davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There are erroneous inquiries that I did not authorize on my Equifax credit report. I filed a police report, put a freeze on my Equifax report and a statement of fraud on my report. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. According to the Fair Credit Reporting Act these inquiries are to be deleted immediately and you have failed to do so. Thank you A police report was filed, a fraud alert place on my credit report, and a case created with XXXX. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. According to the Fair Credit Reporting Act these inquiries are to be deleted immediately and you have failed to do so. Thank you
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I have contacted PenFed several times due to issues with my account e.g.Complaint ID : XXXX and Complaint ID Number XXXX, FTC # XXXX ... I mailed Pentagon Federal Credit Union, XXXX XXXX XXXX, XXXX, NE XXXX, and called XXXX and emailed XXXX requesting for my account to be dissolved in case of XXXX  XXXX and accounts removed from my report. PenFed did not provide a decision/ response to my request for debt forgiveness due to XXXX.
Consumer complaint received 2021-10-19
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. (CA)

On XX/XX/2021, 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'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

THIS IS NOT A INVESTIGATION REQUEST OR SUPPRESSION OF THE ACCOUNT. THIS IS A DEMAND TO PERMANENTLY DELETE MY INFORMATION FROM YOUR RECORDS. 
On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written permission to furnish said information. Within thirty ( 30 ) days, I asked that you give me written notice of instructions. You are willfully noncompliant and according to FCRA ( Fair Credit Reporting Act ) are liable for federal violations conducted, should you fail to reply I will pursue legal counsel. 
LEXISNEXIS has violated 15 U.S. Code 1681b ( 2 ) by furnishing these items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. PROVING I GAVE YOU WRITTEN PERMISSION TO FURNISH THESE. I ALSO DEMAND THE LEXISNEXIS VERIFICATION METHOD. WITHOUT RECOURSE. I HAVE WRITTEN TO YOU TWICE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2021 I made a deposit to my Wells Fargo Checking account. 
I have made multiple deposits from one bank account I have at a local credit union to another bank account that I have at Wells Fargo Bank. Usually the amounts are XXXX at a time. This time I deposited XXXX. For the first time, Wells Fargo decided to put a hold on the funds available for any amount over {$5000.00} for 10 days. 

This has resulted in additional fees and interest. It continues to cause additional interest due and has tied up my funds from being used elsewhere as this is still not resolved yet. 

The check was deposited from a local credit union that is serviced by the same Federal Reserve clearing house, the one in XXXX, Federal Reserve number XXXX. 

I have documentation that the check cleared my credit union account on XX/XX/2021. 

Wells Fargo continues to hold back availability of funds in my checking account. I have talked to 4 bankers and all 4 say that they do not have the authority to remove the hold. 

I thought banks were not lawfully able to hold funds on checks that have already cleared my other financial institution that is part of the same federal reserve. It seems that this hold is excessive and outside of the normal hold guidelines. 

Please advise. I would like them to pay punitive damages if they are out of line. 
This is ridiculous. 


I can provide documentation if needed.
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

My mortgage was sold to a new company starting in XX/XX/XXXX. The new company has a negative escrow balance on my account for an alleged property tax payment made by my previous mortgage company. The amount of the balance owed is {$610.00}. I submitted proof of payments by me to the county showing all of my XXXX property tax payments were made. I also checked my county record to determine if there is an overpayment. No record of overpayment is listed. I submitted this proof in writing to my current mortgage company for my escrow account to be correctly adjusted. They have declined to correct it and state it was paid they have not shown me proof of their payment, nor have they called or spoke to me. I have tried to call them 3 times in the 6 weeks I spent to correct this, and was always promised a call back. Instead i received written letters stating they are reviewing my case. The company needs to be held responsible for trying to over charge.
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MN)

I have tried numerous times to call them and have had no response, waited on hold and got disconnected. Left number several times for a call back and Im still waiting, this has gone on for a week and a half. I have left 5 emails, each one more desperate and frustrated. I have gotten 2 email responses, each one took a week and each one was to my first two emails which were generic emails saying the exact same thing, to  call which Ive done several times or look on there website which does nothing!! I have been forced to shut my business down due to coronavirus and the minimum will be 7 weeks with no income, chances are it will get pushed out further and we are trying to have mr cooper do something to help us like so many other mortgage companies are doing and they are doing absolutely nothing, you cant even talk to anyone. They are the absolute worst experience I have ever had in my life with customer service. They do not care about there customers and based on other responses Ive seen on there XXXX page, we are not the only ones. The amount of complaints I have seen is unbelievable and I cant wait to be done with them, they shouldnt even be in business. I will absolutely refinance away from them as soon as I am able too. They dont care about any of us that are struggling due to coronavirus, I have never been late on my mortgage with them. They only care about themselves.
Consumer complaint received 2020-03-30
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (NJ)

