davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$590.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

On XX/XX/2023 a letter was sent to XXXX, XXXX and Experian to remove inaccurate personal information and any errors from my credit report and it is now XX/XX/2023 which they have not removed anything the incorrect information is still currently on my credit report
Consumer complaint received 2019-01-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (FL)

For the last 60 calendar days, Discover Bank has held my money hostage by blocking my phone number. This has prevented me from closing my account since Wire Transfers require voice verification by their policy. 

The reason for my number being blocked is a malicious and vindictive response from Discover Bank executives due to my filing of a complaint with the XXXX XXXX XXXX for their customer service management team. 

I alerted the XXXX CFPB, and CFPB Ombudsman and none of them addressed the concern. The CFPB Ombudsman never even answered the phone since his service always goes to voice message. 

I am alerting you of this issue and I need immediate resolution so I may begin to transition my active accounts out of Discover Bank 's system this month and ensure no impact on my credit score, accounts payable, and accounts receivable ... since it is the malicious intent of Discover Bank executive office to harm all of these. Again, I alerted the XXXX, CFPB, and CFPB Ombudsman of all of these concerns and they allowed Discover Bank to issue canned responses with NO reference to the clearly stated complaint. 

I need you to interfere and instruct Discover Bank to allow me to transition my funds out by wire transfers within the next 2 months to ensure no impact on my credit score,  accounts payable, and accounts receivable. I have no way to contact Discover Bank by phone which is the only way to wire transfer my funds.
Consumer complaint received 2023-03-17
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I deposited a {$20000.00} cashiers check into my Bank of America Business Checking Account. 

I was told by customer service over the phone the funds would not be available until Wednesday XX/XX/XXXX, due to the XXXX holiday. 

When I made the deposit a hold was placed until XX/XX/2019. I immediately called back and was told that date was selected because I deposited via an ATM but the check would be verified on Monday and Released on Wednesday. 

I called on Monday to verify this information and was told the cashiers check could not be authenticated and the hold would remain until the cashiers check could be verified. 

I called again on Wednesday when the funds not the release date were updated and was told that the hold would not be lifted at all but transactions will be honored after the XXXX. I called chase ( the issuing bank ) and was On Thursday my regularly scheduled payments were returned NSF and fees were assessed. I called XXXX to verify process of the cashiers check and was told that it was paid on Monday, XX/XX/XXXX. 

When I called BOA they told me the funds are not verifiable and the Cashiers Check indicates items might be returned. XXXX has verified the check and paid it. 

Which I explained. The call was then upgraded to Supervisor by the same os XXXX who stayed that the funds will not be released before XX/XX/2019 based on the fact that My Account was overdrafted and they were not going to get a verification they were going to wait for the actual funds to arrive. She also stated it can take 7-10 business days for the Federal Reserve to release funds Ive {$10000.00} so the release date might get pushed out again. 

To punish a business for being overdrafted ( especially when overdraft is less than {$500.00} ) and withhold funds seems excessive and illegal.
Consumer complaint received 2023-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I gave my debt card to the girl at the doctors office on XXXX. She stole my info and opened an online account in my name using all of my info with Wells Fargo, on XXXX. ( Wells Fargo is where my checking and savings accounts are. ) I have never used online banking. Then did a wire transfer of almost all of the money in my checking account, to a credit union, on XXXX. To do this they also ported my landline phone number to XXXX as a cell phone number, so that they could receive the code numbers to do the money transfer. I did not have my landline until today. One month of fighting with XXXX XXXX XXXX and I finally had to report them to the XXXX  to get the job done. Wells Fargo does not want to return any of my money. I have made XXXX phone calls to the fraud dept. and they will not do anything to help me. All of the proof that I have is a letter from the bank basically saying they are not returning my money and a phone bill stating that I received credit for the phone service.
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (MS)

I have attempted to resolve by phone and by mail XX/XX/2023, XX/XX/2023 to no avail. 

