davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P. (FL)

this was paid when I went to the emergency room.this debt is old besides.they never billed insurance .then chared me XXXX at the emergency room.said that this would be paid in full in case insurance did not cover this.gave them a check asked them to not put it through til Monday.they did .a and they over drew my account.but was still apid and the bank charged me XXXX.this account was not opened in 2019.it was more like 8 or 9 years ago. I llived at XXXX XXXX XXXX XXXX.and we have lived here for 5 years. in fact I have had a P>O> box   for 7 years.i do not understand why XXXX XXXX does not question this.plus I sent to XXXX and got my free credit report and this is no where on this.and I have been in phine contact with them for a freeze on my credit report.there is also a wrong address that they recently took off my report.i have more trouble with XXXX XXXX than any body else.i was told you are never accurate.
Consumer complaint received 2019-07-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have been attempting to work with Citizens Bank on my HELOC which I can no longer afford. The line is now in the repayment phase and I can not afford the payments. I have gone through their modification process for months and provided numerous documents and information on multiple occasions and they are only able to provide me with a rate reduction and are now requiring I escrow my taxes and insurance which will bring the payment to an even greater amount than I can afford AND was initially attempting to pay. I have requested a longer term up to 20 years so I am able to reduce my payments, but they are only able to extent to XXXX payments. I am struggling to keep my first mortgage and taxes current, student loans paid and I have also worked out payments with my credit card companies. I feel as though I am being forced into bankruptcy. I can not sell my home, I have no where to go and currently have a XXXX who is XXXX XXXX  and struggling with medical issues.
Consumer complaint received 2019-07-25
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)

The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Equifax violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX XXXX XXXX
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (OH)

This is in continuation of complaints XXXX, XXXX and XXXX. By now, I very well know that I wont get a single penny back from you guys but I wont let you guys off the hook easily. Reason being you guys are so manipulative since the start of the loan process and even now after 3 complaints, you guys are still doing what you are best at i.e., to manipulate the numbers. 

I am not XXXX, the first time you explained the tax credits I got it at that time only and never asked any questions regarding that. And now when you told me that {$500.00} was adjusted against the initial deposit, I wont ask a question on that also. But that {$1000.00} amount which you are telling me is the estimated lenders title policy adjustment credit that is nothing but a blatant lie. In the attached initial estimate, there was no such amount mentioned then how did you come up with that number. There is one amount of owners title policy of {$620.00} but the credit of that is already applied in the estimate which is not a part of adjustments and credits. 

I am saying it again that I know it very well that I wont get a single penny back from you guys because you guys are only interested in coming up with a new story everytime and repeating the same things again and again. If you would have read my complaint every time, you would have not explained the tax credit everytime as I never asked that question except the first complaint. This lenders title policy adjustment was never mentioned in the first 2 complaints and now you floated this term in 3rd complaint. So all I want to know now is what was the calculation logic behind that {$1000.00} amount.
Consumer complaint received 2019-07-25
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: WELLS FARGO & COMPANY (NY)

To whom this may concern. 

I have opened an account by Wells Fargo, and I am very unhappy. Please see below for the issues that I am having with them : When I applied for a business secured credit card, I was told that it has an automatic system that will upgrade to a unsecured credit card after 6 months, by making a review on my account. I have my secured credit card for almost a year, and I was never upgraded. In the meantime I was approved for a other business credit card. When I was researching how there policy works I found on XXXX XXXX that almost no-one was upgraded from a secured to an unsecured credit card. I know that I have a good score, I was approved for several unsecured credit cards without any issues, and I pay my bills in time, therefore I cant see any reason why I shouldn't get my unsecured credit card by Wells Fargo. The only reason why I didn't get upgraded to an unsecured credit card is because this whole thing is a scam, it doesn't begin to be true. 