In XXXX of 2019 I sent a written request to Wells Fargo Bank N.A. for VALIDATION made pursuant to 15 U.S.C. 1692 ( g ) pursuant to the Fair Debt collections Practices Act. The Bank refused to respond with the information requested citing " pending litigation ''. This is disturbing because this bank is notorious for making different statements and allegations in and out of court.
Consumer complaint received 2020-03-30
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. (NJ)

I wrote EQUIFAX numerous times. The most recent was XX/XX/2020 and XX/XX/2020 they sent no verification or verifiable proof ( i.e. : an original consumer contract with my signature on it ) of the inquiry for XXXX made on XX/XX/2020. The inquiry was not authorized and it needs to be removed. I also requested verification or verifiable proof for XXXX XXXX  AND HAVE RECEIVED NOTHING.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

Beginning on XX/XX/2021 and every month after, there was a billing charge for approximately {$86.00}. I have tried to dispute these charges several times with Goldman Sachs/Apple Card , but they continue to tell me the dispute has been closed. They indicated that the merchant has no proof that the charges are mine, but they are oddly not reimbursing me, or removing the charges which total approximately {$1900.00}, I indicated to their management team that I would like a copy of all statements as well as proof that the charges were mine and results of their internal investigation. They did send me the statements, but refused to provide me with the results of the investigation. Numerous occasions, they have told me that the merchant has no proof, and that I should provide proof that the charges are not mine, which makes zero sense, I can not provide proof that the charges are not mine if the charges are not mine. They are mildly passive aggressive on the phone and I am tried for three months to get them to remove the charges permanently from my account, but they refuse.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NM)

According to XXXX XXXX my BB card was closed on XX/XX/2020 but I was using it as late as XX/XX/2020 and made a payment on XX/XX/2020. Their website did not show a closed status. Then on XX/XX/2020 a creditor attempted to pull their payment and it was denied. I was never notified of anything except on their website. No email notices of anything. They stated length of time accounts open some of my accounts have been opened for 5 plus years. I have a fairly decent payment history. They also stated that my score was only XXXX which doesn't make any since.
Consumer complaint received 2021-10-18
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)

Why I see this negative information on my account? I didn't applied for this. I think someone used my personal information. What should I do with it? My credit report looks so bad now!
Consumer complaint received 2021-03-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope you can help me. I have been sending disputes to the Credit bureau and I havent received a reply from them. This is really effecting me in purchasing a home. I dont understand why they arent doing their job.They are playing with people lifes and that not right. Please help with issuse I am having.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX I am currently XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, XXXX XXXX
Consumer complaint received 2020-03-30
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. (MO)

The following authorized user accounts I'm demanding to be removed, i have no knowledge of these accounts. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX USA XXXX. XXXX XXXX  XXXX  USA
Consumer complaint received 2021-10-18
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: CAPITAL ONE FINANCIAL CORPORATION (SD)

I received a call from a collection agency stating my Kohl 's account had been sent for collection. Didn't think I had a delinquent account, thought it was a scam. I have had an account with Kohl 's for 14 years, always paid on time and in full. I contacted Kohl 's they informed me I was late two months and my {$47.00} charge was now {$100.00}. I questioned why I didn't receive a bill or late notice. They said I was being electronically billed. Which I had no idea was happening. Until this time I had always received my statements in the mail and paid them in full on time. The person I spoke with said if I paid the {$47.00} in full they would remove the late fees. I spoke with them again a few days later about the problem about getting the late fees removed. They insisted that I had been sent emails with statements of my account, they have a record of that, in fact that day XX/XX/21 another had been sent. I had not received any emails from them about an amount due or that my account was delinquent. In the meantime I discovered they had sent in a late payment to the credit reporting agencies my credit rating fell drastically. I called them asking that they correct that report and remove the late fees. The late fees were removed and the credit reporting was sent for investigation. I received notification today that the information previously furnished to the credit reporting agencies is accurate. They are unable to comply with my request to update this information with the credit reporting agencies. I maintain ... this is their error in not sending me a statement in the mail. I did not know I was getting bills electronically and never received any emails stating so. Had I been notified of an amount due it would have been paid in full on time. My credit score plummeted 92 points. I have had an excellent credit rating for years! I believe this to be an attack on my character.
Consumer complaint received 2020-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (MI)

