davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (NY)

Hello, I'm writing in regard to uncredited interest on my savings account for multiple months now. My apologies in advance for spelling as I am on my cell phone. I am writing because USBANK advertised a new money market account savings special for large dollars at high interest rates post XXXX market stress and has not paid interest per the terms on the savings disclosure account ( Reg DD violation ). While the interest is even calculated and stated as earned on my statements, it hasn't been paid for many months despite monthly payments on the disclosure. I worry this is a systemic problem with the bank systems that the bank will not acknowledge and may lead to material income statement error. Furthermore. I called multiple times to customer service to escalate my interest issue and even cite a complaint. I was first told to visit my local branch, hundreds of miles away and then was hung up on after asking to formally file a complaint twice on XX/XX/XXXX, XX/XX/2023 and again on XX/XX/XXXX. Please review why interest isn't being paid by their systems and why their complaint management system appears to not be working as I was never contacted.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (TX)

In reference to CFPB XXXX XXXX : XXXX : American Express XXXX XXXX the transaction happened on XX/XX/XXXX, but this is false and proves that they are avoiding to credit my account. I have attached both the XXXX receipt and the email directly from American Express that gets sent to me once a purchase has been made. In both attachments, it clearly shows that the credit card was charged on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Neither has any mention of XX/XX/2022 that American Express claims. I am really disappointed in that American Express admits in their response that the chat from XX/XX/XXXX they provided incorrect information and still will not honor what they trained their customer service representative to say.
Consumer complaint received 2020-04-08
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: EQUIFAX, INC. (NJ)

XXXX XXXX for XXXX $ dollars been paid in full, refernce number XXXX none of the reporting agencies have removed it from or showed paid on my report
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Despite assurance in writing from the Mortgage Company Specialized Loan Servicing and the XXXX credit reporting Agencies XXXX, XXXX  and Transunion that the incorrect report of 90 days past due mortgage will be corrected and the XXXX XXXX would reflect the corrected information I was denied a Mortgage refinance from XXXX XXXX XXXX due to a XXXX XXXX below XXXX and a credit report from the XXXX agencies reporting a 90 day past due mortgage report by XXXX XXXX XXXX XXXX Loan servicing. It has been XXXX year since XXXX  received a full payment by the XXXX XXXX on XX/XX/XXXX ; XXXX  reported Mortgage unpaid for XXXX, XXXX and XX/XX/XXXX. I received a letter from XXXX  stating that on XX/XX/XXXX an update was sent to the XXXX credit reporting agencies to remove the delinquent payment information from XXXX, XXXX and XX/XX/XXXX but it has not been done, the XXXX agencies credit report past due mortage with XXXX, the XXXX XXXX reflects the incorrect report and I can not refinance my House at lower interest rates.I filed complaint with CFPB on XX/XX/XXXX XXXX and XXXX and XXXX
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Despite assurance in writing from the Mortgage Company XXXX XXXX XXXX and the three credit reporting Agencies Equifax, XXXX  and XXXX  that the incorrect report of 90 days past due mortgage will be corrected and the credit score would reflect the corrected information I was denied a Mortgage refinance from XXXX XXXX XXXX due to a credit score below 600 and a credit report from the three agencies reporting a 90 day past due mortgage report by XXXX XXXX ( XXXX XXXX XXXX. It has been one year since XXXX  received a full payment by the Title Company on XX/XX/XXXX ; XXXX  reported Mortgage unpaid for XXXX, XXXX and XX/XX/XXXX. I received a letter from XXXX  stating that on XX/XX/XXXX an update was sent to the three credit reporting agencies to remove the delinquent payment information from XXXX, XXXX and XX/XX/XXXX but it has not been done, the three agencies credit report past due mortage with XXXX, the credit score reflects the incorrect report and I can not refinance my House at lower interest rates.I filed complaint with CFPB on XX/XX/XXXX XXXX and XXXX and XXXX
Consumer complaint received 2020-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Western Benefits Group, LLC (OH)

