davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Data Systems (AL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I pay my property taxes and and home insurance separately. So I dont have an escrow with the company and have been paying this for awhile. There was a 12 day lapse in insurance ( I guess the card didnt go through ). They added insurance and an escrow account without telling, calling me, or sending an email ( they send emails for everything for whatever reason ), they also didnt mention this until many months later whenever the payment amount increased. They eventually cancelled their insurance but wont take off the escrow because they claim its said in the closing documents ( Which this is after several phone calls and getting hung up on ) they said it was in the security deed but I dont see anywhere where it says That. Im tired of being told different things and will get an attorney involved,, just wanting to make a complaint
Consumer complaint received 2022-07-26
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. (VA)

On XXXX Transunion and XXXX received a package from XXXX XXXX consisting of a demand letter, a notarized affidavit, and exhibits attached ( see attached files ). Transunion XXXX XXXX continues to report inaccurate information on the consumers consumer report without disclosing the method of verification used to verify the inaccurate accounts. Transunion and XXXX is in violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ).
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (AL)

I saw a transaction through XXXX that I was not familiar with for the amount of {$150.00} First the agent stated that I've sent money to that person before. I told her I've never. Then she stated it was XXXX the XXXX. That was another lie. The transaction was due XX/XX/XXXX. I feel she purposely sabotaged my account unnecessarily. 
She proceeded to ask for my driver 's license number. I gave her the requested information. She was still not satisfied. I am the victim but was treated like the vlian. 
When asked my security question she laughed at my response. 
She was very unprofessional. 
I called navy federal for assistance and ended up having my account locked. Really for no reason.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NY)

Sears mastercard ... My credit card # XXXX XXXX XXXX XXXX ... ..Transaction Dispute..The merchant Has " '' Not Provide Any Product or Services '' '' This is Faulty Claim ... ON XX/XX/XXXX ..I, Order a Electric Bike through XXXXtotal amount $ 434.00..Merchand XXXX XXXX  '' ..order # XXXX XXXX ... BUT XXXX Notified IMMEDIATELY that the Merchand was not selling a Electric Bike ... But instead pieces of bikes ... ANd the order was canceled Immediately ... .Ihave never Reguested or Accepted the SErvices from XXXX ... without any permition XXXXXXXX enter on this process ... on XX/XX/XXXX the money Returnded ..BUT XXXX took the money..FOR.. the last 5 mounths I, have been disputing this fraud charges ... My card Sears Mastercard..On XX/XX/XXXX returned..ANd SEARS On XX/XX/XXXX Sented Me a Letter indicating that the MATTER Was RESOLVED ... BUT once Again XXXX, XXXXFAULTY.. issue a second Claim Fot the same Canceled product on XXXX BuT time XX/XX/XXXX that i, have order and Receipted the same BIKE From the same MErchant..THIS IS CORRUPTION, FRAUD,,, and ABUSE, ,of ht highest KIND ... SEARS Has NOT protected Me as a EXCELLENT card Holder ... HAS NOT Protected MY Rights..BY Accepting the SAME FAULTY CLAIM..I, am Holding SEARS and XXXX for VIOLATING MY SECTION 75 OF the CONSUMERS RIGHTS Credit Card ACT 1974 ... I, WANT this Situation Of ABUSE AND CORRUPTION to STOP IMMEDIALY, ,IT IS VERY DISTURBING THE HAVE SEARS MASTERCARD, ,Who Knows what And Excellent Card Member I AM..AND TREATED ME WITH ABUSE AND DISRESPECT OF THAT LEVER ... .RESPECTFULLY XXXX XXXX
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I contacted Experian about several unauthorized inquiries on my credit report. On XX/XX/2022, XXXX XXXX XXXX fraudulently obtained a credit report on me resulting in a fraudulent inquiry on my credit report. I also have a fraudulent inquiry, XXXX on XX/XX/2022 and XXXX XXXX XXXX on XX/XX/2022. I was told by each of those companies to contact Experian and file a fraudulent inquiry complaint. These inquiries are fraudulent and I want them removed
Consumer complaint received 2019-09-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Grant Mercantile Agency (CA)

To whom it may concern, I pulled my credit and noticed a collection with Grant Mercantile Agency. I called called Grant Mercantile Agency to inquire about the collection and was advised theyd delete it with payment. When I called back and paid the collection, I was advised they wont delete it and to add further insult to injury, I was then advised I had additonal collections with them that were not on my credit profile. Since I am working on a home loan, in my panic I paid the additional amounts. Keep in mind, I received no phone calls or contact via US Mail with regards to amounts owed. Due to that, I was not provided the full statutory period in which to dispute the validity of the debt ( s ) in question as I did not receive my initial notification regarding the debt per the FCRA guidelines. I would like the collection ( s ) removed from my credit due to erroneous, abusive collection practices as it is prohibiting me from moving forward with a home loan. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

After being loyal customers of Wells Fargo for over 30 years, on XX/XX/year> we received two letters from Wells Fargo informing my wife and I that our three accounts with them ( Checking, Savings and Premier Checking ) were being closed effective XX/XX/XXXX, XXXX letters said that Wells Fargo 's decision was final.