Per the Family Educational Rights and Privacy Act ( FERPA ) as a federally protected consumer, I am now revoking all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 20 U.S.C. 1232g ; 34 CFR Part 99.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I just had a terrible experience with Capital One regarding my XXXXXXXX XXXX card. Fortunately I record all calls as I am told Capital One do as well. I wasted 46 minutes on the phone only to be disconnected as the third agent I was speaking with was troubleshooting with me and filing a report so someone could get back to me. OF COURSE NOBODY IS CALLING ME BACK. 

I am supposed to have a credit on my account for {$270.00} from XXXX XXXX ''. IT DOES NOT SHOW ANYWHERE and I attempted to call up " customer service '' to rectify this issue. 

It does not show anywhere online, on my XXXX. Just in your mobile app that I happened to download. 

This is not going to work. I need to be able to have confidence that capital. one can display credits, charges, correctly etc. It's basic. 

How can I have confidence in capital one 's ability to charge me correctly if they can't display charges/credits online? 

Please advise. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-03
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. (TX)

XXXX XXXX XXXX is constantly reporting an account from a pay day lender by the name of XXXX XXXX XXXX, that I never opened, nor never applied for. It has been removed from my credit report 2 previous times. The first time it was removed from my XXXX report. The second time it was removed from my XXXX report. It is now being reported on my Transunion report and should be removed immediately as a fraudulent account, from information most likely obtained through and XXXX data breach earlier this year.
Consumer complaint received 2019-01-03
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: Nelnet, Inc. (NV)

I had 7 student loans that were initially serviced by Nelnet. These 7 accounts went into default and were transferred to collections. These accounts were supposed to be updated to show that they were Transferred to Another Office. Nelnet has  responded that they did indeed report the status as Transferred ... however XXXX  still has not corrected the STATUS. They added a comment to the Remarks section but XXXX   did not update the STATUS. 

Below are the Nelnet account reported incorrectly. I've already filed a complaint with Nelnet and they stated they reported the status as transferred and that the error is with XXXX. So XXXX needs to fix. 

Below are the Nelnet accounts with the incorrect current STATUS : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX My XXXX file number is XXXX
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

I am attaching the real Supreme Court ruling on the seizing of property that not only pertains to taxes and all the crap listed in the document, but it also applies to mortgage companies and real estate agents trying to do the same. It's just a different title. No difference from tax agency v mortgage co. this is at a point of investigation and the CFPB is required to report corruption and criminal activity and I'm requesting that NOW.
Consumer complaint received 2023-08-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (CA)

Made purchase online with XXXX for tires and sensors. Company not able to ship in time so called koalafi to cancel loan. If I dont take delivery in California they can not charge me for the items. They have taken several payments from me and Ive never had the items in my hand to have possession. Calls to agents are a waste/ I want a full refund or will sue.
Consumer complaint received 2019-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I toyed to purchase cloth for my XXXX XXXX  veteran dad, on XX/XX/XXXX after 5 minutes found out the merchant in XXXX so I called to cancel it I was told the purchase wasnt processed but I was charged {$160.00} so I called again but no responses I also send an email but no sign of my funds so I called city bank and disputed the transaction I was told the fund will be refund in my account within 7 days, I disputed It on XXXX XXXX so I called city bank on XX/XX/XXXX and I was hold for one hour and 11 minutes and the supervisor put on hold again and I think they hung up and now I dont know what to do, please help
Consumer complaint received 2019-01-03
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. (MI)

received credit report on XX/XX/2018 for XXXX XXXX XXXX XXXX XXXX XXXX, had a credit report of XXXX, but my last name was misspelled. as was my wife 's. My last name should be spelled as XXXX Reported as : Consumer Credit Score Source Date XXXX XXXX XXXX, XXXX Transunion XX/XX/2018 XXXX XXXX XXXX XXXX Transunion XX/XX/2018 Please make the following corrections : Change last name from XXXX to XXXX. Thanking you in advance.
Consumer complaint received 2021-03-05
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. (MI)

On XX/XX/2021 my Experian online account was hacked and the personal information was changed, I was locked out of my account. I called Experian and got my information changed back to my information and supposedly put a freeze on the account. My SS number was stolen and one of the accounts on my Experian credit report was contacted by this hacker. 

