davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

We have had a loan with BB & T, now Truist, for many years. Because of their inaccessibility -- it often takes more than one hour on hold to speak with someone -- my partners and I added automatic payment to our account in XXXX, 2022. We have two mortgage accounts, both with the same account number, but with different suffixes known as note numbers in their parlance. Both accounts were set up for ACH at the same time, and both were to draft from the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. Truist input an incorrect account number for one of the loans, and the correct account number for the other. These accounts are confused on the website -- the account with the wrong loan number appears to be paid on time, the other appears to be late because the payment was returned by the XXXX XXXX XXXX bank because of the incorrect loan number. After about 2 hours of painful discourse on hold and on the phone with a ( lovely ) customer service rep, I gave up and said just take the payment manually. She did. But then, mysteriously, the other payment was reversed. To add insult to injury, there are late fees on both accounts. And the customer service rep was unable to correct the incorrect account numbers because she could not " validate '' me via text, even though the previous customer service rep was abler to do exactly that with the same cell phone number I always use. I was then forced to spend additional time re-setting up ACH with faxed paperwork ( so archaic and not at all practical ) and have had no indication that it has worked ( still showing delinquent ). I am not able to make the changes on the website because the bank is still showing one account as delinquent, they refuse to fix it because they can't text me, and I don't have endless hours to sit on hold.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

All my monthly payments of my XXXX credit card balance have not been showing anymore since my credit report dated XX/XX/XXXX ( complete XXXX payments - attached ). They have desappeared from the today report dated XX/XX/XXXX ( missing XXXX payments - attached ). This transmission and/or publication issue has happened various times along the year XXXX as reported in the XXXX and XXXX complaints XXXX. This used to be fixed but for only a temporary period and the issue has come again after one or to two months time. My XXXX XXXX payments and my good standing with XXXX past due since XXXX disappears which is very prejudicial and is resulting in repetitive adverse letters when asking for other credit card. Experian says I should have more cards to raise my FICO score but they just impedes that same process. Attached are the XXXX report showing the right data and on the opposite the XXXX report with a blank section for my XXXX XXXX. Attached are also the XXXX card statements of XXXX and XXXX which should be reflected in the Experian report.
Consumer complaint received 2022-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I, XXXX XXXX, a federally protected consumer is writing this statement. On XX/XX/22 I sent a letter and FTC report regarding unauthorized information on my credit report. To this day, I have not received a response to these unauthorized inquiries. I feel like my disputes have been completely disregarded and ignored. I have even called and have proof with certified USPS receipts and transunion has stated that they do have documents and will not remove the inquiries. I demand these inaccurate inquiries be deleted immediately or I will file for litagation due to the stress and anxiety you have caused. I know this is a violations of my rights. My information was impacted by the XXXX databreach as well and may have been exposed to the wrong person.
Consumer complaint received 2022-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (CA)

Commonwealth Financial is claiming that I owe medical debt from XXXX and XXXX of 2017. There was no medical debt owed as I had an HMO plan through XXXX XXXX XXXX. All of my co-pays/deductibles were paid at the time of service. These reports of debt owed are false and are negatively affecting my credit. They placed XXXX separate collection amounts on my credit {$1200.00} {$1100.00} {$1100.00}.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Trouble using your card — Can't use card to make purchases
Company: BMW Financial Services NA, LLC (FL)

It has come to my attention that BMW has denied me credit. I the natural person, original creditor, and applicant, am aware that letter I received is a adverse action letter pursuant to 15 USC 1691 ( d ) ( 6 ). As the ORIGINAL creditor, I initiated a consumer credit transaction with my credit card pursuant to 15 USC 1602 ( L ) making BMW an assignee pursuant to 15 USC 1691a ( e ). I FILLED OUT A CREDIT APPLICATION ( exhibit A ), not a loan application because no financial institution can LOAN money pursuant 12 USC 1431. Furthermore i did NOT receive any benefit from that transaction which has negatively impacted my credit ( exhibit B ). This inquiry from BMW proves the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant with such respect to ANY aspect of a credit transaction as congress states pursuant to 15 USC 1691 ( a ). Lastly, congress no credit card shall be issued except in response to a request or application thereof pursuant to 15 USC 1642. It is shocking to me that BMW Takes pride in their ignorance of consumer protection. Regulation Z, equal credit opportunity act and the fair credit reporting act are all publicly available to relief you of your ignorance. Ignorance of the law is no excuse. As a result of the adverse action i have lost faith and confidence in the public banking system. As it has directly impaired me from exercising my right to extend credit. I DEMAND, that you show me the statements of reason for exactly why is denied credit. Keep in mind that the Fair credit reporting act states that any report containing information solely as to transactions or experiences between the consumer and the person making the report. Communication of that information among persons related by common ownership or affiliated by corporate control ; or communication of other information of other information among persons related by common ownership or affiliated by corporate control. And lastly the a consumer report shall not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