My wife by mistake made a purchase by XXXX XXXX XXXX, and I did not give permission, or even know about the purchase. XXXX XXXX XXXX does not have a return policy, so I went and disputed the charge by Wells Fargo, since I know that they are supposedly responsible for any charge that was done without any permission from the card holder, part of their policy is : " I have zero liability protection= that you are not responsible for any unauthorized transaction when you report them promptly ''. After a month of going back and forth with them with no customer service at all, they sent me a letter that it was declined, since the merchant showed that I did not follow the merchant cancellation policy, and I received the tickets. Yes i did receive the tickets, but it was never used since we couldn't even get any use out of those tickets, because it was ordered in error. I called them again and they told me that the only thing they can do is that I need to fill out a letter for declaration of claimant for fraud, but this was a purchase made in error, and it was a miss understanding, so claiming a letter about fraud won't help me because this wasn't a fraudulent charge. 

When I reviewed all the complaints on CFBP I saw that most complaints are on Wells Fargo, and there is a reason for that. They abuse, lie, and fool their customers in a way that all we can do is surrender. I am asking you to please look out, and see how many people are complaining about this bank. You are the only ones that can help us at this point.
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NJ)

I have always been in good standing with the company. I went to reopen my card and was denied saying it was because of my credit. At one point I was upgraded because of my payment history where I had been making my payments on time. I feel that I am being discriminated against especially since my account has been in good standing.
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America froze the funds in my account until the co-owner on my account called them to answer citizenship related questions ( over and over ).

We have had this account for 20 years. I realized the funds were frozen when I was on vacation and attempted to make a transfer to a child who was out of town, needed money, and it wouldn't go through.

After multiple frustrating attempts to understand what was going on and over an hour and 15 minutes on the phone, and after I was hung up on and lied to ( this information is required by federal
regulation- again weve had this account for 20 years so was not CIP related ). My husband had to call them back from a conference and answer 4 or 5 different citizenship questions before they would  allow access to our funds. 

This is discrimination at its best. They said they needed the information to establish a profile for monitoring. The only questions he was asked was name, address, source of income and 4 or 5 are you a us citizen are you a us resident do you reside in the  usquestions. They froze our funds for this! 

The best part was, after I had received NO notice of my account being restricted ( they said they mailed a letter to me but we definitely did not receive it- I did receive a strange email a week ago about transfer ability being removed and I called customer service spent a half hour on hold to be told by Bof A that they had no idea what it meant ), I asked about the checks I had written that probably bounced or achs that were blocked while my account was restricted ( without my knowledge ) and they said that wasn't their problem. 

I want to know what federal regulation requires us to answer citizenship questions and why a bank would block access to my funds without notifying me, again definitely not BSA or CIP related as weve been customers for 20 years and nothing has changed on our a count relationship. I dont use cash and we dont have a lot running through this account so not AML related in any way either. I want to know why it isn't a violation of federal regulation to block access to my funds for no reason, causing bounced checks and issues with my utility bills. And then forcing me to call and spend hours on hold to find out the issue was that they needed to know my husbands citizenship status and what country he was from. We have not ever been outside the US and I find this VERY offensive. I want reimbursement for my bounced checks and an apology for the embarrassment its caused me. 

Weve had this account for 20 years, never a single bounced check or any other issue on my part. I take my financial responsibilities very seriously, impeccable credit, impeccable deposit handling history and how we were treated was just plain wrong. Your compliance department needs some training. 

I wonder, if I had kept a higher balance in my account would I have been treated the same, subject to the same rudeness and citizenship questions?
Consumer complaint received 2019-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc. (CA)

This is the second time Pacific Credit Services and/or their client/affiliate sent false information to all 3 major credit bureaus, the information was then attached to my credit report saying i owe a amount of {$7400.00}, which caused negative remarks on my credit report which caused my credit score to lower drastically. I have never in no way been associated to Pacific Credit Services or their affiliates.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

NOTICE TO AGENT TIS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car pursuant to 15 usc 1681 ( a ) the banking system is depended upon fair and accurate reporting, furthermore you have infringed upon my right to privacy later stated within the congressional findings of the FCRA.

I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting inaccurate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payments, I demand deletion at once with these late payments reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from exercising my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding the numerous unsuccessful attempts to remove fraudulent items from my account with your institution. Despite multiple notifications and requests for assistance, I have encountered significant challenges and delays in resolving this critical issue, causing considerable distress and financial harm. 

