davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

RE COMPLAINT # XXXX WF contacted me on Monday and today XX/XX/2018. Left a message calling for XXXX XXXX XXXX calling re modification request what was changed since last review.This is XXXX, call me at XXXX. 

I called this number twice and spent over 30 min in trying to reach XXXX as NO ONE knows who he is.The XXXX is the main number to WF with over 10 prompts as I have no dea where to go from here.Both messages refused to provide his contact info so I could reach him nor did anyone from WF attempt to assist me.

The first call I was told there a 2 cases as one is re MIP ins/and HUD discrepancy and other is from reentry dept. He transferred me and as soon as I was transferred I got the run around and no one knows who he is. 

This is an attempt to a '' DEAD END '' and to " buy time intentionally ''. WF has "  refused '' to assist me re my complaint. This is the type of games they play so I will just go away and how they continue to get away with treating me unfairly.Well Im not going away. How much time do I need to spend and am I required to run this person down by the name of XXXX? as apparently this was the attempt or he would have provided direct contact info ; so I dont have to be transferred from one dept to another. I have to verify my personal info repeatedly. Is this how a professional mortgage company do business? Is this the way customers should be treated? How do they continually get authority to treat customers like trash and brush them off is disturbing. 

I filed a complaint against HUD/as they will link me back to WF -complaint filed with the Dept of Justice and Attorney General as well.
Consumer complaint received 2022-07-12
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. (TX)

XXXX XXXX  violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX  has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX  has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and I didnt give them permission to do so.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MN)

Got a call from XXXX while I was in the shower, on XX/XX/2019. I returned the call and they INSIST on my credit card information. I didn't give it to them, but was SHOCKED when I finally found out that it was Citibank!!!! I don't and never have banked with them, my phone number has been on the national DO-NOT call list for year 's. 
Citibank has NO business calling people on the DO-NOT call list, on top of DEMANDING credit card information ... Customer service at Citibank was horrible, I gave up. I would like them reported for trying to scam people on the DO-NOT call list!! They are a financial institution, they have NO place phishing!!!!
Consumer complaint received 2018-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2018 I I tried to deposit {$1000.00} into my Wells Fargo checking account. I used a remote ATM. I counted the money three times before I attempted to deposit the cash. I'm 100 % positive of the amount I put in the machine. The machine scanned the money and said, " deposit {$780.00}, correct ''?. I didn't see any option for incorrect money so I hit cancel. 

When my cash came back half of it was folded, crinkled, and had to be pulled from the despensor. It also only gave me back the {$780.00} that it said I put in. Again, I'm 100 % sure of the {$1000.00} I put in the machine. I was shorted {$220.00}. 

I immediately called the bank to see what to do. The person on the phone instructed me to tell him what happened and he would file it as a " claim ''. He told me this type of thing happened and they would take care of it. He said they would send someone out and it would probably be taken care of the next day, up to 10 days. 

I called the back a couple of days later after not hearing anything back. She told me the claim was still " open '' and that I would recieve a letter within 10 days. 

The letter I recieved said I would recieve " XXXX '' dollars back because the machine scanned the {$780.00} dollars. 

I called and spoken to several representatives at Wells Fargo for several hours ( most of this time on hold ). They transfered me back and forth between a representative and " the exective office ''. Neither department could tell me anything other than they had no overage on the ATM machine count. They said their reports showed no " jams ''. The money I recieved from the ATM machine was clearly jammed. 

I've asked what methods they use to investigate this and nobody could tell me anything other than the case was closed and there was no overage. 

I'm extremely frustrated and feel that I have no safeguard with my money against the bank. I was shorted {$220.00} from Wells Fargo and feel helpless.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

In XX/XX/XXXX there was a change in banks that serviced an existing credit card. The new bank " Comenity Capital Bank '', sent me notice and a new credit card, but did not send me their initial invoice. I only found out that there was an outstanding amount when my card was denied at a vendor. Starting XX/XX/XXXX and continuing for several months, I called the Bank 's customer service three times. Each time, the representative told me that the late fees and interest were removed. But after each call, in a matter of weeks, the amounts plus additional interest were put back on the account. I also wrote letters to the bank 's CEO, XXXX XXXX notifying him of the issues and asked him to have someone remove the unwarranted charges and cancel my card. On XX/XX/XXXX I received a letter from Comenity stating the credit card was cancelled, but that the late fees and interest were still due. It appears that they are either unwilling or unable to correct their error.
Consumer complaint received 2022-07-12
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. (NJ)

