davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My XXXX XXXX balance is not correct nor is it up to date. I have been trying to pay my home off early and get out of having to do business with XXXX  because of their bad business practices. I have paid my mortgage for the following months XXXX, XXXX, XXXX, XXXX and an additional {$5000.00} towards principle however they are only reporting up until XXXX. So I am going directly to each credit bureau again with documentation showing the correct mortgage balance and months paid up. I will continue filing disputes until the mortgage data is corrected.
Consumer complaint received 2019-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

My husband and I do all our banking with Wells Fargo Bank ( usually at store # XXXX ). We opened up XXXX different savings accounts, XXXX checking account, and a Platinum Debit Card attached only to our checking account. However, XX/XX/2015 a Wells Fargo employee opened up an unauthorized ATM card in my name ( XXXX XXXX ), and later in XX/XX/2015 another unauthorized ATM card was opened up in my husbands name ( XXXX XXXX XXXX ). Both ATM card accounts were linked to all of our savings and checking accounts without our knowledge or consent. These unauthorized ATM cards were never mailed to us, no notification was ever given, and until just recently we had no knowledge that they existed. We only found out because last month Wells Fargo mailed us renewal ATM cards and we were surprised to receive renewal cards for original cards we never knew existed. We contacted the bank and expressed our concern and complaints, and they did their best to answer our questions, but they could not explain why these accounts were opened. They only suggested the possibility that an employee opened them perhaps to meet some quota, considering at that time in 2015 Wells Fargo had a known issue with fake accounts opened in customer names. After inquiring with the bank and researching we noted the names of the employees who we met and spoke with regularly regarding our savings, checking, and debit card accounts : XXXX XXXX ( officer # XXXX ) and XXXX XXXX ( officer # XXXX ). When we went to discuss these matters with the bank we spoke with XXXX XXXX XXXX, and later on the phone with the manager XXXX XXXX. They could not answer our questions and referred us to a special branch of the bank which deals with matters such as ours ( Resolution Team ). The Resolution Team had a representative named XXXX contact us ( reference # XXXX ), and he has been trying to resolve the matter but as of yet there is no explanation as to how or why these ATM card accounts ( linked to all of our savings and checking accounts ) were opened in our name without our knowledge or consent. They mentioned the possibility of small monetary compensation for our troubles, but this is not sufficient for us. We are very concerned about our finances. This is our life savings and we need to know that our money is safe and that bank employees are not opening up accounts without our knowledge. We find this matter to be a grave injustice concerning customers at Wells Fargo, and we worry that this might happen again.
Consumer complaint received 2022-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rozlin Financial Group, Inc. (NC)

XXXX XXXX I was contacted by RFGI Collections stating that i owed XXXX dollars for rent when I lived with XXXXXXXX XXXX XXXX in XXXX Florida for the month of XX/XX/XXXX. I sent them bank statements XXXX  XXXX showing that I paid my rent on time and for the full amount. 

I called to follow up with them XX/XX/XXXX to see if that was sufficient enough and they said it doesnt matter you still owe the money even though I had paid my rent in full for a year on time and in full that i still owe this money.
Consumer complaint received 2022-05-04
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. (CA)

in accordance with the fair credit reporting act XXXX XXXX XXXX ACCOUNT # XXXX have 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 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I applied for a home loan modification and was denied. In XXXX I was going through a divorce.. That same year I was diagnosed with XXXX. The XXXX treatment ended up causing a XXXX XXXX. Between not being able to XXXX   and the the XXXX treatment I was unable to work for years and was unable to pay my mortgage. 

I am now fine and have been working since the end of XXXX. My income is enough to pay my mortgage payments. 

My request for mortgage assistance was to defer my payments. I just wanted to make good on the payments but just push them to the back of the loan. I wasn't requesting a payment reduction but was still denied.
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MS)

