davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

i was in a covid XXXX program with XXXX Mortgage that appears to be an interest increase trap as well as negatively impacting my credit score.

according to The Cares Act, this should Not happen. 
XXXX Mortgage is conducting business nefariously and taking advantage of mortgagees during a pandemic. 
they have refused to take payments and allow me to resume paying on my mortgage yet are reporting me for missing payments which is false, I have bank statements and documentation to back this up.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/2022, my direct deposit has not been put in my account. The only answer they could give me is that they do not know when the problem will be fixed and it has been happening for two days. They also will deliberately post other transactions first throughout the past few months in order to constantly access unnecessary fees. Here it is 2 hours away, I made a payment arrangement to pay XXXX XXXX and my lights will be cut off because of their lack of urgency to get any issues fixed.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

Experian responded to the Consumer Financial Protection Bureau ( CFPPB ) in complaint number XXXX on or about XX/XX/2021 that my personal credit report would be mailed to me as requested. Further, Experian advised that it would take up to 10 days to receive the mailed report. Now, 4 weeks later, I have yet to receive the Experian credit report. However, for the record, I have received my credit report from both XXXX and XXXX, which was requested at the same time. Therefore, Experian should expedite this past due request.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (AR)

To whom it XXXX concern : I have requested several times for this entity to provide me with the resources used to verify these XXXX accounts which they have not provided to me as of XX/XX/2022. 

I am aware as they are that they are violating my rights as a consumer. I am requesting the method and information that was used to " verify/validate '' these accounts that I have listed below. I have allotted XXXX days for this information to be sent to me. I have removed the account numbers as requested by you all at this time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, XXXX XXXX
Consumer complaint received 2019-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

We took our car to what turned out to be an incompetent mechanic. They had the car for two months and everything that they touched they broke. A car that we had previously been able to drive to XXXX XXXX XXXX in XXXX, Ohio now has to be towed out of their shop. They refused to give us our car keys unless we paid after a lot of arguing. They forced us into it. They car required thousands of dollars of repairs after this shop. I have been trying since XX/XX/2018 to get our {$3900.00} back from Capital One. It has been a horrible experience and I have spent 50 hours on the phone with them trying to get money back that we clearly swindled out of. I have submitted a second opinion and 14 pages of documentation. Capital One has passed me around, given me incorrect information about there being two disputes open and one employee that had our case for three months and did nothing. Please HELP us. Capital One has made this process appalling. We just want our {$3900.00} back that we were cheated out of. Please reverse the charge! Thank you!
Consumer complaint received 2018-09-17
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. (GA)

I DON'T OWE ANYONE MONEY AND IF YOU LOOK INTO MY CREDIT PROFILE ON THEIR CREDIT BUREAU THE COLLECTION IS NOT ON THERE. THE WRONG INFORMATION IS AFFECTING MY CREDIT BADLY. I NEED IT GONE ASAP. 
THANK YOU
Consumer complaint received 2021-05-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (MD)

Good evening, I received an alert from XXXX  that on XX/XX/2021 a PNC Bank account was opened using my SSN. I never opened an account with this financial institution. I immediately contacted XXXX XXXX  XXXX alert team to let them know of the identity theft/criminal activity. I also contacted the local police to file a report. On XX/XX/2021 I went to the local PNC Bank in XXXX, MD to report the fraudulent activity. I spoke with the lady at the customer service desk and told her the issue. I specifically told her that I wanted to speak with the branch manager. I was first approached by a representative who was not the branch manager. I then was met with another representative who said that she was the branch manager. I accompanied the branch manager to her office. I shared with her the serious offense and showed her the XXXX screenshots of the fraudulent activity. She asked me to put in my SSN and said that she did not see anything. I again explained to her the facts and added I have a lot of questions. Before I asked my first question, her phone rings and she begins to talk with another customer while I am sitting in her office. More than a minute goes by and she is still talking on the phone with this customer. I was so displeased by her lack of professionalism, lack of security/privacy act protocols, dismissive attitude, and sheer disrespect that I began to gather my things and proceed to leave her office. As I got up, the branch manager stops talking with the customer on the phone and asks me if I was okay. I responded that I am not okay and left. The branch manager did not answer my questions or provide me with an identity theft affidavit or anything regarding the fraudulent/criminal activity. The way she treated me was deplorable. As an honorably retired and permanently XXXX military veteran, I am extremely shocked by the XXXX PNC Bank branch manager 's action towards me and to the other customer whom she held a phone conversation with while in my presence. I request that PNC Headquarters address the unresolved criminal activity regarding the theft of my identity, address the branch manager 's unprofessional/disrespectful/dismissive treatment towards me and my fraudulent activity complaint, and address how the branch manager violated security and privacy concerns while having a phone conversation with another customer while in my presence. I will standby for further instructions to provide additional information ( PNC Bank Branch manager name, PNC Bank Customer Service name, XXXX screenshot of fraudulent activity, police report, etc. )
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP (CA)