On XX/XX/XXXX I over-drafted my account and was charged a XXXX  fee. I blocked the card, as I did not have sufficient funds and was unable to make it to the bank to deposit funds and funds transfers from my other bank werent working- they continued to accrue NSF fees for transactions still hitting the account despite me blocking them. I went to the local branch on XX/XX/XXXX and deposited {$100.00} cash to cover the overdrafted amount and the first fee and close the account, asked for the fees to be refunded, and was told theyd escalate to a manager to see if they could refund the remaining XXXX in bank fees and close the account. I logged into the account the next day to find out that the balance was at {$0.00}, so I assumed they waived the fees and closed the account as I had requested. It wasnt until XXXX of XXXX I received notification that the account had actually been charged off and charged an additional XXXX charge off fee for a total of {$130.00} being sent to collections. Called customer service to figure out how when I had closed the account, they told me to go to the branch. The branch then told me they couldnt do anything and would not give me statements until I demanded that was illegal. They then told me that I would never be able to open an account ever again at any other bank and would never be able to use checks because theyd automatically be blocked at any other bank ever again, having worked in fraud for another bank, I know this is untrue and is illegal debt collection practice. I was given misleading information, and the branch gave me false promises and failed to inform me that the account was going to be charged off on the next business day when I went in for the deposit. This bank is using illegal sales practices and is misleading customers and committing theft with unclear practices and fee structures and failed to communicate with me the status of my accounts when requested :
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation (GA)

My name is XXXX XXXX I have been with SWBC for over 5 years. I have always used SWBC budget drafting and never had an issue until now. In XX/XX/XXXX, I refinanced my property at XXXX XXXX XXXX XXXX XXXX, GA XXXX and set up bi-weekly payments ( via automatic payments ) with SWBC in XX/XX/XXXX. 

Recently, I received a notice that I have a past due amount of {$2200.00} ( which is for the total month of XXXX. ) After speaking with XXXX customer service agents, they can not explain why the budget drafting did not occur. However, everyone sees my payment in XX/XX/XXXX of {$2200.00} which was required to establish the auto-draft to meet the XXXX month payment ahead requirement. 

Since SWBC did not set-up my budget drafting, I now owe {$6700.00} ( this includes XXXX and XXXX payment plus another {$2200.00} to reset auto drafting. ) Because the organization made an error with setting-up the auto-draft, I should not have to pay another {$2200.00} ( to be one month ahead ). I understand I need to pay XXXX and XXXX payments. I asked to make a payment arrangement via auto -draft so that I can pay for XXXX and XXXX. Additionally, I need my auto-draft to start this Friday ( XX/XX/XXXX ). 

I informed the company that I was sending an official complaint to the consumer financial protection bureau. 

I appreciate your attention to the matter and look forward to hearing from you. 

XXXX XXXX XXXX
Consumer complaint received 2019-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I don't recognize the following inquiry XXXX XXXX Inquiry from XXXX XXXX, 2018. Please investigate and ensure there is no fraudulent activity.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting 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. (FL)

This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Monex Inc. (IL)

My name is XXXX XXXX and I am the business owner of XXXX XXXX  XXXX XXXX XXXX, a small business located near XXXXXXXX XXXX. We have been a customer of a company called Monex/Tempus since XXXX. Their website is XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, Monex/Tempus wired {$34000.00} out of our business checking account. This was followed by another transfer on XX/XX/XXXX for {$43000.00}. These were fraudulent transfers as they were not authorized by me. 

The events started on XX/XX/XXXX, when a fraudster accessed my XXXX XXXX account and sent an email to our contact at Monex. The fraudster requested for Monex to change our vendor beneficiarys bank information and to wire XXXX XXXX to this new beneficiary account. On XX/XX/XXXX, the fraudster sent another email to Monex requesting another wire transfer to another vendor in the amount of XXXX XXXX. Monex then replied to the fraudster and stated that Monex needed to confirm beneficiary account changes over the phone. The Monex rep then asked the fraudster if he was available to speak. The fraudster replied that he would call the Monex rep back during his work breaktime. Monex then sent another email to the fraudster shortly after stating that Monex was trying to call him to verify the beneficiary change but that no one was answering the phone. The Monex rep then asked the fraudster to call him back. This was a big oversight on the part of the Monex rep. He should have never requested the fraudster to call him. Monex should have called me on my office or cell phone to make sure I was the one who requested the transfer. Instead, the Monex rep allowed the fraudster to call him back. The Monex rep then assumed it was me and completed the transactions. 

