davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Frontline Asset Strategies, LLC (CO)

In less than a 24 hour period I have received three separate phone calls from Frontline Asset Stratagies. They are also harassing a family member of mine who has nothing to do with this matter. When I asked who was calling, they refused to identify themselves and continued to pressure me for my address and the last four of my social. When I called back to find out who was calling, I was threatened with a lawyer. Frontline then called again, and again refused to identify themselves insisting that I must provide my personal information. I provided my personal information when I called them back yesterday. They call from numerous different numbers. I need these calls to stop. I need Frontline to cease contacting my former relatives (ex-brother-in-law.)
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HANCOCK WHITNEY BANK (FL)

Several weeks after closing on our mortgage Hancock Whitney made contact with me regarding a lack of both information and a signature involved in the closing. 

Apparently my Social Security Income was not included.

Several demands were made including a " threat '' from XXXX XXXX ( Client Solutions Leader '' that I could be " forced '' to sign as that was part of the standard closing agreements to agree to correct and missing information. 

Demands included that I should drive a 2 hour round trip from my home to sign, it " had to be signed by " X '' date '' etc., although that deadline date had come and gone when the matter was settled. 

During that time I received the attached letter form XXXX XXXX asking me to sign one page out of the entire agreement that was Section 6 : Acknowledgements and Agreements had absolutely nothing to do with correcting my income. 

It appeared that Hancock was going to make a change on what was already a signed Income Disclosure and then use the attached page as a way to provide my agreement.

I refused to sign it and instead contacted the attorney 's office that did the closing seeking advice. I was instructed not to sign an arbitrary page and they would look into it.

They then presented the option, what I believe to be the legal and proper way to handle the situation and that was to come into their office and to initial and date the original closing documents and to then provide the missing signature ( s ).

Hancock made the entire pre-closing demands absolutely absurd and then to attempt to pull this " switch '' off is very disconcerting. I am a well educated individual with several closings under my belt and have never seen a bank act in the manner that Hancock did.
Consumer complaint received 2022-05-26
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2021-09-30
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. (VA)

On XX/XX/XXXX, I sent a letter in regards to inaccurate items on my credit report. It has been well over 60 days and I have not received a response. I am being taken advantage of and my disputes are being totally ignored. In section 611 ( a ) of the FCRA, it plainly states that a failure to investigate these items within 30 days must result in a removal of the items from my credit report. It has been well over 30 days. It has been well over 60 days so they should be removed promptly. I demand these accounts be deleted immediately or I will be forced to file for litigation due to the stressed this matter has caused me. My information was also impacted by the Equifax data breach of XXXX, and my information could have possibly gotten into the wrong hands.
Consumer complaint received 2023-07-23
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. (DC)

I have experienced identity theft where my non-public information was shared, furnished, and sold by Equifax without my consent, thus violating my rights. I urgently request the immediate removal of these unauthorized items : US DEPARTMENT OF EDU Acct # XXXX, US DEPARTMENT OF EDU Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (NY)

a debt collector named National Recovery started in XXXX to put on my XXXX  credit report a uttilty debt of {$88.00}, even though my account is current and up to date with the utillity. i have provided that info with documentation to the credit beuro, and they have not updated my reportand left that collection on it
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Complaint is against XXXX XXXX. My payments are current and have been current for some time was late in XX/XX/2018. Caught payments up and paid over 1000.00 a month for almost a year. Company shows payments of XXXX never reflect payments of XXXX  and stated I owed late fees. But payments where current. 

There stating since I owe late fees which I dispute they can report me late every month. Although they get there payment every month. 

This company is a scam and have been sued by the State of California and other class action suits.
Consumer complaint received 2022-05-26
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year>, I got numerous phone calls from Wells Fargo Bank fraud division at which point I picked up the phone. The impersonator introduced themselves as the Wells Fargo fraud department and they were calling me because someone was trying to charge my account {$8200.00}. 
They needed to verify my identity to stop the fraudulent charges. To verify my information, the impersonator walked me through step by step very professionally on setting up a recipient in XXXX through my Wells Fargo banking app but not sending them any money. At that point they had be back out and start doing the same thing through the wire transfer part in my app. At the very end, they wanted me to send the money through. When I asked them what the point of this was before I sent the transfer though, I was informed that I am sending this to the president of the fraud department of Wells Fargo and that they would be able to put the money back in my account so the fraudulent charges wouldn't hit my account. 
When the transfer went through, I realized that this was suspicious and fraudulent when the balance on my savings account actually dropped by the amount that was sent which was not supposed to be according to the impersonator. At that point I hung up the phone and immediately called Wells Fargo bank asking about this process they told me that was incorrect and would open a fraudulent claim case. 
I instructed Wells Fargo to stop the wire transfer and freeze my account since the wire transfer was still pending. 
On XXXX, I received a letter in the mail from Wells Fargo addressing the claim that was filed on XX/XX/year> was closed because the wire transfer was " authorized '' ( this is not the case ).
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OH)

