davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I have experienced horrible service with Fifth Third Bank so far! I have called the bank 5 or 6 times for resolution. I have also sent secure messages. I was able to set up all my bill pays and make payments on XX/XX/2020. Since then I have been blocked. For days I was blocked from logging into XXXX on my computer. Now Im unable to receive text alerts, unable to transfer funds between my checking and savings, unable to send out bill payments do a security block popping up to protect me Customer service response? Your risk score is too high because you are a new customer and you keep doing things to raise your score like trying to transfer funds or using bill pay and logging in using your computer and your phone. Dont log into XXXX for a week! This will bring your risk score down. My response how will I pay my bills? No suggestion, no resolution at all.
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MS)

My mortgage company is Mr. Cooper, a brand name for Nationstar Mortgage, LLC. On XX/XX/2019, the company used money from my escrow account to pay property taxes on the wrong parcel of land. Because of their incorrect payment combined with the correct payment, my escrow account has a negative balance. The company has raised the price of my mortgage from {$1000.00} to more than {$1500.00} a month to make up for that negative balance and pay for their mistake. They have admitted to paying on an incorrect parcel, yet 7 months later, I am still being held hostage by their inflated note to account for an error that occurred on their behalf, not mine. 
I have called more than 10 times since this error first came to my attention, beginning in XXXX. I've spoken with their escrow department, as well as people from their executive resolutions and escalation teams. Six months have passed with absolutely no resolution, despite an admission of error on behalf of the mortgage company. I'm being told that until they receive a refund from the county for the incorrect taxes, there's nothing they can do. However, the county has told me they've received no phone call or correspondence from the mortgage company. My escrow account has been mishandled, and I am paying the price for it through no fault of my own.
Consumer complaint received 2024-01-19
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. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are accounts under my name that is a result of Identity Theft that I have no direct engagement with. Please see attached documents for these accounts I am complaining.
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc. (AL)

I got a medical bill on my credit report fraudulently I disputed this account XXXX the XXXX 2022 On XXXX the XXXX 2022 is still appear on my account my account I disputed this account again XXXX the XXXX 2022 on XXXX the XXXX XXXX it still appears on my account XXXX the XXXX 2022 I'll dispute it this account again on XX/XX/XXXX XXXX 2022 is still appear on my account XXXX the XXXX 2022 I disputed this discount again on XXXX the XXXX XXXX is still apparent on my account And it's also on my credit report twice The same account
Consumer complaint received 2020-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Over the past several years, Wells Fargo Home mortgage has been difficult to deal with when it comes to my Mortgage Loan. 
I did address my situation with Wells Fargo Management. I made it clear that am the Single owner after my XXXX died. Since then Wells Fargo lowered the interest rate to 3.350 % per annum. 
In light of Covid-19, effective XX/XX/2020, Wells Fargo has raised the interest rate to 3.875 %. Subsequently, I contacted Wells Fargo by phone and e-mail. When I inquire about with new rate, the Customer Service agents only response is I am Sorry. This response is a false apology by Trained Agents. I followed my my complaint by e-mail and later Wells Fargo did block me from contacting them by e-mail. 
Before the rate increase, my monthly payment was {$1600.00} and effective XX/XX/2020, the new payment is {$1700.00}. I also had to pay a large amount to pre-pay to my Escrow Account to lower my new monthly payment. 
Since then, Wells Fargo has been suggested to me with two options.

1. Option 1. Forbearance. I will not accept this option. This tactic is done by Wells Fargo to put more Burden and pressure me to Accept this option. This method is good for Wells Fargo to eventually put me to Foreclosure Status. 
2. Option, 2.. Refinance : I will not accept this option at all. I am not going through refinance process. I do not have funds to pay for closing costs and I hat e to put myself to Hard Inquiry credit process. 
I will Accept the old 3.75 % and I request Wells Fargo Restore the old rate ASAP and refund me for the payment I made for the month of XX/XX/2020. 
I am XXXX years old and an XXXX American I is the Pattern of Wells Fargo not to help Minorities with Lower Interest rate. 
Wells Fargo wants to Drain me for longest period by Using Forbearance & Refinance Options. This Racial Tactic is designed to Minorities. It is to discourage us Minorities not to Won the American Dream. 
A copy of the Complaint is being Filed with the State of XXXX   Office of The Attorney General, Consumer Protection Division. 
3.
Consumer complaint received 2022-11-06
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. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

The information attached shows how Experian is breaking the law ( FCRA timelines ), and not fixing errors contained on the credit reports from an individual. They share information to people not authorized, and they try to confuse the regulators like CFPB, by saying they verified the authorization without providing any proof of that. I have had for months a lot of fraudulent inquiries ( some of them already removed by Experian ), since the XXXX information leak. I have been notifying Experian properly as the law dictates, and still does not eliminate the all the unauthorized inquiries to my report. Even with the proof of the creditors asking to remove the inquiries, they simply neglect to take off all the inquiries that do not have any authorization from the individual. They do not provide any proof of verification, and CFPB is not doing anything about it. This complaint in addition to the previous, has the proof from a lot of those inquiries being retired by several creditors. Experian did not fix the errors completely, breaking the FCRA timelines.. CFPB I am providing evidence of the continuous breach to the FCRA by Experian, please procede accordingly. Thank you!!
Consumer complaint received 2023-02-09
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. (NY)

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Account Type Condition Responsibility Term ( in months ) Remarks REVOLVING Closed INDIVIDUAL Account previously in dispute - nOw resolved - reported by subscriber XXXX XXXX XXXX Date of Account Status Payment Status Legally paid in full for less than the full balance XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 
Balance XXXX XXXX  Credit limit XXXX XXXX Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Last payment XXXX XXXX, XXXX In Collections/Charge- off Current Payment Status Amount nant din Today Credit Cards Loansit is not accurate closed paid in full
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