My bank was able to retract the second {$43000.00} wire because I called them within a 24 hour period. However, the other unauthorized wire of {$34000.00} has not been returned to my account. Monex is offering to return to me only {$10000.00} out of the {$34000.00}. This is unacceptable to me as this transaction was never authorized by me and Monex is responsible for sending the wire. It seems very obvious to me that this loss could have easily been prevented by Monex if they had taken the proper steps to verify the identity of the caller. 

I am writing to ask for your assistance with helping me recover from Monex the {$34000.00} that was taken from XXXXXXXX XXXX XXXX XXXX  business checking account. I believe returning the funds to my account is the right and fair thing to do. I would sincerely appreciate any assistance you can offer me. 

Thanks, XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I had a store card with XXXX XXXX XXXX XXXX I was doing payments on time till I lost my job but the only balance left over was XXXX dollars so I thought if I paid it off it will close the account. Years later I was told in 2020 that it was sold to XXXX XXXX XXXX. XXXX never showed up in my report or even got update at all for XXXX XXXX that it was sold to them. In 2020 I paid off the balance over to XXXX XXXX  which their policy was they delete the whole account if they are report to the credit company but it never did and now Im not able to delete this account because it wasnt rightfully updated like it shouldve and still shows that I never paid it off. This is really hurting me because its considered a charged off and I have sent the credit companys proof of everything, the store company and lender they sold it too how I paid everything off and should be deleted but the credit company are not bulging at all
Consumer complaint received 2022-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

On XX/XX/XXXX I was the victim of a Zelle scam. A thousand dollars was stolen from my bank account without my authorization and my bank XXXX XXXX won't help me at all to refund my money. I did point out the XXXX law The Electronic Transfer Act but they completely ignored me. I feel extremely violated by everyone especially my bank that was supposed to protect my funds.
Consumer complaint received 2017-09-06
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On or around XXXX XXXX XXXX I reported to USAA that two of the three cards in my name through them were opened fraudulently that it was in fact not I who applied for them. Also at that time I informed them that the one that I had in fact applied for was also being fraudulently used. That I knew who it was, that it was a person I was previously in an a XXXX XXXX and XXXX relationship with. I kept in contact with USAA and spoke with them several times between the time I made my report in the beginning of XXXX, until the XXXX of XXXX where they informed me that my case was denied and I was deemed liable. Their reasoning being that they could n't see any fraudulent activity do to that all the cards were being used locally and at the same locations, which I told them would make since do to the fact that it was a person I was living with doing it. I offered USAA a copy of the police report which contained the name of the person I was informing them it was, the person I was living with at the time of the fraudulent activity and they did n't find that information to be pertinent. At this point they except me to pay all charges both justified and fraudulent.
Consumer complaint received 2022-02-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (CA)

The loan was/is for a XXXX  XXXXXXXX XXXX XXXX The loan was a 72 month term paid via automatic withdrawals from checking account. The problems are with the last payment. 

Problem # 1. The last payment was not taken automatically as the first 71 payments were.

The payment was less then a full payment but not taken out. I called to inquire as to why this happened and was told this was " company policy '' as the amount was less then the full payment. This was never communicated to me in any way and I was forced to call a toll free automatic time waster to resolve and make a manual payment. 


Problem # 2 After wasting time on the phone I had to make a payment online that was a manual electronic payment. I have a confirmation number. Now the company is refusing to send the title for 20 business days after the loan is paid in full. The finial amount due and payment are the same. The customer service rep was on the phone with me while I entered the exact payment amount required to pay off loan. The fact the loan is paid in full is not in dispute. What is in dispute is they are refusing to immediately send the title, stating the " company policy '' requires 20 business days to release title plus mailing time. It is my understanding that California law required the title to be immediately handed over to the customer upon full payment. While I accept a few days delay 20 days is excessive. Again the fact the loan is paid in full is not in debate. 

The XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (WI)

CFPB CASE XXXX XXXX  CASE XXXX Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Wi XXXX Date of Birth : XX/XX/XXXX SSN # : XXXX Wells Fargo XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX : XXXX XX/XX/XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX CARD SERVICES XXXX Once again ; This is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes Truly, XXXX XXXX
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

The mortgage company ( MrCooper ) failed to pay ( posted the payment late on a Friday for a policy expiring Sunday at XXXX AM, and it did not make it in time ) the XXXX XXXX in time and the policy elapsed. I had to jump in and pay to prevent the policy cancellation. I contacted MrCooper a week ago asking them to correct the amount and brought to their attention the insurance payment due date. I acknowledged the reception of my email. 

MrCooper purchased the loan from XXXX XXXX  last year and thay assure that all the information is updated and there no specific action from my side. Today I came to know that the Insurance company still has the old Mortgage company information. There is a serious flaw in this whole process.