTICE that It is unlawful to be denied credit and/or to discriminate against any applicant as it is causes an adverse action pursuant to : Title 15 USC 1691 providing the scope of prohibition ; Title 15 USC 1681 providing Congressional findings and statement of purpose 12 CFR 1002.4 providing current regulation against discrimination, discouragement, and denials of credit 15 USC 1611 CHAPTER 41 providing for the Criminal liability for willfully and knowingly violating any portions of these codes. 

Applicant demands immediate reconsideration and/or opportunity to create and/or build a credit and/or banking relationship as the willingness and ability to lawfully maintain a commercial relationship is available.
Consumer complaint received 2023-05-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (GA)

to whom may concern, i never opened a kickoff account get help with my credit score. if possible i need this credit taking off my credit report.and have a boost to my score for this matter that also took my score down a lot of points...