My husband and I tried to purchase this home but was told we needed a co-signer to get a better interest for the home or pay a larger down payment. My mother in law had perfect credit not one blemish. They put the mobile home in her name and me as the co-signer. It suppose to been for one year. They wouldnt take it out of her name after the first year and learning later that we were charged the highest interest rate. We have had ups and downs with payments through life, health and other endeavors. We owe just as much now on the mobile as the beginning over 18 years ago which is contributed to that misleading interest rate on a perfect credit score. We also found out that the insurance over the years were financed in with the note resulting in this high payoff. Our account number as always been the same for the last 18 years. We received this letter with the change of account number as well as a different way to start paying the insurance separately. If this was done in the beginning .... 
with paying the insurance separate, our payoff would be different and it would have dismissed all of that interest. I received an email about an inquiry that I suppose to submitted on some concern or matter but I havent submitted anything to Ditech about a concern. Here is our original contract, a copy of our new account number and insurance payment options and the email suggesting that I inquired about something.
Consumer complaint received 2019-02-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC (CA)

my complaint is against XXXX XXXX, paid off amount. This loan was made by phone, my conversation with the person was- I requested a loan for the amount of {$5000.00}, ( see attach ), they toll me that the financial charges were going to be {$2500.00}, and the payments were going to be {$560.00} per months. I paid this amount for the XX/XX/2018 year, ( see attach ). 
This year I call XXXX to get the paid off amount, and over the phone, they tool me that " I have another 76 payments for the total of {>= $1,000,000}. How can a {$5000.00} loan became {>= $1,000,000}? This is a ripoff. Also over the phone, the person, toll me that if I want to pay the loan off, it was going to be another {$8000.00} to pay the loan or another 76 payments of {$56000.00}. The annual percentage rate is 132,48 %, which I did not know about. Also, the promissory note they send me was not signed, ( see Attach )
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After a Dispute with trans Union they applied an extended fraud alert without my consent and listed my phone number incorrectly. The last for of my phone number was listed incorrect my number is ( XXXX ) XXXX transUnion had my number as ( XXXX ) XXXX. Causing massive issues. I applied for an account with XXXX credit card and received a letter listed below with reference number XXXX, that stated they were unable to verify me, and gave me a number to call. I called XXXXXXXX XXXX XXXX XXXX  at XXXX and spoke with XXXX an account manager for XXXX XXXX XXXX XXXX, and I explained the situation and let her know I had transUnion correct their mistake and asked her for a reconsideration. XXXX told me that she could not offer me a reconsideration and that I would have to apply all over again receiving another inquiry.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (FL)

On XX/XX/2017 I ended a contract as a " booking agent '' for a moving company. As the booking agent I purchased leads on people moving from several online lead generators. When my contract ended, so did my need and authorization to purchase leads. I noticed in late XXXX or XXXX that I had been charged over {$20000.00} on my companies business Ink card from the vendors I used to use to purchase leads for but no longer was. I have attempted to resolve this with chase for the past 18 months and with the merchants themselves but at this point no one is willing to do anything. They do not have any documentation to support that the charges were made by me, because they were not. It has been a nightmare and now Chase is reporting the late payment on the Ink card to my personal credit. Also, the company I was contracted by is being sued by the state of Florida for deceptive business practices.
Consumer complaint received 2019-02-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I received a call from my phone company XXXX XXXX XXXX this afternoon saying that my phone bill was not pay and i made a payment over a month ago and didnt receive anything from the back that it was declined now Im being charged double with an overdraft
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I recently paid off my XXXX  account, I found they have reported a delinquent payment on this closed account to the three credit buearus. I have never been delinquent on this account.
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to r=the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$3100.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX XXXXBalance : {$0.00} XXXX  3445466289PA0****Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX / XXXX XXXXBalance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

Almost 3 months ago I received an ACH deposit in my church ministry account trust on behalf of someone that the trust works with. Three weeks ago bbvA free freezes my account and tells me that I have to the account. This trust account is a private 508c1a that is a trust account that there legal department approved to form before it was opened. They froze it and claimed fraud. Then I was informed that they would take the freeze off if I brought in power of attorney papers. So Monday XX/XX/XXXX, I took in power of attorney papers. Then they asked me a lot of irrelevant questions regarding my personal affairs. Then the next thing was for a his social security number and dl info did that. Then yesterday was for a copy of it. Meanwhile I can not access my funds nor transact on my account. Please help me. This is so wrong.
Consumer complaint received 2019-11-19
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. (TN)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Experian Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 17 credit inquiries that I did not authorize.

I writing to dispute the following inquiries and asking for their removal from my credit report.

The inquires and their dates in question are below. 