I submitted a complete package on XX/XX/20 for loss mitigation assistance. Called 20x to make sure all was received. It has taken them weeks to get back with me requesting more documentation. Sent in requested documentation only to get a letter back that we dont qualify for any programs. No reason why, just denied on all accounts. We want to save our home and I am now working making more money than I did when I got the mortgage but they will only tell me that now I dont make enough. I am happy to provide them what they need but the communication is horrible with this company.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On Friday XX/XX/21 I received notification from XXXX of a hard inquiry from Bank of America. I immediately called XXXX and was redirected to Bank of America. I called the bank and the representative was unable to verify based off security questions so I was sent into a branch. The branch did not see anything and I was told not to worry. This morning I received an email from Bank of America the denial and reference number # XXXX. I then contacted XXXX who has since placed a file lock on my account and I was told I had to file a report in order to have the inquiry removed from my report. I have been unsuccessful with Bank of America with speaking to an agent and it is very frustrating.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NJ)

** I am writing this on XX/XX/2020 at XXXX XXXX - while still on hold. I have spent 145 minutes on hold so far. XXXX This is regarding my Costco Visa card issued by Citibank. I am unable to access my credit card account for the past 48 hours ( since XX/XX/2020 ). 
I tried accessing my account through Citibank 's website and Citibank 's app on my iphone. 
Both channels have been unsuccessful.

I have been on hold for a total of 3 hours and 30 minutes over the past 2 days with no end in sight. Citibank 's error message is outright misleading and false. Their customer support representatives have been blaming browser issues and spouting a bunch of falsehoods and outright lies.

Citibank 's website and app say this is a temporary issue and i should try logging back in in 10-15 minutes. This is outright lies!

Bottomline - i am unable to access or even reset the credentials to my account. This bank needs to be shut down and all the liars and crooks working for them deserve to be thrown in jail.
Consumer complaint received 2020-03-30
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. (MO)

These 2 accounts are fraudulent and I'm demanding that they be removed immediately from my credit file. These accounts are not mines nor do i have any knowledge of them.

1. XXXX XXXX XXXX {$540.00} 2. XXXX XXXX XXXX {$68.00}
Consumer complaint received 2021-10-18
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. (TX)

I have sent disputes to this company in regards to inaccurate and fraudulent accounts they have failed to respond to me, it has been well over 30 days and I am demanding removal of these accounts
Consumer complaint received 2020-03-30
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. (IL)

XXXX is reporting on my credit report, I have submitted my police report to the credit B. Experian this is the only company that is reporting, XXXX  and XXXX  have removed from my report, Please get this issue fixed for me this is hurting my life and business
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

RE ; Mortgage No Relief Option COVID-19 Company - Mr. Cooper NMLS # XXXX  XX/XX/2020 I called Mr. Cooper to relay my situation due to COVID-19 ; I am a XXXX, temporarily laid off. First I wait on hold for about an hour. Once I spoke with someone I explained my situation and they responded the only option I have is a forbearance plan. I asked to speak with a manager, then he answered he's working from home so theres no way to transfer. I asked for a contact of a manager or someone else to speak with, he then answered he can not give me that information. With hopes of an alternative option from the mortgage company I decided to wait a few days. 

XX/XX/2020 Mr. Cooper contact XXXX voice recording stated they are not taking any phone calls at this time and referred to the website. The website is not functioning properly, 'the forbearance application ' is not accessible.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY (PA)

When credit card went past due first time in 12 years, and during covid and XXXX XXXX XXXX refused the payment i offered over the phone, proceeded to call me nasty names and forced my account to collections, which then called my mother twice ( who had no interst in their debt ) gave her a case # and threatened legal action if i did not comply? even i know this violates the law in so many ways. I later find after the two contacts to my elderly mother that the case number matched the partial account number belonging to my account with Target National Bank! They sued me and obtained a judgement for XXXX plus attorneys fees in XXXX of this year, i subsequently stopped paying any creditor and filed Bankruptcy. I contend that Target National Bank, and all successors in intetest Knowingly and willfully committed Illegal acts under the Fair Debt Collections Practices Act ( three seperate acts # 1 ) Colletions rep. from Target National Bank who refused my payment offer over the phone and ( promise to pay ), and then blew up demanding full payment ( name calling ) and threats. # 2 first call to my mother on or about XX/XX/2020 ( foriegner making legal threats ) # 3 ) forigner making a similar threat directed to me XXXX XXXX call back number was XXXX