davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
Product: Credit card or prepaid 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. (VA)

Purchased a XXXX dishwasher online on XX/XX/2021 and charged the purchase to my XXXX Shop Your Way credit card. 

Due to a delay with the manufacturer the dishwasher installed on XX/XX/2021. Upon testing it is observed the top tray is broken and rubs against the rubber seal. Instead of insisting to remove it from the residence, a call was placed to the installer. 

The same installer arrived with a replacement dishwasher on XX/XX/2021, and the replacement dishwasher had the same top broken tray defect. The old defective dishwasher left in the residence. 

A dispute filed submitted to Shop Your Way Mastercard on XX/XX/2021, for {$710.00}. 
XXXX ID XXXX is closed. No contact from XXXX, installer or anyone. Case closed with no resolution. 

Received a statement dated XX/XX/2021, with a statement balance of {$0.00} XXXX of {$710.00} posted on XX/XX/2021, from XX/XX/2021 Called XXXX XXXX XXXX XXXX multiple times in excess of XXXX XXXXXXXX  and not able to speak to anyone
Consumer complaint received 2017-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WV)

Navient does not report to the credit bureaus on a consistent basis. I have been making automatic, ON-TIME payments to them since XX/XX/XXXX, and they reported those good payments from XX/XX/XXXX to XX/XX/XXXX. Then the next year, to XXXX, XXXX and XXXX, they reported my XX/XX/XXXX payment and nothing else the rest of that year. In XX/XX/XXXX, there were no payments reported until XX/XX/XXXX. They did report XX/XX/XXXX, and so far I do see that XX/XX/XXXX has been reported on time. I am asking that they report my on-time payments from XX/XX/XXXX and XX/XX/XXXX to the bureaus for me so that I may continue to build and improve my credit score.
Consumer complaint received 2020-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

I called these people over and over for the last 10 months about my issues logging in not only that the fact that they've given me new accounts I can't even access my self my XXXX is always being changed by someone else 's money withdrawn sent to other people in other places my XXXX cards paying people 's business bills and there bills and I can't get XXXX done I need to know if I need an attorney because this has completely humiliated me abosolutley have shamed and embarrded me publicly and tormented me to be done this way
Consumer complaint received 2021-05-24
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (TX)

I am a customer of Barclaycard and have XXXX of their high-end XXXX XXXXXXXX XXXX products. I live in XXXX, Texas. On XX/XX/2020, someone charged nearly {$800.00} twice at a lumber supply company in upstate New York. We disputed the charge. Two months later, a letter arrived telling us that the merchant had provided information to demonstrate we were liable for the charges. I called the number on XX/XX/XXXX. They said they would send the information that the merchant had provided. Two weeks later, when nothing had arrived, I called. I waited on hold for 30 minutes. They person who answered said that he could tell that the information was mailed to me on XX/XX/XXXX, 6 days after my call. I have now waited another week. It's XX/XX/XXXX. Nothing has come yet. As I type this, I have been on hold another 30 minutes. This is not acceptable service. We were not in upstate New York buying lumber the day before XXXX XXXXXXXX XXXX XXXXXXXX. Someone clearly committed fraud with our card. This company is not taking care of it.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently check me credit and realized, Im a victim of identity theft.. I tried reaching out to the companies with no help. I sent in FTC reports along with 605b as I was told to do buy the ftc. The following accounts are fraudulent and needs to be removed XXXX XXXX ( XXXX XXXX ) in the amount of {$210.00} XXXX XXXX ( XXXX XXXX $ in the amount of {$1000.00} I XXXX XXXX ( XXXX ) in the amount of XXXX Someone fraudulent used my name and personal information to get medical care and a cellular service. 
Ive never done business with any of these companies, Per fcra information on my report must be true and accurate.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management (AL)

On XX/XX/2021, I became aware of a debt that was submitted to the credit reporting agency as past due. I immediately became concerned and requested more information. I soon realized that the debt had been obtained through identity theft. I contacted the debt collection agency, Plaza Services, on XX/XX/2021 to explain the situation. I was advised to submit a Identity Theft Victim 's Complaint and Affidavit ( attached ), which I did. When I got no response, I called on XX/XX/2021, and was told that they were investigating my fraud complaint and that they would not communicate with me directly. I subsequently sent a letter on XX/XX/2021, requesting that they stop all collection proceedings against me ( attached ). They continue to harass me and my family for a debt that is not mine and that was obtained through identify theft. I provided to them a copy of the police report as well ( attached ). The debt is through XXXX XXXX XXXX XXXX. I have never had any interaction with that bank and can verify that no funds were transferred to me from that bank. Plaza Services is in violation of FCRA 15 U.S.C. 1681 Section 623, which states, in part : " When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. ''
Consumer complaint received 2024-03-22
Product: Credit reporting 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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ZIONS BANCORPORATION (CO)

