davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
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: Bread Financial Holdings, Inc. (DE)

On XXXX XXXX, i fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( a fake company ), with the design, development, manufacture, promoting, marketing, distribution, labelling and/ or sale of illegal and outright fraudulent " investment services '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via credit card and through an intermediary named XXXX XXXX in the total amount of {$500.00} utilizing the Comenity Capital Bank. 
XXXX XXXX XXXX a fake company cleverly orchestrated a prevalent scheme of deception to lead people to invest significant sums while knowing that those would be investors would ultimately lose the money that they had entrusted to it. The overall purposes of the scheme in other words was to target and defraud people who are often in experienced and nave, in pursuance of illicit wealth through various fraudulent representations.
Consumer complaint received 2019-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

My payments are done with the auto payment service provided by MyLoanCare and on XXXX of 2019 the company reversed payments for some months. The payments where made on time and I call the customer service department I'm kept on hold a long time. The person helps me fix the issue and they tell me its good, then I call in a few days later to confirm and the person says again that the problem is still there. 

I maid double payments to avoid getting my credit score damaged but they still keep sending bad information to the credit reporting agencies. 

I have all proofs of payment and I had my accountant review the account and we have a file with all the payments. The second problem is the balance showing on their statement does not match my records.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-03-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NV)

I spoke to someone about 4 weeks ago and they said I would be contacted regarding the complaint in approximately 10 days. I have not heard from anyone. 

This is regarding when I was employed by WF and was in process of getting a mortgage ( I have the loan numbers & info including an email from mortgage rep telling me to just let it go and move on ) I was about 2-3 days from signing when asked for additional XXXX in funds, loan fell through and all the funds I paid were lost, I did consult an atty and was advised I was entitled to those funds back but WF Mortgage and Mgr told me if I wanted to keep my job to not say anything and let it go even the money to the XXXX XXXX " You might as well just put this behind you and move on " Very frustrating as I am a widow and had moved to XXXX XXXX to help my Mother who was ill and passed since then. 

please have someone reach out to me @ XXXX
Consumer complaint received 2022-05-21
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX  Accounts below 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. 

Collection Accounts : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$620.00} XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$540.00} XXXX XXXX XXXX XXXX reported : XX/XX/XXXX Amount : {$250.00} XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$2500.00} XXXX  XXXX XXXX XXXX XXXX reported : XX/XX/XXXX Amount : {$550.00} XXXX XXXX : XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$330.00} Closed XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$0.00} Closed Loans : XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$4600.00} Closed Public records : Bankruptcy XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Dismissed and Closed State XXXX XXXX XXXX XXXXXXXX  Date XXXX XXXX XXXX XXXX XXXX Amount : {$0.00} Closed and Paid
Consumer complaint received 2024-03-12
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. (GA)

I disputed 30 days past due to XXXX XXXX and they verified the information as correct. I disputed this information because they made a change on the month that was allegedly 30 days past sit. Essentially they said XXXX was late and I disputed that and they changed it to XXXX. I disputed the XXXX month and they said the information was correct. Approximately 4 weeks after the investigation XXXX  30 days was listed as current and they now claim it was a different month. Every time I submit the dispute they claim the information is correct and communicate that to the bureaus and after the investigation is closed change the alleged month I was 30 days late. 

It appears that XXXX XXXX is playing games with alleged late payment dates by moving the months around which is having negative impacts on my score.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (WA)

On XX/XX/2022, my checking account was assessed a - {$12.00} monthly service fee. At the time the fee was assessed, the account had a balance of {$5500.00}. 

Citibank claim that the fee was a result of the account not having a sufficient minimum balance ( of {$1500.00} ). 

On XX/XX/2022, I transferred {$5000.00} to the account. 

Citibank have refused to reimburse this fee.
Consumer complaint received 2023-10-26
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Consumer complaint received 2023-06-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (IL)

I made payments on XX/XX/2019 that included : XX/XX/2019 interest adjustment {$25.00}, XX/XX/2019 unapplied adjustment {$8.00}, XX/XX/2019 payment with overage {$3600.00} However, I was never informed of these adjustments or overage charge until my account was closed for paying off my loan and looked I looked at my account charges online. When I contacted Wells Fargo they didnt do anything about it because my auto loan account was paid off so they closed it.
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
1

5 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 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Financial Business and Consumer Solutions. (IN)

XXXX XXXX account gas card. had the card and stopped using the card because of job lose. they wont work with me and is selling the account to other companies and they are trying to get me to pay it. i cant pay it i had to stop working and am on a fixed income,
Consumer complaint received 2022-05-21
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. (GA)

In accordance with the Fair Credit Reporting act, the following account has violated my rights. 

Account Name Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (IN)

It is a credit card. I applied for the card, received it. Then they said I didn't pay the fee to start the card. I paid the fee. so, they shut the card off, i used it once and it was for like XXXX dollars, and then they shut it off and started sending mail, calling and letters. I am not going to pay for a card i used once and then they shut it off.
Consumer complaint received 2022-05-21
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: EQUIFAX, INC. (TX)

I have contacted Equifax multiple times to remove this account from my credit report it is involved in a Federal Law Suit for fraud committed against me. 