I have called XXXX, Transunion, and XXXX to explain they have multiple inaccuracies on my credit report, and have for 3 years been sending letters, with barely little coming off my report as deletion. Within that, I havent been able to be approved for vehicle loans, home loans, even lines of equipment for my business because my personal credit is XXXX fico - being that NONE of the companies have reported correct information when given, or anything of such. Its been 3 years and now having more information, Im doing anything and everything I can do go to court with each of them in regards of getting my life back together.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (IL)

I have submitted my remittance coupon to the credit card company according to UCC 3-603, Tender of Payment, and they have refused it and have not returned the coupon to me either which would mean that the coupon was accepted by them and the debt is now XXXX and I should have access to use my credit card. This is discrimination toward me.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I hope this message finds you well. I am writing to express my deep frustration and concern regarding the ongoing presence of fraudulent items despite our repeated attempts to rectify this issue. As we enter the several attempts to address this matter, it is evident that more concerted efforts are necessary to effectively manage and remove these fraudulent activities from our systems.

Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued presence in our records.

I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or gaps that may be contributing to the persistence of these fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-11-15
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: SYNCHRONY FINANCIAL (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2017, 30 days late as of XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-07-12
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Take name down to just XXXX XXXX XXXX and Only active addresses are XXXX XXXX XXXX XXXX XXXXXXXX Texas, XXXX, XXXX XXXX XXXX, XXXX, Alabama, XXXX
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX XXXX XXXX have Tendered payments thereto XXXX XXXX on XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. 
On XX/XX/2019 I received five phone calls from an unknown Florida number. The calls were made every hour between XXXX XXXX.XXXX and XXXX XXXX.XXXX and one was made at XXXX XXXX   On XX/XX/2019 I received four calls from the same number, one every hour between XXXX XXXX.XXXX. and XXXX XXXXXXXXXXXX. and one at XXXX XXXX. It was not until the last phone called I received where a voicemail was left from XXXX and its card services. When I researched the number online I saw that it was a debt collection number from XXXX. Why is XXXX harassing me to collect a debt on a card that was paid in full on XX/XX/2019 for the amount of XXXX XXXX XXXX XXXX and XXXX dollars and XXXX XXXX cents? Furthermore, it has been [ 37 ] days since the debt was paid in full and it has yet to reflect on my credit report.
Consumer complaint received 2022-07-12
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (NC)

I have a bunch of hard inquiries on my credit report and the only one I did was the one from XXXX for my XXXX credit card. Ive sent them all letters to dispute them but some of them sent me letters saying that I did request credit for a new car.
Consumer complaint received 2021-10-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION (OK)

Debt collector called to collect {$540.00} from XX/XX/XXXX and said I was being sued for {$2800.00}. The problem is that Ive already paid this payday loan debt in XXXX ; paid in full.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (IL)

I have recently started a new business that requires complete confidentiality. I have made several purchases that my bank not only bounced but stole the monies that were in the account. 
Chase Bank XXXX XXXX XXXXXXXX These payments were made through a company called XXXX. 
XXXX is selling my private portfolio information and causing my account to overdraft. I thought that it was the first bank, but then when I made purchases for the business this week through another bank the behavior continued. I'm tired, have tried to resolve the conflict to no avail.
Consumer complaint received 2018-11-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Augusta Collection Agency, Inc. (GA)

In attempt to obtain information about a collection on my credit report on XXXX XXXX, 2018, the collection agency was very rude and failed to provide me with any information on the account. All of their information in the system was incorrect and they failed to provide me with information on the original debtor. Augusta Collection Agency in XXXX, GA is the name of the agency. The supervisor made rude and obnoxious comments about not wanting to pay my bills.
Consumer complaint received 2022-07-12
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-08-05
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: CURO Intermediate Holdings (CA)

I lost my walet and there was my social secury number my greencar my ID 2 debit car and some money That was happened in XX/XX/2016 but now i have 4 credit repor they stold me all my information and make lons and i have problems now
Consumer complaint received 2022-07-10
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. (FL)

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # s XXXX & XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX , EXPERIAN , AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX # XXXX XXXX and XXXX.
Consumer complaint received 2018-11-15
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: Bread Financial Holdings, Inc. (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.