XXXX XXXX XXXX XX/XX/2019 EXPERIAN XXXX XXXX  XX/XX/2019 XXXX CARD XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX  XXXX  XX/XX/2019 XXXX XX/XX/2019 XXXX CARD XX/XX/2019 XXXX  XXXX XXXX  XXXX  XX/XX/2019 EXPERIAN XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX  XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 FXXXX XXXX/XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XXXX  XX/XX/2019 XXXX  XXXX XXXX   XX/XX/2019 Also my ID, SSN Card, and Proof Of Address is attached to this letter. Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

This account includes no information, ive reached out to the collection agency on numerous occasions to have this information updated. Ive disputed this with Experian and the failed to provide proof or update the correct information on my credit report. Per FCRA if they can not verify or update this they need to delete it.
Consumer complaint received 2019-02-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I mailed my payment to Lakeview Loan Servicing on XX/XX/19 and as of XX/XX/19 my credit union ( XXXX XXXX XXXX XXXX ) stated the cashiers check had not been cashed. I started a " stop payment '' process with my credit union on XX/XX/19 and called Lakeview Loan Servicing again on the afternoon of XX/XX/19 and at that time the automated stated my payment was received on XX/XX/19. There are phone records of me requesting to speak with a someone who could explain why my payment was held from XX/XX/19 until XX/XX/19 ( which is the date all agents advised the payment posted to my account ) and the agent stated she would transfer me to customer service however I was transferred back into the automated system, on the second attempt I requested a supverisor and I was transferred to the survey line, on the third attempt I was transferred to another phone agent who had none of my account information. Finally, on the 4th attempt I was transferred to a supervisor who inquired about how the payment was made I did advise it was mailed and she started to explain about payment processing when paying via XXXX XXXX and mail and how that may cause a delay which meant she was not listening when I advised the payment was mailed however Lakeview 's automated system and the employees advised me the payment was received on XX/XX/19 no other source.
Consumer complaint received 2024-02-09
Product: Credit reporting 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)

I recently received a copy of my ( Experian and XXXX ) consumer report, and I noticed that it is reporting my experience with those companies. I repeatedly contacted XXXX and the have yet to delete these illegal reporting.
Consumer complaint received 2019-04-09
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. (AL)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  XXXX partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

experian and XXXX  both refused to freeze my credit. I complained to consumer financial protection bureau, they sent a complaint to the agencies for me. They said that there would be a response in about 8 days. Now they ( cfpb ) ( you ) have emailed me that the response will be 60 days. That's too long, The law says that these bureaus must freeze credit when asked, especially after recent security breeches. Now i wonder about the cfpb. Will you please send my complaint to XXXX and experian ( XXXX XXXX actually froze my credit, but the others refused to do so ). 

My email is XXXX XXXX
Consumer complaint received 2019-02-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ID)

The company has responded that it is still working on your issue. 
We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

You can log in to see the companys response at CFPBs secure website. You can also review the companys response by phone with someone. 

COMPLAINT ID XXXX When I contacted Wells Fargo on XX/XX/XXXX about this issue it stated I would be mailed the information to my home within two weeks. I have only been contacted by Wells Fargo about this issue via mail. There response that they can not contact me is not true. Now I got a letter pushing their response out until XX/XX/2019. If this bank can not look at its records and give the customer the information the bank has an internal issue with its documentation. In the mean time they are charging me interest on an incorrect loan balance. This is not acceptable. I have not been given the law suit information either.
Consumer complaint received 2019-02-12
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. (MD)

I received an updated credit report from XXXX stating that the bankruptcies has been verified and to contact the US Bankruptcy Court on XXXX XXXX. they also have listed XXXX Consumer center for the public records. I pulled a copy of my XXXX report and there are no bankruptcies showing. The US Bankruptcy court does not verify information with the credit bureaus. I need for Equifax to tell me who verified the information and to provide me with that information so that I can contact the creditor that verified it.
Consumer complaint received 2019-02-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Trans-Fast Remittance LLC (CA)

On XX/XX/2019 I sent a money transfer to a friend of mine in XXXX. I lived in XXXX XXXX for 4 years and I have friends there still so this was not a scam transaction. Then I got an email from XXXX that they wanted to receive a copy of my bank statement and since this is PII information in it, I cancelled the transaction because I did not want to expose my personal information to someone that I do not know. 

While my transaction was still under review, they deducted {$900.00} from my checking account. Since this was awaiting my bank statement, these funds should have never been taken out of my checking account. I can understand this if my transaction was legitimate and it was being processed but since it was on hold until completion of review, this, in my opinion, should have never been done. I am wanting these funds returned immediately.