I have reached out to the credit bureaus and the creditors regarding these accounts. The accounts are outdated and out of the statue of limitations for debt in Colorado. The creditor nor the credit bureaus have not responded to my request to have these outdated tradelines removed.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-27
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. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CO)

When the 2nd round of stimulus checks were deposited into my Wells Fargo account, I had a negative account, Wells Fargo took it upon themselves to " temporarily '' credit the negative account I was in. I had NO idea this was happening, and I actually would have preferred they didn't do this. On XX/XX/XXXX they decided it was time to pay themselves back the " temporary credit '' of {$320.00} with a days notice via email. If I wouldn't have deposited an estate check a day before ( which really wasn't that much ), that {$320.00} would have put me in the hole and they would have charged me another fee, that statement is per the operator I just talked to. I have been trying to get that money put back into my account and I set up payments and they refuse to do so. So I am out {$320.00} without notice during " trying times '' as they put it and they don't care. I am so frustrated, money is so tight right now and I am just out of that amount just like that. I will pay it back but I honestly can't in full but no one seems to care about the little guy, Wells Fargo is just " nope, sorry ''.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NJ)

Hi There, The following company Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX called 87 times to collect a collection debt from XXXX XXXX XXXX. Few times I told them that only amount I owe is about {$200.00} and not incorrect amount they are trying to collect. 
I told them to send me something in writing with all the records what falsely claiming for and stop calling. They told me they did send a letter that I never received. Before also threatened to ruin my credit and other actions. This is totally unacceptable from this collections agency. 

After that I started ignoring their calls and now they have put this disputed amount as negative collection on the credit reports. 

I would definitely take action against the bad collection practices this company has. 
We are already going through a very tough times due to Covid-19 related financial problems and these types of companies make them worse. 

Thanks SM
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

Dear Sirs, Beginning in XX/XX/XXXX, upon nearing of my home insurance policies to be renewed, I started getting letters from both Cornerstone Home Lending ( my mortgage company ) and my insurance carrier that payment was not getting made to fund them. I began calling both companies then, out of concern they were not communicating with each other, despite my timely payments with escrow included. Cornerstone reassured me that the letters get autogenerated and payments get made at the last minute. I have contacted Cornerstone on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, as well as my insurance carrier about as many times to rectify the issue. Ultimately, two of my three policies were payed for by Cornerstone, but not my flood insurance. As a result, they took out a costly flood policy on my behalf, and my biggest complaint today is I have still not gotten reimbursed for the disbursement out of my escrow for that policy ( {$340.00} ) and that my actual flood policy has still not gotten paid. My insurance company funded it themselves and are still patiently awaiting payment. I have never experienced the incompetence and lack of concern involving an issue that had nothing to do with me, and the length this problem still exists despite my best efforts to resolve it. I consistently get told by different representatives ( and supervisors, all in which I have documented names ) that the problem is getting resolved, but it is not. It has ultimately driven me to refinancing with a different institution, hopefully to close with in a few days. I would have never expected the indifference that this institution has shown in dealing with a problem that is clearly their fault, and me being penalized simply for choosing a poorly run financial institution. I sincerely hope you have more success in rectifying this problem than I did.
Consumer complaint received 2021-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The Credit bureaus seem to throw my letters out or do not do anything on my file. I have late payments that are not true. I want the inquiries I did not authorize removed. I have several accounts that do not belong to me. My name and alias names need to be corrected. My addresses are wrong as well. I am attaching a letter of explanation.
Consumer complaint received 2021-05-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (DC)

This will be my 4th time filing a complaint against Pentagon Federal Credit Union for charging me their attorney fees XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX THE ATTORNEY IS NAME XXXX XXXX RULE BAR # XXXX this have been going on for quite some time and this will be my 4th request. The first report was filed on XXXX, XXXX, XXXX XXXX and XXXX. Because of the location of my home I am constantly being harass by the bank, builders and brokers to sale. I believe there is someone that work at the bank that is responsible for the harassments. I want it to stop. The fee that this attorney is requesting from my Chapter XXXX attorney for me being late on my XXXX Payment is {$290.00}. I just buried my mother XXXX, uncle XXXX and aunt XXXX all from COVID-1i9. I do not have any extra money to pay Pentagon Federal Credit Union. In addition to the fees when I go to the office in person each month to pay my mortgage the payment is made with a cashier check and deposit in my savings account. The payment sits and they do not transfer the payment to my mortgage because they want me to be late. I can only make my payment on the XXXX of each month and they were demanding the XXXX. I need help and I need them to STOP charging me additional fees that are unethical, If I am in a chapter XXXX how can I afford there attorney fees? When I call no one will speak to me on the phone because I am in a chapter XXXX. No one will help me not even the person that is assigned to help me. I have called no return call no answer. I've visited the office when making payments and no help! But they can charge me attorney fees. I honestly feel that the Bank Attorney, Chapter XXXX Attorney and the Chapter XXXX Trustee are all involved.
Consumer complaint received 2021-05-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (GA)