I went to refinance my student loans to an income based plan. I went through the third party Western Benefits Group. I was led to believe that they would negate my monthly payments and my fees toward WBG were towards my loan. However, it appears that the {$35.00} a month I've been paying them are going towards a membership fee and not the loan. I would like to leave WBG but when I call there is no answer. I have no debt to them and should not owe anything since my student loans are officially through XXXX.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2017 My vehicle was broken into and personal information was taken along with cash, My drivers license and my SSN card which were stored in my vehicle middle console. This information was subsequently used to open a Cellular phone with XXXX XXXX  on XX/XX/2017 which i did not authorize. The person used the card to run up a bill of {$1500.00}. This account shows up on my credit report in all three bureaus as a collection. I have provided the three major bureas a copy of the police report filed, The FTC identity theft report filed and a copy of my drivers license and SSN card as required. This information was also provided to XXXX XXXX. This information still appears on my credit report even though it should be blocked by FCRA 605B as I have provided the neccessary documentation.
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (GA)

For the past 5 years, I have been sent a bill for an XXXX XXXX XXXX XXXX account that was a result of identity theif. I have filed an affidavit and a police report two times. I have recently won an award for {$250.00}. From the fairshake group about this debt. It is not my debt. I never lived at the address nor had a mobility account through XXXXXXXX XXXX XXXX that I did not pay. This is a fraudulent account.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

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 XXXX  daughter PLEASE HELP ME PLEASE im dXXXX now.with no help
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

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 XXXX has me at a score around XXXX. 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 XXXXn 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2021-01-13
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 am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX, Reported : XXXX XXXX, XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Consumer complaint received 2020-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (TX)

XXXX XX/XX/XXXX XXXX : Account of XXXX XXXX Collection amount claimed I owe {$1700.00} Account number XXXX Dear Experian, This letter is to inform you that the debt collector, XXXX XXXX XXXX has failed to respond in the 30 day timeframe to my Validation letter. The company legally must now cease ALL collection efforts, and remove the negative items placed on my credit report.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (CA)

I am a XXXX of XXXX XXXX XXXX Co XXXX We applied and received a paycheck protection loan on XX/XX/2020. The paycheck protection loan disclosure asked to voluntary disclose XXXX, Gender which is Male or Female not in line with gender identity, Race and Ethnicity. Does not ask about XXXX XXXX. I believe this is a violation of XXXX XXXX and upheld supreme court decision on XXXX U.S.C. XXXX. 

I am openly XXXX and an owner of this loan that was originated. 

XXXX XXXX
Consumer complaint received 2020-06-15
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (MO)

My husband was furloughed due to the XXXX. As such with being on unemployment we chose to work with our creditors and most all of them suspending payments for 2 to 3 months. US Bank however offered nothing other than waiving the late fee and really isnt any help at all. Now theyve reported us to the credit bureaus Which under the cares act I dont believe theyre allowed to do.
Consumer complaint received 2023-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (ME)