When I was in college and dealing with some severe health problems, my parents stepped in and helped out with a credit card I had at the time with US Bank. According to my mom, she closed the account, not realizing the negative impact it would have on my credit. When I got older and viewed my credit report, I noticed a negative item from US Bank for this account, stating there was a {$260.00} balance that was charged off. I contacted the local branch closest to me ( XXXX XXXX XXXX XXXX ) in XXXX where I was working at the time and made arrangements with the branch manager to pay IN PERSON in several installments. This balance was fully paid as of 2015 at the latest ( I no longer have the specific dates ; I threw out the receipt last year because they told me at the US Bank branch that everything was current ). I have disputed this with US Bank directly, as well as XXXX, but each company tells me I still owe the {$260.00}. This information is simply incorrect and it is hurting my credit years later.
Consumer complaint received 2022-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

In about mid 2021, I attempted to make an XXXX purchase through the PayPal service. I was unable to make a purchase most likely because I was using a XXXX service that triggered a fraud detection. This was a common issue with other websites and was resolved by temporarily turning off the XXXX. People around the world legitimately use XXXX services without any nefarious intent, but rather for security as was I. 

My PayPal account would become permanently limited without explanation. Instead of going back and forth with PayPal, my preference was to simply delete my data and close the account. I did not want my information out there in case of a data breach or hack. I do not concerned that PayPal would not sell or allow my information used on their site. That is not enough. I do not trust their cyber security and neither should anybody else. We each are responsible for our own security in this era of cyber hacking. 

PayPal is not justified refusing me to delete my information.
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc. (TX)

XXXX XXXX : This is my fathers credit, XXXX XXXX XXXX. I am XXXX XXXX XXXX. Two different people, THIS IS NOT MY ACCOUNT AND NEVER WAS! REMOVE FROM MY CREDIT REPORT PLEASE.
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC (CA)

Recently, I received a letter from Citadel Servicing Corporation stating that a recent XXXX found there is excess fund left in the escrow account that is due to me. Citadel used the escrow account to pay for my mortgage, property tax, insurance etc. I paid off the loan in XX/XX/XXXX. 

On XX/XX/XXXX, I called Citadel Servicing Corporation and spoke to XXXX of Customer Service. He said that the refund payment will be mailed to me no later than 20 days from XX/XX/XXXX. 

20 days went by and I still have not received the payment. 

On XX/XX/XXXX, 48 days after I had the conversation with XXXX, I talked to XXXX of Customer Service. He said the refund payment will be mailed to me later this year due to " a logistic reason. '' As a XXXX XXXX XXXX myself, I am fully aware that mortgage lenders can take up to 30 days to refund escrow account balances to borrowers whose mortgage loans have been paid off. However, if a lender retains a customer 's money longer than 30 days, they are breaking laws. 

Please help investigate this matter and compel Citadel Servicing Corporation to release the fund to me.
Consumer complaint received 2020-12-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/2020 I attempted to re-finance my house with the existing Wells Fargo, who I have had the loan with for many years. I was trying to get a lower interest rate. I provided all of the documents and waited for some communication from Wells Fargo. I got in touch with Wells Fargo and they said I needed to provide my Divorce Settlement Agreement. I have been divorced for six plus years and have paid my former wife all of her equity in all our joint holdings. When I asked if I could provide just the parts that have to do with house and alimony I was told they would look into it and get back to me. Over two months I would contact Wells Fargo and got the same answer. Finally I received a letter stating I did not provide the documents that they wanted so the loan was cancelled. I paid for the appraisal of the house, and I feel they should refund me at least that amount, ( {$530.00} ). I attempted to contact Wells Fargo at least 25 times up until XX/XX/2020 and all I received was people hanging up on me, and a lot of smoke and mirrors, baloney, telling me how important I was to them, and how much they value my business. I was stressed out over the past nine months and have not got any satisfactory resolution of this matter. I believe they have discriminated against me also. I have the dates, and people I have talked to, on my log of this mess. I feel Wells Fargo personal are incompetent, and completely miss-managed this issue. I have been a Wells Fargo customer for many years, and will be refinancing my house with a company who values me as a customer.
Consumer complaint received 2022-10-12
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again : XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX and 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
Consumer complaint received 2022-03-13
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: EQUIFAX, INC. (CA)

