davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Macy's/Citibank , N.A . 
Account number : XXXX Age of account : 8 years and 3 months Attention : Macy 's or whom it may concern, I am writing about the above account and why is it still on my credit report after all these years and paid. I an requesting that Macy 's remove this negative, paid information from my credit report as an act of " goodwill '' because this account has been paid.This is hurting me, my life, my credit history and score. Truthfully, this is unfair because I paid what was asked and owed, but you don't care. So, I'm taking the initiative to write a review on Macy 's to corporate and let your collection practices and your business become exposed and damaged. It would help me immensely if you could make a goodwill adjustment to remove this from my credit report. Thanks and I hope my request is approved.
Consumer complaint received 2022-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

AmeriHome was the servicer of our refinance in XX/XX/2021, and they told us our payments would be $ XXXX for a 20 year mortgage. One year later, after getting billed $ XXXX, we got a notice of an escrow shortage of over {$2000.00}. ( Not because tax increase or insurance increase ) They had been billing us the wrong amount, and we never would have signed off on the contract if they had told us how much the payments should have been from the start! I believe they gave us a low number to get us to sign with them, but of course I do not know the name of the agent who helped us. Additionally, our mortgage has since been transferred to another servicer. ( XXXXXXXX XXXX XXXX
Consumer complaint received 2020-12-16
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. (IN)

This what you responded it was a canned response I am not using punctuation or sentences because you wont read it your canned response is attached
Consumer complaint received 2018-09-13
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. (LA)

Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Equifax is reporting negative information from XXXX XXXX XXXX XXXX, and XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
Consumer complaint received 2019-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/18 I mailed a {$40.00} check to my sister, XXXX XXXX which she never received. I did not put a stop payment on the check as she is my sister. On XX/XX/18 I noticed the check cleared my XXXX XXXX XXXX XXXX  checking account. I checked with XXXX XXXX and she had still not received the check. When I printed a copy of the check it was signed by XXXX XXXX, an individual unknown to XXXX XXXX or myself. On XX/XX/18 I filed a fraud dispute with my bank ( XXXX XXXX XXXX XXXX ) for a check that was false cashed by Bank of America. I was advised it could take up to 60 days and later told up to 120 days, I have been told repeatedly by XXXX XXXX XXXX XXXX that they are waiting on Bank of America to respond to their request. It has been over 6 months and no response.
Consumer complaint received 2019-04-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6 13 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-09-13
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: Glacier Bancorp Inc. (MT)

XXXX I went to the bank in question ( XXXX XXXX XXXX ) and noticed that my bank account funds which were in my account {$13.00} which I had in my account went to ( XXXX ) which I consider to be theft. I want criminal charges filed against the above bank because I did not take any money out of my account. I want the criminal bank charged with the criminal acts that they committed. I had social security funds in my account and some money I had earned {$29.00}. I consider this to be criminal!!
Consumer complaint received 2018-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AL)

I never attended one class at this school. They withdrew me from the school navient is stating that I owe them a balance. I have never attended this school and have stated this to navient. The school explained that if any funds were sent to them they were returned to sallie mae of which is not navient. This is harming my credit and very crooked. I have not attended the school therefore no services in regards to education was received. Please remove this from my credit reporting navient is acting in an illegal manner.
Consumer complaint received 2018-09-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (WI)

Today I received 6 phone calls throughout the day from various phone numbers all with a XXXX area code. I looked them up on XXXX and theyre all XXXX or XXXX voice numbers. I called 2 of the numbers back and they were both debt collectors from Halstead. They were very aggressive about trying to identifying me and denied calling me 6 times. The man on the first call hung up on me when I told him calling me more than 3 times per day is an fdcpa violation. On the second phone call I asked them to stop calling me and I did not identify myself on either call. The woman on the second call told me they keep calling me because I never answer.
Consumer complaint received 2016-11-28
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

I sold my car on XX/XX/2016. The dealership that bought it sent the buyoff to Wells Fargo Dealer Services and they show a payoff of the remaining balance of the loan on XX/XX/XXXX. On XX/XX/XXXX, I was charged another payment of {$500.00} for the loan automatically, despite the loan being paid off. I have been unable to reach anyone from Wells Fargo Dealer Services due to me not having an active loan with them anymore.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NE)