I have had an account with PayPal for years and utilized their option to pay over time with no interest if paid off within 6 months. Recently despite several calls to the company each month requiring 30 or more minutes each time, they continue to allocate payments to the most recent charge, not the one that is required to be paid first in order to avoid accruing interest charges. There is no way on their site to allocate the payment amount yourself and despite repeated requests to pay off the charges by length of time posted, they continue to pay the most recent charge first, clearly in an attempt to catch the lender out and charge interest even though the amount should have been paid off.
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am a Bank of America customer and have 3 checking accounts at their banking facility. I received a loan from Bank of America that was deposited into my account ending in XXXX. However, Bank of America withdraw the loan amount payment, that I owed from my account ending in XXXX, which is not associated with the loan payment agreement. The Bank of America loan agreement stated that funds would be withdrawn from the account XXXX, which is the account that received the deposit. 
I am requesting that my account ending in XXXX be refunded the withdrawal amount and restored to a positive balance.
Consumer complaint received 2020-06-15
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: Experian Information Solutions Inc. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2024-02-26
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 wish to follow up addressing a matter of great concern regarding fraudulent activity that has affected me. This message is a follow-up to request the elimination of specific entries from my credit file, attributed to alleged fraudulent activities. As mandated by FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to expedite the removal of such entries no more than four business days following the submission of the previous complaint on XX/XX/XXXX. I have previously communicated this issue through a formal complaint, and I restate my concern here, accompanying it with my updated FTC Report # XXXX. I must underscore that the details of the disputed entries are entirely unfamiliar to me and have been removed by other credit bureaus, leading me to question their validity. Here are the items for removal listed per bureau : EXPERIAN : XXXXXXXX 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 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. I am compelled to inform you that failure to act on this request will necessitate legal action. My legal representatives are fully briefed and ready to enforce accountability for any deliberate negligence. This notice serves as your final admonition. I urgently request the removal of the inquiries associated with the alleged fraudulent activity.
Consumer complaint received 2020-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

I am having trouble getting my mortgage company to pay the correct real estate tax bill On XXXX, the mortgage company paid a tax bill for {$8100.00}. I am not sure what they paid but that it is not the taxes for the property in question. 

The taxes for this property are only {$4100.00} https : //XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/balance I contact them on XX/XX/XXXX, XXXX and again today XX/XX/XXXX. They are ignoring these requests They have now increased my mortgage payment from {$1500.00} to {$2400.00} to cover the escrow shortage, but again, they haven't even paid the right bill.
Consumer complaint received 2020-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

We purchased a new home @ XXXX XXXX XXXX, XXXX XXXX, CA XXXX from XXXX  XXXX Mortgage XX/XX/XXXX, the loan was immediately bought out by Planet Home Lending and just a month later, bought by New XXXX XXXX, my complaint is against Planet Home Lending. In XX/XX/XXXX, when we purchased our home, we only had the choice to use the California XXXX XXXX hazard insurance which is fire only. When it came time for renewal in XXXX, we found a more comprehensive company and decided to change. Unfortunately, XXXX XXXX paid both hazard companies, so we had to contact the Fair Plan to cancel and they inadvertently refunded the amount of {$690.00} to Planet Home Lending who was no longer the mortgage holder, to complicate matters further, we paid off our mortgage with XXXX XXXX and own the property outright. I have advised Planet Home Funding with XXXX phone calls, XX/XX/XXXX and spoke to XXXX and was assured I would get a refund in days ; on XX/XX/XXXX I spoke to XXXX and she said she had to get information from their cash department and would call me back, she never did. On XXXX I wrote a letter asking for immediate refund of the premium and today XX/XX/XXXX I spoke to XXXX, a supervisor and she said she would call me within the hour ... she never did. They can not keep money that doesn't belong to them and I want my refund now. Can you help me please?
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (MI)

I was alerted by XXXX that there was a negative action showing on my account. I disputed the debt, but by dispute was rejected as being a proper debt. It is not. CBE has posted a collection against my credit in the amount of {$990.00} on behalf of Charter Communications d/b/a XXXX XXXX. CBE told me that I had to talk to XXXXXXXX XXXX fraud department. XXXX needed more info, as I did not exist in their system ( despite supposedly reporting me for collection ), so I called CBE back, with a XXXX rep on the line. The account number given does NOT exist in XXXX 's system. The address connected to the account in collection does NOT have my name on it, nor is it in default. Simply put, nothing in either company 's systems links to me, yet I am still in collection. Also note that I have never received a collection notice as required by law. I only found out through XXXX. 

Account # that is being collected uponXXXX Auxiliary #  provided that is most likely irrelevantXXXX Address associated with the account being collected upon : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI I was told by XXXX 's fraud dept. that this address does have an associated account, but that it is not in default and does not have my name on it. 



CBE GROUP XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone number ( XXXX ) XXXX