One week later, on XX/XX/2021, my Experian online account was hacked by the same person ( I know this because the email address used and all the information changed was the same as last week ) and I was once again locked out. I called Experian again and got control of my account by changing all the information for a second time. 

The Experian account, in my opinion, is being hacked into by someone related to Experian, or from within Experian. My password was a 20 digit randomized password and no one has access to this information. I fully expect to go through this again next week. I believe my SS number was stolen from the Experian account only after the account was accessed.
Consumer complaint received 2019-01-03
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: ZOA, LLC (TX)

XXXX XXXX XXXX is constantly reporting an account from a pay day lender by the name of XXXX XXXX XXXX, that I never opened, nor never applied for. It has been removed from my credit report 2 previous times. The first time it was removed from my XXXX report. The second time it was removed from my XXXX report. It is now being reported on my XXXX report and should be removed immediately as a fraudulent account, from information most likely obtained through and XXXX data breach earlier this year.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Experian Credit Report states : " You Have 5 New Late Payments. Your report shows 5 new late payments in the last 60 days. If any look unfamiliar, it could be a bank mistake or a sign of fraud, and you can dispute it. '' 1. XXXX XXXX XXXX XXXX Past Due Amount : {$22000.00} 2. XXXX XXXX XXXX  Past Due Amount : {$5100.00} 3. XXXX XXXX XXXX  Past Due Amount : {$4200.00} 4. XXXX XXXX XXXX  Past Due Amount : {$3400.00} 5. XXXX XXXX XXXX  Past Due Amount : {$2700.00} None of these accounts is past due as there is no monthly payment due to the creditor. Each of the listed accounts is disputed as fraudulent, and the creditor wrote each of these accounts off and issued Form 1099. The creditor has abandoned their claim and is not attempting to collect or prosecute a claim hold. I have provided the creditors my address and contact information should they wish to contact me, to no avail. It is improper for Experian to place a false statement on my credit report, to wit : " You Have 5 New Late Payments. Your report shows 5 new late payments in the last 60 days, '' when that is not the factual case.
Consumer complaint received 2018-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (IL)

I have 6 XXXX  backed credit cards ; XXXX acct ending XXXX, XXXX 's acct ending XXXX, XXXX acct ending XXXX, XXXX  XXXX XXXX   acct ending XXXX, XXXX XXXX acct ending XXXX and XXXX acct ending XXXX. I've had all 6 XXXX  backed credit cards for several years with an excellent payment history but, 5 out of 6 of my XXXX  backed credit cards credit limits were lowered/ and decreased without notice. I didn't have any past due payments on any of my credit cards with XXXX  and my credit file with XXXX, XXXX and XXXX  hasn't changed. I don't have negative payment history with any of my other credit obligations. I don't know why my credit limits were decreased. I have also been unable to obtain a credit limit increase with my XXXX backed credit cards while prior to the decrease I was always able to get an increase. The credit limit decreases from my XXXX backed credit cards has ruined my positive payment and overall credit history while my other credit obligations continue to reward and increase my credit limits. My credit took a big hit negatively after the lowered limits were reported. I would like more information regarding the reason for the decrease because I've never received notification of the decreases. I would also like a reconsideration of possibly restoring my credit limits on all my XXXX backed credit cards based on my excellent payment history and loyalty.
Consumer complaint received 2023-08-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On the date of XXXX XX/XX/2023, I filed a credit report dispute with Equifax concerning a collection entry attributed to XXXX XXXX on my credit report. Within my dispute submission, I furnished concrete legal evidence validating the full payment and settlement of the account in question. This submission substantiated that the collection attempt was not only unlawful in its pursuit of debt recovery, but also posed a detrimental threat to my credit history. 