We were beyond shocked. We have never bounced a check and have nearly perfect FICO scores. Over the years we have had millions of dollars move through our accounts from paychecks, mortgages, etc. Never have we ever had one problem. 

We immediately called the number on the letter which was signed " XXXX XXXX XXXX '' : XXXX and received absolutely no reason or basis for the account closures from the agent answering the phone. We then asked to speak to a supervisor who parroted the same thing as the initial agent - " Wells Fargo reserves the right to terminate any account at any time- supposedly this was in documents we signed with Wells Fargo- for any reason without explanation ( interesting since our our original accounts were with a bank Wells Fargo purchased, so we never signed any documents with them ). The Wells Fargo agents said just like we could go into a Wells Fargo branch and close our accounts without any reason, they also could close our accounts without any reason. 

The letter says that Wells Fargo performs ongoing reviews of all accounts to manage its risks. As part of that our accounts were deemed suitable to close. Two of our children also had their accounts closed because I was listed on those accounts when they were children ( both are since grown and living on their own ).

It seems incredible to us that they can unilaterally and unequivocally demolish us with this action. We have our Social Security checks direct deposited and XXXX XXXX payments associated with those accounts. Worst yet, my wife is on a XXXX XXXX  list and needs highly expensive medications to manage her XXXX XXXX disease.The premiums for those drugs comes out of our Wells Fargo account The XXXX  and XXXX  this has caused us is incalculable. We spent the day scrambling to create a XXXX  XXXX XXXX account and reach out to all our direct depositors/auto payees to change our banking information. 

It is hard to believe that a company which constantly thanked us for our loyalty and being such good customers finds themselves dumped. We both feel violated with no recourse, thus our reaching out to you. At the very least we expected an explanation, but were offered nothing. Wells Fargo promised to have a " manager '' call us last evening or this morning, but thus far, as of XXXX XXXX  XXXX XXXX, no such call has ever materialized. 

Hopefully you can help us understand what happened.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (OR)

I had a loan with XXXX  and fell behind because of a family medical emergency. This hurt my credit score and CITI  Bank drastically decreased my limits on two cards I have had with them for years. I called and got an explanation and was also told that if i I resolved the issue with the negative account ( XXXX  ) that they could reinstate my limits. 

Once I resolved the negative account I called CITI to reinstate my limits per instruction from my previous call. Representative said she submitted the request and to call back in a week. After a week, I called to check the status and was told it was denied and they don't perform reinstatements and they could only request a higher limit. I explained my situation and that I have been a loyal CITI customer for years without an issue and it took hard work to earn that credit limit. I was transferred to manager and he still was unwilling to help and only replied with " I can't '' attitude. Representative was a customer service manager with no empathy and made made no recommendations to help me regain my limits. I felt unappreciated as a customer, lied to, and he was frankly very rude. I spend over {$10000.00} to close the account so that I could repair my relationship with CITI and this is how they treated me.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GREENSTATE CREDIT UNION (IA)

I have a credit card, home mortgage, checking, savings and personal loan all through the same bank. I have a plan to pay my credit card past due payment, but can not pay today. They set my account ATM limit to XXXX XXXX. I needed to withdraw {$450.00} from my checking account today. They refused to give me cash saying that I needed to pay the credit card payment in order to receive cash from the teller. They said I am welcome to use the ATM. I explained to them that the ATM limit of {$300.00} was not sufficient for what I needed to use the cash for. I needed {$450.00} and told them this and asked why my account was frozen. She replied " It's not frozen, we just can't give you cash. '' I said how is it not frozen if I can't access my own money and you tell me what I have to spend it on. She said again, " we just wont give cash until credit card payment was made. '' I was never informed that the credit card could link or effect my checking in any way.
Consumer complaint received 2022-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (OH)

XXXXXXXX XXXX mailed prescriptions which I did not request. When I received I called them and the representative confirmed I did not order. I asked if they wanted the items returned- they said no to keep them but I would not be charged. Now they sent the same issue to collections and reported to credit bureaus.
Consumer complaint received 2018-12-19
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: EQUIFAX, INC. (SC)

I have a couple hard inquires on my credit report that I have not inquired about and I am not sure who did. The first is labled " XXXX  & XXXX XXXX '' dating back to XX/XX/XXXX. The second is labled " XXXX '' dated XX/XX/XXXX. The last is labled " XXXX XXXX '' dated XX/XX/XXXX. I have no knowledge of any of these inquires and would like these removed from all of my credit reports.
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (NY)