Please open the attachment below included is the Federal District Court Docket that proves this account is fraudulent. 

Account number with Equifax is XXXX
Consumer complaint received 2022-05-21
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. (NY)

I WAS REVIEWING MY CREDIT REPORT AND I SAW FEW ACCOUNTS WHICH I DIDN'T RECOGNIZE, I BELIVE, THAT SOMEONE USED MY PERSONAL INFORMATION AND APPLIED FOR THESE COMPANIES, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS OR DOCUMENTS WITH MY SIGNATURE, I LOST MY WALLET FEW MONTH AGO, THAT'S WHY I BELIEVE I WAS VICTIM OF IDENTITY THEFT
Consumer complaint received 2022-05-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A. (NJ)

I bought used car from XXXX with approved credit and paying timely monthly payments but due to high interest I applied PNC bank auto refinance loan with co applicants. My credit score XXXX XXXX and co applicant credit score XXXX XXXX and they denied credit base on key factors that adversely your credit score for both applicants are exactly SAME, when I called representative said me you did not put CASH DOWN.
Consumer complaint received 2017-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

The case number is XXXX its with XXXX XXXX. they are debt collectors it is for original creditor XXXX XXXX. ENDING IN XXXX THIS IS NOT MY ACCOUNT,. I never OPENED THIS ACCOUNT WITH XXXX XXXX. I get a letter from these people every month wanting this and wanting that. Again this is not my debt. 
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-05-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NC)

I have tried talking with my mortgage company XXXX The Money Source. For a couple months now. I have been trying to get a loan modification after a year behind in mortgage payments. Due to the death of my wife and employment problems during the covid crisis. They have sent documents several times so that i may have a notary execute them. But they continue to add my wife to the paper work and the notary can not help me since my wife 's name is still on the documents. I have filled out there mortgage assistance forms and sent in my wifes death certificate numerous times. Now after many months they inform me i might need a probate. But ac ording to NC law and attorneys. Probate is not needed if jointly owned. I also on many occasions asked for more clarification and to talk with a supervisor. I am promised a call back since no leadership is available hiwhile i call. But no call back comes.
Consumer complaint received 2022-05-21
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. (MS)

I did not consent to, authorize, nor benefit from the following inquiries. Block and remove them. 
XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I was alerted of my online banking login being accessed by someone who wasnt me I immediately reported it to my bank instead of them helping me they took my money overdrafted my account gave me the run around all week havent even allowed me to access my own account only for them to close my account when Im the victim of a scam was told I was apart of the Scam this is and when I asked for my account to be escalated to a manager or the highest person who can handle the situation I find it funny and convenient that now the accounts closed
Consumer complaint received 2022-05-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. 
I feel like I am being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. 
it has been over 60 days so they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you cause me. 
my information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Trident Asset Management, L.L.C. (IN)

It is a credit card. I applied for the card, received it. Then they said I didn't pay the fee to start the card. I paid the fee. so, they shut the card off, i used it once and it was for like XXXX dollars, and then they shut it off and started sending mail, calling and letters. I am not going to pay for a card i used once and then they shut it off.
Consumer complaint received 2022-05-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. 
I feel like I am being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. 
it has been over 60 days so they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you cause me. 
my information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Siggi LLC (VA)

I had a loan with omni financial in 2018, while stationed in XXXX XXXX with the XXXX. I have paid off the loan but I have a second loan that I do not recall getting and it keeps reporting on my score and the balance continuously increases by XXXX every week. 
I tried to call them and got a lady who was extremely rude. Would not give me details over the phone and then hung up on me.
Consumer complaint received 2022-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted TransUnion multiple times to remove this account from my credit report it is involved in a Federal Law Suit for fraud committed against me. 

Please open the attachments below included is the Federal District Court Docket that proves this account is fraudulent. 

Account number with TransUnion is XXXX
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : Upon inspection of my credit report I noticed the following personal information is incorrect : My full name is : XXXX XXXX There should be no other name listed please remove any other that remain My current address is : XXXX XXXX XXXX XXXX Pa XXXX There should be no other address listed please remove any other that remaim XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My phone is number : XXXX Please update your records properly Regards XXXX XXXX
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : Upon inspection of my credit report I noticed the following personal information is incorrect : My full name is : XXXX XXXX There should be no other name listed please remove any other that remain My current address is : XXXX XXXX XXXX XXXX Pa XXXX There should be no other address listed please remove any other that remaim XXXX XXXX XXXX  : XXXX XXXX XXXX  My phone is number : XXXX Please update your records properly Regards XXXX XXXX
Consumer complaint received 2022-05-21
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: Commonwealth Financial Systems, Inc. (FL)

CFBP write up 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 602 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-21
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: EQUIFAX, INC. (SC)

Their website has a pre-qualification form for personal loans that specifically states " this will not affect your credit score. '' I did the pre-qualification form but decided not to pursue fully applying for the loan. The local branch still pulled my credit report, resulting in a hard inquiry without my permission. I contacted the company about this, and someone from a local branch called me back. First he tried to get me to close the loan anyway even though I didn't want it, then said he would contact the company 's home office to find out how to resolve the issue. He said he would call me back by Friday but I never received a call.