Regrettably, the subsequent investigation by the credit reporting agency conspicuously dismissed the irrefutable documentation I presented as evidence. Instead, undue emphasis was placed solely upon a statement offered by the collection agency. This course of action undermines the legal protections outlined in state statutes, which are designed to safeguard consumers against unfair and illicit credit reporting practices. 

I am deeply concerned by this blatant disregard for the legal rights and protections afforded to me as a consumer. The actions of both the credit reporting agency and the collection agency deviate from the parameters set forth by state law, infringing upon the fundamental principles of equitable and transparent credit reporting. 

I am appealing to the Consumer Financial Protection Bureau to ensure that my rights are upheld, and that the appropriate corrective measures are taken to rectify this situation. It is my firm belief that through the enforcement of relevant state laws, my case will be given the legal consideration and confidence it rightly deserves.
Consumer complaint received 2018-08-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

WRONGFUL FORECLOSURE # XXXX they changed the number from # XXXX ( Which I believe was changed for non tracking purposes ) WELLS FARGO HAS BEEN UNDER SCRUNITY FOR SOME TIME NOW AND IT APPEARS THAT NO ONE IS LISTENING TO THE CONSUMERS. 

WELLS FARGO 'S LASTEST ADMITTANCE TO A GLITCH IN THE SOFTWARE ON THEIR COMPUTERS IS THE REASON THOUSANDS INCLUDING MY FAMILY HAVE LOST THEIR HOMES. 

I HAD OVER {$200000.00} WORTH OF EQUITY AND OWED $ XXXX LEFT ON PAYING A LOAN FOR APPROXIMATELY 20 YEARS. 

I SENT IN COMPLAINTS ABOUT THE PROCESS MULTIPLE TIMES AND NOW THEY ADMIT TO WHAT IM SURE THOUSANDS OR MILLIONS HAVE COMPLAINED ABOUT I WANT MY HOUSE BACK OR COMPENSATED FOR THE EQUITY LOST BY THIS MORTGAGE DEBACLE.

Below is another complaint attached.

Subject : Wrongful Foreclosure ( Loan apart of the ones with the Glitch ) that didnt get modified and eligible This is a request to review the process of how Wells Fargo Home Loans has intentionally request the same documents and placed the account on some type of restriction allowing the representatives working start the process over and over again at or

about 60-90 days.
My Loan was a block Urban Renewal program which should have had some type of protection attached. The town we purchased in was considered an urban renewal block not section but they designated a few blocks in the town to promote home ownership to rebuild the area. Which is now very much built up.

Our house had over {$200000.00} work of equity and the loan should have been modified per the Governments ruling in 2008 but was in the bulk of loans just reported that there was a Glitch in the system and none of the eligible loans were modified but steam-rolled straight to foreclosure.

Please respond with opening up a thorough investigation into our unfortunate situation. 

Thanking you in advance for you immediate attention to this XXXX XXXX. 


XXXX XXXX XXXX or XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (KY)

On XX/XX/2018 I submitted a letter to Diversified Consultants ( Creditor ) concerning an listing in my XXXX Credit Report. I asked them to submit Validation information on a debt they reported. I wanted to make sure they were authorized to collect the debt. On XX/XX/2018 I submitted a second letter requesting again information ( Provide verification that the collection agency is licensed to collect in my state and Provide their license numbers and registered agent ).
Consumer complaint received 2019-01-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (FL)

This store credit card was opened XX/XX/16 while I was a XXXX XXXX XXXX and I used it to do some car repairs. The balance owed is more than I ever agreed to and I dont agree all the charges are mine. I disputed this with the creditor and the debt collector multiple times but havent been helped and now their threatening me in court without verifying everything.