In XXXX I noticed fraudulent accounts on my credit report after receiving a notice that my personal information may have been compromised in a data breach with Equifax. I begin to dispute these items and these items were not removed. In XX/XX/XXXX I filed a police report as well as a FTC report I mailed these copies of the reports along with my social security number, Identification, and proof of address to XXXX, Equifax, and XXXX. Each company reported that the creditors verified the accounts. I then wrote a letter in XX/XX/XXXX to each creditor as well as XXXX, Equifax and XXXX to provide me with a copy of the original singed documentation. Their response was accounts were verified. Over the course of the past 3 years I have written letters and been told to resend police reports, file disputes over and over. As of XX/XX/XXXX I informed each company of my rights under FCRA section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) to provide me with the original signed documentation. I also informed them of my FCRA rights under section 611 ( a ) ( 7 ) to provide me the method of verification of these accounts. I was told by each company that the accounts were verified and they do not have to provide any documentation. I called all companies in XXXX of XXXX to inform them of the law under FCRA section 616 & 617 of the civil liability and the remedy available to me if they failed to comply with federal laws. These companies has failed to show me any documentation of the accounts being mine. These companies are failing to follow FCRA section 611 ( 5 ) ( A ) that states you are required to promptly delete all information which can not be verified.
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (CA)

Received a call requesting payment for comedy bank. I asked for verification of debt, was directed to a website that only had my name, the debt amount, and creditor info. No explanation of charges, no proof of validity. XX/XX/2022
Consumer complaint received 2024-03-07
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. (FL)

CEASE AND DESIST This is not a normal complaint this complaint is to expose the bureaus fraudulent practices that you the CFPB can do what you are supposed to do and shut em down until they do manage to do business by the law. Ive complained about this issue several times. I need action and recourse. CFPB it is your whole reason for existing. to make sure that these institutions dont take advantage of consumers. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681i, which mandates a reasonable investigation of disputed items on a credit report within 30 days, I have found your lack of action and correction unacceptable. The Accounts listed in the attachment have not been properly investigated nor verified with the diligence the law requires. Moreover, under 15 U.S.C. 1681b, the FCRA stipulates conditions under which you are permitted to report consumer credit information. Express permission is a requirement not to be overlooked. Without my consent, the reporting of any such unverified and incorrect information constitutes a direct violation of these statutes, effectively amounting to the illegal dissemination of data. Let this letter serve as a formal notice for your agency to CEASE AND DESIST all reporting of the aforementioned unverified and incorrect information related to my consumer credit files. Immediate rectification actions are required to address these inaccuracies, including but not limited to the deletion of these items from my record, to bring your operations into compliance with 15 U.S.C. 1681i ( a ).
Consumer complaint received 2021-05-13
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: Experian Information Solutions Inc. (LA)

SECOND ATTEMPT!!! These Accounts must be removed immediately. I am not aware of their origin, and I do not remember any such accounts belonging to me. I demand that if you do not provide proof these accounts be removed within 7 days from the receipt of this notice. By law, and according to the FCRA I have the right to know what information you are using to report this information on my report. The following accounts must be removed NOW!!! XXXX. XXXX XXXX XXXX {$350.00} XXXX. XXXX XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX XXXX {$850.00} XXXX. XXXX XXXX {$1000.00} XXXX. XXXX {$140.00} XXXX XXXX XXXX XXXX {$870.00}
Consumer complaint received 2024-03-07
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. (MD)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX  XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX XXXX : -
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I am consistently charged late fees by Wells Fargo every month. 
Also when I pay on month x, it says that my " next '' monthly payment on the XXXX of month x, as if to say that I will always be late and the information post payment is not immediately updated so this perpetuates the confusion. 

Even during the pandemic I was assessed late fees! I contacted the bank on this matter and they tell me that they can only do one adjustment per year. 

I have had my mortgage with Wells Fargo since 2006 and have refinanced once with Wells Fargo also. I have always been current on my mortgage balance, Other issues I have had with Wells Fargo : - opening of account without permission - overdraft fees on debit card payment when I have never instructed the bank to go beyond available balance. 

The above mentioned issues were indeed resolved by the bank after numerous calls to customer service. 
I have never filed a complaint against this Wells Fargo but this time I feel compelled because I don't think that the bank is transparent about its practices.