I would like to highlight the following concerns regarding the handling of this matter : Inefficiency and Delay : Despite providing all necessary documentation and evidence of the fraudulent transactions, the process of removing these items from my account has been unduly prolonged, resulting in prolonged exposure to financial risk and uncertainty. 

Lack of Communication : Throughout this ordeal, there has been a glaring lack of communication from your institution, leaving me uninformed about the progress made in resolving the issue and exacerbating my anxiety and frustration. 

Failure to Take Prompt Action : The failure to take prompt and decisive action to address the fraudulent activity on my account reflects poorly on your institution 's commitment to safeguarding the interests of its customers and upholding the principles of integrity and security. 

Financial Consequences : The presence of fraudulent items on my account has had severe financial consequences, including unauthorized charges, overdraft fees, and potential damage to my credit score, which could have been mitigated with timely intervention from your end. 

In light of the above, I demand immediate action to rectify this situation and ensure the prompt removal of all fraudulent items from my account. Additionally, I expect compensation for any financial losses incurred as a result of the unauthorized transactions and the inconvenience caused by your institution 's failure to address this matter expediently. 

Furthermore, I urge you to conduct a thorough review of your fraud detection and prevention protocols to prevent similar incidents from occurring in the future and to enhance the security of your customers ' accounts. 

Please acknowledge receipt of this complaint and provide a timeline for resolving the issue. I expect regular updates on the progress made until the matter is satisfactorily resolved. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$6200.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX Balance : {$6200.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX : {$6200.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX  XXXX XX/XX/year> XXXX  XX/XX/year>.
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX .... Balance : - ; XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : {$410.00} ; XXXX XXXX XXXX .... Balance : {$450.00} ; XXXX XXXX XXXX .... Balance : {$1700.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/21 I mailed a letter to Transunion ( Certified with USPS tracking number of XXXX XXXX XXXX XXXX XXXX XXXX ) that was delivered to them on XX/XX/21 requesting that the ONLY employer on my report be my current one XXXX XXXX XXXX XXXX XXXX. I just received an alert TODAY, XX/XX/21 that they then broke the law according to the FCRA and added a FORMER job on my file ( XXXX ). They need to remove this ASAP as I have been a part of numerous data breaches and threats of identity theft. I also expressed this in my letter which will be attached along with the mailing proof and the proof that XXXX XXXX added XXXX to my report ( which shouldn't be ). Why do they feel as though they can do whatever they want? I NEED XXXX  REMOVED IMMEDIATELY AND I NEED ONLY THE ITEMS I LISTED IN MY LETTER TO THEM ON MY REPORT. I HAVE A LEGAL RIGHT TO DO SO.
Consumer complaint received 2019-07-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

I had previously sent small amounts of funds to friends in XXXX this past 30 days. I think four times.

Then about 10 days ago, i went to Western Union to do another wire transfer. Cancelled and I was blocked. Came back a couple of days still could not send funds international.

Tried XXXX this past week with same results. Tried XXXX XXXX this week could not send. 
Said I was blocked. 
DO not know who or why i would be blocked internationally. Not their authority to block sending funds to assist friends in a third world country. 
Have filed complaint with Western Union XXXX XXXX XXXX on XX/XX/2019. Sent requested additional info they requested on XX/XX/2019. Maximum I send is about {$500.00} USD.  Don't do this often. 

Filed complaint with XXXX XXXX on XX/XX/2019 under similar circumstances. Name was blocked trying to find out who or what government agency. 

I need your assistance. Who oversees International Wire Transfers in the US government. Is it CFPB?
Consumer complaint received 2019-07-24
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. (TN)

I mailed a written dispute by certified mail for a 30 days late payment to Transunion on XX/XX/19. The receipt shows it was delivered on XX/XX/19. I called Transunion today and was told they received the written dispute along with the supporting documentation but because I did not call to open a dispute then they could not process it. The rep gave me 2 options. I could open a dispute or I could call XXXX XXXX XXXX and ask them to call Transunion to delete the item. I asked why I needed to call to open the dispute when I had already mailed a written dispute. The rep continued to repeat my 2 options. I decided to simply proceed with opening the dispute but also follow up with this complaint as well.