I have made 15 payments which total over the original loan amount but the amount of my original loan has not decreased by a {$1.00} it has actually increased by $ XXXX. Expected high interest but this is criminal ...
Consumer complaint received 2021-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions, Inc. (PA)

I saw a collection debt on my credit report. I disputed it with XXXX. They " verified '' the debt. I sent a letter to the collection agency disputing the debt with the amount owed, my name, the original creditor, and a partial account number. The collection agency responded that they were " unable to identify an account in [ their ] database. '' They requested I send them additional personally identifiable information to assist me. 

I then sent their letter and the one I sent them to XXXX to dispute the debt and have it removed since the creditor can not verify the debt to me without additional information, but can somehow verify it to XXXX. I am under no obligation to provide my personally identifiable information of a collection agency that may or may not be trying to collect a valid debt in order to verify the debt.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CO)

US Bank continues to harass us. Regardless of what they tell the CFPB, they refuse to speak with me about anything. They say they are waiting for court documents and won't speak to anyone other than XXXX XXXX even though they know he is deceased and passed away 2 years ago. This time, the contact is for a completely new issue. US Bank has always paid our homeowners insurance policy. According to our insurance company ( XXXX XXXX XXXX ), US Bank made a payment a few months ago and this payment paid the entire policy until it renews around XX/XX/2021. Absolutely nothing is due until the next period starts in mid XXXX and the Insurance company won't even know the rate until early XXXX. 

In a letter dated XX/XX/2021, US Bank says our homeowners insurance has " expired ''. In this same letter, they stated that they plan to buy insurance for the property and it may be SIGNIFICANTLY MORE EXPENSIVE and may not provide as much coverage as we already have. 

Since they paid the entire premium themselves, they should be able to check their own records and see that the entire amount is paid up for at least 7 weeks. As a mortgage company, someone in their office should be aware that I can not even make a payment towards the next billing cycle until the insurance company sends me a renewal Since they plan on buying insurance for a property that is already covered, they will probably try to pass that premium on to us. We will NOT be responsible for this amount. 

Lastly, they say they will record every call to us but don't want us recording them. Colorado is a single-party consent state when it comes to recording phone calls so I have notified them verbally that I record every single call they make to me. This complaint will serve as a written notice that I will continue to record every call they make to me. 

If the CFPB or FTC would like to listen to some of these calls, please let me know and I will gladly forward the recordings. Please see last response from US Bank to CFPB. They state that they will discuss this with me but they still refuse to speak with me when I call. Also, I tried calling the phone number in the letter they sent but it goes to a 3rd party and this letter was sent by US Bank, and wasn't sent by the people at the phone number i was instructed to call.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

My loan was service transferred to SunTrust as of XX/XX/XXXX. I tried to call them to make a payment since my recurring payment was canceled. I was on hold for over 45 minutes. Instead of being able to pay at that time, I paid via online bill payment on XXXX because I did not have time to sit on the phone any longer. Per my bank, they received the check on XX/XX/XXXX. I called on XX/XX/XXXX to check on the payment and they said they had not received it but that I would not be charged a late fee because of the service transfer. I made a second payment online that day because the agent told me that I would NOT be able to set up recurring payments until I made a payment and if I made an online payment, I would be able to take care of if it that day. Thus, as of XX/XX/XXXX I had made two payments to SunTrust for the month of XXXX. After I made the online payment, I was still unable to set up recurring payments and the agent merely said oops sorry. Thus, I spent nearly an hour on the phone, made an extra payment since that is what they told me to do so I could set up recurring payments that day and I was still unable to set up recurring payments. Today, XX/XX/XXXX, I checked the Mail and I have a letter dated XX/XX/XXXX ( the day I spent almost an hour on the phone with them and made an online payment ) stating I'm delinquent on my loan and also a periodic statement saying I owe two months of payments and will be assessed a late fee. 

SunTrust is one of the worst loan servicer I have ever dealt with. I understand I have no control over who will service my loan but I hope as the CFPB you will examine their servicing practices. They are clearly understaffed because it takes over 30 minutes to get anyone on the phone, they are undertrained as they told me making a second payment would allow me to set up recurring payments but it did not and their periodic statements are printed inaccurately.
Consumer complaint received 2021-05-25
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: CAVALRY INVESTMENTS, LLC (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.