On XXXX XXXX I made a mobile deposit in the amount of {$4800.00} into my business account. I did not receive a confirmation number so I deposited the check again. 
On XX/XX/2022 I check my account and realized the check was deposited twice. I called the bank ( Trusit ) and ask if they would remove one of the deposits and explained what happened. They removed both deposits so I called Trusit again and I was told I needed to take the check in to the local branch ( Truist ) and deposit it. I did on XXXX XXXX. On XXXX XXXX the check was returned saying it was duplicate presentment. I contact the company who wrote the check and ask if they would write another check and was told they contact their bank and the check was withdrawn once, never returned. The company refused to write another check because Trusit has the money and withholding it from my business account. I have gone to the local branch to resolve the problem and still do not have my money. I called the customer service number and still do not have my money or any reason Trusit is withholding my money. I believe this is FRAUD.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth Third I have a credit card account with I had a small balance. I called them in XXXX for the balance and asked for the complete payoff even if interest was going to be assessed .. I was given the total of approximately {$420.00} total and will not owe anything further. I said perfect and made the payment. on XXXX XXXX I received a credit alert that I had a late payment for them in the amount of XXXX.. I immediately called and said this can not be I asked for everything I could owe and paid it then. They said it was a {$1.00} of interest. I never received a bill for this or a call, they just gave me a XXXX late on my credit report. They said sorry for your inconvenience we waived the {$1.00} but did nothing about the late payment on my credit report
Consumer complaint received 2022-11-06
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC (CA)

FIRST I WANR TO START BY SAYING CFPB HAS CLOSED ALL COMPLAINTS STATING ITS A DUPLICATE AGAINST XXXX XXXX  ... I TOOK A SCREEN SHOT OF THE COMPLAINT WHERW XXXX  SAID XXXX XXXX XXXX ON THE CASE AND XXXX CLOSES IT. XXXX XXXX BEEN RESOLVED COMPLAINT : I currently have a credit card with XXXX XXXX card and they sent me a email to apply for a second card. I faxed a copy of my social of license so they can know my identity and know that I was the one applying. So I was surprised to see a denial letter because my identity could not be identified through XXXX. I would like XXXX to work together with Destiny XXXX card to get this resolved so my application will be approved. What ever is needed outside of me sending my ID and social I'm willing to provide. In addition to XXXX being aware my identity was already identified for my current Credit Card I have through XXXX. I attached the denial letter XXXX complaint I currently have a credit card with Destiny XXXX  card and they sent me a email to apply for a second card. I faxed a copy of my social of license so they can know my identity and know that I was the one applying. So I was surprised to see a denial letter because my identity could not be identified through XXXX. I would like XXXX to work together with Destiny XXXX  card to get this resolved so my application will be approved. What ever is needed outside of me sending my ID and social I'm willing to provide. In addition to XXXX being aware my identity was already identified for my current Credit Card I have through XXXX. I attached the denial letter XXXX complaint
Consumer complaint received 2020-06-16
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: Ascendium Education Group (NC)

ASCENDIUMEDUCATION keeps a re-aged account insisting that an account was opened in 2016. I was not in school at this time and they keep verifying account with credit reporting agencies. XXXX  does not exist for this time.
Consumer complaint received 2020-08-08
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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (VA)

I have a loan with NAVY FCU, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and NAVY FCU, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I gave proper notification to the apartment complex manager that I would be vacating the premises and I paid the last month rent directly to the apartment complex manager with a money order for {$1800.00}. There was no damage and the apartment was left in excellent condition. I was never notified by the apartment complex that there were any outstanding charges due and I was not aware that this account had gone to collections until I obtained a most recent copy of my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus as well as the apartment complex to remove this however, I have not been successful.
Consumer complaint received 2020-06-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

Hunter Warfield ( HW ) has been trying to collect on a {$3100.00} debt that I do not owe to them. I went to court for this debt and a judge signed off on an order that clearly states that I do not owe the Original Creditor ( OC ) any amount of money. The OC never tried to contact me about anything after this court date and a few months later I get a letter from HW. I requested debt validation and they sent some documents but none of it included the court order signed by judge. This item is ruining my credit report and by court of law I do not owe the OC so I do not owe HW. I have disputed this item multiple times and they will not remove it and they continue to verify this debt as accurate with the credit reporting agencies. I would like this collection removed from my credit report immediately.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (IL)

Credit card has been have servicing issues for over 3 months. I ordered a new card the first week of XXXX because my card wasn't working- not knowing that it was because Comenity was having system issues. New card never received. I have made multiple requests for a new card. They sent me a letter that they can't send me a new card due to my account status. My account is paid current and there are no alerts on my account per them. They don't know how to fix my account or issue a new card. They were supposed to send me replacement coupons to use - instead, they send me a blank piece of paper. They have no idea how to fix the issue that they created with their supposed system upgrade. I have had multiple phone calls with them to no avail. I can't use my card and have lost out on coupons, rewards and offers over the past several months.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MS)

Year XXXX. My XXXX XXXX created a wells Fargo account in my name and stole {$5400.00} out the account. They wouldn't even refund my money after I provided proof of identity and provided proof from the IRS. 
Year XXXXXXXX XXXX XXXXXXXX the bank said I was approved to open a bank account but when I went to a branch to open an account I was unable to. And the company didn't even explain why all this happened. Nor did they attempt to investigate the situation.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

Received email from XXXX charging me for {$410.00} for best buy XXXX XXXX. XXXX XXXX, phone number XXXX XXXX XXXX XXXX. My last payment to XXXX XXXX was {$43.00} in 2021,