Over the greater part of the last year I've been disputing inaccurate credit reporting on the behalf of Nelnet. I've completed countless dispute with both the creditor bureau and Nelnet to no avail. My latest dispute was a recent as XX/XX/XXXX. I was notified in writing Nelnet reviewed my account and an adjustment was made and reported to the bureaus. It's now XX/XX/XXXX and Nelnet most definitely made an adjustmentit 's just further inaccurate. I'm disputing accounts that contain late payments as recent as XX/XX/XXXX. Well, unless you've been under a rock, there is a government mandate to cease loan payments until XXXX due to Covid 19. To add insult to injury the accounts I'm referencing have been closed since XX/XX/XXXX. So in a nutshell I'm receiving late payments on closed accounts, despite the government mandate. In all it's a total of 6 late payments. My credit score has taken a 42 point hit because of this and no one seems to care to help, including the CFPB. I've attached a copy of my most recent credit report for review. Also, I explained to Nelnet that as a consumer I have the right to privacy and I never authorized Nelnet to report on me. I was told that information was included in my XXXX, which it does have a section entitled " credit bureau notification ''. However, my understanding of 15 USC 1681a ( d ) ( 2 ) ( i - iii ) is that the report excludes information solely as to transactions or experiences between the consumer and the person making the report. In addition, the corporation or any of its affiliates has to be explicit in communicating with the consumer that said corporation ( Nelnet ) intends to share any private information prior to initially sharing it with a third partyallowing the consumer to direct that such information not be communicated. I at no time neither via writing or verbally was disclosed this information. So in essence, Nelnet is wrong in reporting wrong information, wrongfully.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (MD)

Signed up with XXXX XXXX  for a 50 % offer around XX/XX/XXXX2021. Price should have been {$29.00} but they charged me full price of {$59.00}. I disputed with XXXX  and they refused to help on email on XX/XX/XXXX21. I disputed the charge on my Apple Card which is handled by XXXX XXXX. They declined me on 4 separate occasions even though I have screen prints of the offer and provided to them on 3 separate occasions and I can provide to you if needed. 
Called in today XXXX/XXXX/21 at XXXXAM after being declined again and talked to a XXXX who refused to give last name and refused to close my account saying it must have a XXXX balance. Then requested to speak to a manager and XXXX gets on phone and also refuses to give a last name and finally agreed to close the account. 
I care about my credit score and I take it seriously. However, I refuse to pay {$30.00} for something I didnt agree to. In addition I have not used XXXX because I have been speeding the charges since XX/XX/XXXX.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (TX)

I’m currently am trying to get hired on for a job I applied for (XXXX XXXX). Am currently getting denied for something that is coming up on my background check that doesn’t not involve me a nor do I have any idea about. Please I need help with this ASAP... The charge is resisting arrest, search or transportation, a misdemeanor. Says I was XXXX   and was filed on XX/XX/XXXX. Deposition date is XX/XX/XXXX
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

all of a sudden a collection showed up on my credit reports, I never received any notifications or mail regarding this debt. 

I did not recognize it so I called the company, they told me it was an ER visit for my son I told them my son has XXXX and there is no copays, also my son is an adult They asked me to send his medical insurance information and I did,
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: COAST PROFESSIONAL INC (CA)

Received multiple calls within minutes of each other at XXXX ( I live in XXXX  because I'm in the XXXX  ) from COAST PROFESSIONAL INC. . I called back after almost ten minutes to inform them they were calling before XXXX XXXX  and that they're not legally allowed to do that. I am not the person they are attempting to get ahold of and they even released some information without verifying I was the person.
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

The collector name is ERC. XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I called their number and spoke to XXXX at XXXX and she said after trying to verify me by telling me the debt was incurred by someone living at an address that did not match mine where the attached dunning bill was sent, that I should file a police report of fraud which is what I am doing I think. Then go to XXXX to let them know this debt is not mine. Hope that is what I should be doing. 
I have a XXXX phone but it is in the name of my company and XXXX says we are totally up to date for payments. I have not had a personal XXXX account since XXXX and this supposedly was incurred in XXXX according to XXXX at ERC.
Consumer complaint received 2022-05-26
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (TX)

I sent a letter to XXXX, XXXX, and Experian not to dispute the bankruptcy I found in my credit report but to ask which methods they used to verify that information. I have not received any response so I sent another letter letting them know about my first letter but still I have never received a response so I sent my third request and still no response.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (IL)

On XX/XX/year>, I was surprised to receive a notification from US Bank informing me that my checking account ending in XXXX would be closed. The notification provided no specific reason for this decision, leaving me deeply concerned and confused about the status of my account and funds as I am not able to transfer them out. 

I immediately contacted US Bank 's customer service to seek clarification and understand the rationale behind the account closure. However, despite multiple inquiries and discussions with different representatives, I have not received a clear explanation or justification for this action. My local branch was also unaware of the account closure and could not provide any additional information or assistance in resolving the issue.
Consumer complaint received 2022-12-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I have switched banks and have been trying to pay my personal line of credit through bill pay. Truist is claiming that the originating bank reversed the payment. I've never received any money back to my originating account. The money is now missing. Truist is blaming the bill pay bank. Meanwhile, my money is gone.