Signed up for Frontier Airlines credit card. Missed a payment due to lack of receiving a monthly statement or even notification that a payment was due until the day it was due. Received notice that account was past due the day the payment was due. Paid total balance on that day. Barclays erased all my points because of a {$29.00} past due which they did not notify me about until it was too late. The card offered XXXX points after 90 days and {$500.00} in spending. I met both of those requirements and received the XXXX points plus all the other points I accumulated. When the payment was due but not received they wiped out all my points. They never sent me a statement.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

( 1 ). I was looking over my credit report recently and found a bankruptcy and am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. | *USBK COURT NORTHERN CALIFORNIA XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX, ( XXXX ) XXXX ( 2 ). This letter is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 
XXXX XXXX XXXX with account number XXXX _____ *See attached documents :
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Account XXXX showing XXXX, XXXX of XXXX  incorrect payment status Account XXXX showing XXXX of XXXX  incorrect payment status -Also failed to report XX/XX/2020 payment status on my consumer report. -These account has never been late or had ever been late with another XXXX XXXX in the past. -They also failed to notify me at least 21 days prior my due date. Under U.S Code 1666b, they must do so in written to notify, but had never did so. Also under 15 USC 1681i ( 2 ) ( A ) ( i ) My transactions and experiences ( such as late payments ) between myself and the lender are excluded and can not be used to construct a consumer report. " The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) ''
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Dear CFPB I need help regarding this inaccuracies on my credit report. I need to have this account corrected as soon as posible for it is hurting my credit.
Consumer complaint received 2021-06-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (TX)

In the beginning of COVID our mortgage company CMG FInancial reached out to us to offer assistance to defer our mortgage. We agreed to do that. Then when FHA allowed a program for putting the balance at the end of the mortgage loan. A Partial Claim Deed of Trust was signed by us for the amount of XXXX. We resumed making mortgage payments on XX/XX/2020. Even though we were highly discouraged from making them from customer service since they didn't have the signed documents back from the " investors '' of the deferral who was allowing us to do a Partial Claim Dee. We have made payments ever since. I spoke with a loan counselor in XXXX. She and I went over every payment I made which she could see on her end and I could verify through my bank account. She sent emails to her supervisors stating that there is an error. She also requested on my behalf a face to face meeting with CMG since it is an FHA loan. Today, XX/XX/XXXX there is no resolution and I just received my mortgage statement still requesting XXXX and stating that are past due in the amount of XXXX and we are 3 months past due. They are trying to apply current payments to supposedl late payments, but again we have been making payments since XX/XX/2020. I have called them every SINGLE month with them promising resolution and yet here we are. I don't know what else to do other than go outside of them and try to get this resolved.
Consumer complaint received 2018-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo owes me approximately {$XXXX}. It is not my fault that they hire inept employees who don't advise tcustomers what type of account they are opening. 

As I I stated in my XXXX complaint, since I wasn't advised I had a special account, I was almost evicted, had to pay court fees, had to get payday loans because XXXX refused to give me access to MY money, so I am out approximately {$XXXX}! 

What the XXXX does XXXX think {$220.00} is going to do? I want what is owed me. The {$200.00} is what was promised me if I open the account. 

Wells Fargo needs to pay me at least half of the money that I am out due to their asinine rules. 

If not, can I take XXXX to XXXX XXXX?
Consumer complaint received 2022-07-26
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. (NM)

In accordance to the Fair Credit Reporting act, these accounts have violated my rights XXXX XXXX information is inaccurate XXXX XXXX XXXXXXXX information is inaccurate XXXXXXXX XXXX XXXX information is inaccurate 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 an account without my written instructions
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was receiving unemployment Edd and was given an account through BofA. I wasnt aware that there is 2 different ways to sign in to the prepaid website by BofA. One is the app that was encouraged to use and the official website from a desk top. Both of these sights require a Member Id and password for the same account, you have to create different sign ins for 1 account. Anyways I could never sign in well after all was Done with Edd account someone told me to create a different login name and I would be able to see my account. Well thats when I was able to view my account completely, well there are a ton of charges I never did. I questioned a teller at my local BofA to explain to her what I was dealing with that there was tons of charges I didnt do. XXXX the employee of BofA informed me to go home look at and print out my account detail.. well I printed this information out and highlighted every charge that wasnt mine and contacted the bank. She told me they would look into it and let me know in the next week our so. It took 33 days before someone finally would address the issue and this was Verbally on the phone with me hounding them. They said it was deemed not to be foul play and that I waited to long to bring this to there attention and I wouldnt receive anything. Clearly I know where I spend my money and so know I just loose out on money that is rightfully mine.. I dont believe that they should have multiple ways to sign into one account that require different passwords for that same one account. Plus the app only goes back so far so if I looked at it and didnt see that there to be weird activity then why would I be alarmed but there was hanky activity that I just happened to miss when I signed in. All I want is for them atleast investigate and return the funds that are rightfully mine but nobody at BofA would help me with this. I would just like to have whats rightfully mine returned to me..