I am sending this letter to inform you that on XX/XX/XXXX at approximately XXXX I called XXXX ( XXXX ) XXXX to speak to the fraud claims department regarding my accounts. I was lead to believe this was to whom I was corresponding to for the entire duration of which began at XXXX, and ended at XXXX XXXX. During this time I spoke to two representatives, one male & one female, to which I fully disclosed all information requested, and in great detail. At least I did so as much as one can detail two transactions in a 178 minute time frame. I was not only told, but " assured '', " guaranteed '', " promised '', to list a few of the words used, that this claim # XXXX & # XXXX would be fully resolved upon calling the next morning. Infact, its documents. Evidenced by the following representative 's narrative. On XX/XX/XXXX at approximately XXXX I called+XXXX  ( XXXX ) XXXX pursuant to the instructions given to me. Upon calling twice more, I was given different information, with out any explanation that would vacate or contradicting the information given to myself the previous day from the same department. Infact, my questions regarding account activity, obtaining fully disclosed reports, ways in which my information has and is being used, and the reason for requiring the information asked, are still unanswered. This being despite my efforts. I have much enjoyed being a Wells Fargo customer since XXXX, having utilized Wells Fargo educational services. In regards to my most re cent experience, my privacy & involvement in how my private information is used is very important to me as well as how I feel I am being treated from the entity I have chosen to do business with. As such, I do not appreciate this deceptive manner of conducting business nor do I accept being manipulated in any fashion. This problem specifically concern the below departments : Fraud Claims Debit Claims Online Claims.

In addition my ledger and Statement is not accurately stating information. After multiple, multiple attempts to explain this, even with hard copies as proof, I am treated a 3rd class citizen.
Consumer complaint received 2020-07-31
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)

This complaint is about Equifax 's failure in their investigation to correct an error on our behave based on our consumer credit report of our XXXX Account ( mortgage account ). 
On XX/XX/2020, we submitted a credit dispute with Equifax based on their erroneous credit reporting that our XXXX Account was in : 1 ) Comments Section : ACCOUNT IN FORBEARANCE and 2 ) Terms Frequency Section : DEFERRED and 3 ) PAYMENT HISTORY for XXXX, XXXX, XX/XX/2020 PAYMENTS SHOW AS NO DATA AVAILABLE When in fact our XXXX ACCOUNT WAS NEVER IN FORBEARANCE and all payments were made to XXXX, including XXXX, XXXX and XX/XX/2020. 
On XX/XX/2020, Equifax completed their credit dispute investigation into our XXXX Account and has failed to correct their error. Their results still show that our XXXX Account is still Account in Forbearance. They have failed to remove the forbearance off from our XXXX Account. 
WE ARE DEMANDING THAT EQUIFAX CORRECT THEIR ERROR ON OUR CREDIT REPORTS BY REMOVING THE FOLLOWING OFF OUR XXXX ACCOUNT : 1 )  COMMENT AND CONTACT SECTION REMOVE ACCOUNT IN FORBEARANCE AND 2 )  TERMS FREQUENCY SECTION REMOVE DEFERRED AND 3 ) PAYMENT HISTORY SECTION - TO REPORT PAYMENTS MADE FOR XXXX, XXXX AND XX/XX/2020 BY REMOVING NO DATA AVAILABLE FOR THOSE MONTHS SINCE ALL PAYMENTS WERE MADE TO OUR XXXX ACCOUNT ON TIME AND OUR ACCOUNT WAS NEVER IN FORBEARANCE, THEREFORE, THEY MUST REPORT THESE PAYMENTS WERE MADE. 

Please see the following attached supporting documents : o Equifax Credit Dispute Results Dated XXXX for Both Borrowers x 2 o Equifax Credit Reports Dated XXXX and XXXX for Both Borrowers x 2 o Letter from XXXX Removed Forbearance - XXXX o XXXX Account Not In Forbearance - XXXX o XXXX Account Payment History Report - XXXX o Demand Letter to XXXX to Remove Forbearance XXXX o XXXX Acknowledgment Email - Cancel Forbearance - XXXX WE ARE CURRENTLY TRYING TO REFINANCE OUR VA HOME MORTGAGE WITH OTHER LENDERS AND ARE UNABLE TO DO SO BECAUSE OUR XXXX ACCOUNT IS ERRONEOUSLY IN FORBEARANCE.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Kohl 's read my complaint!!!! 

Purchases in XXXX!!!! 

Please provide the XXXX and XXXX statement!! 

I had to rebut the XXXX XXXX  of suits!!!! 
Please provide all of my orders with you for XXXX, XXXX and XXXX. 
Also the statements for the same days. 

The suite NEVER ARRIVED. I REORDERED AND REPAID!!! 

YOUR COMPLAINT I called immediately to notify them that only 1 items the {$49.00} had arrived. I had to place an order for another suit immediately. I was son the phone for hours. The credit for the 2 suits of, {$99.00} was never applied. It's been 3 months. Order # : XXXX Placed : Thursday, XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Multi Quantity : XXXX SKU # XXXX Item total : {$99.00} Expected Delivery XXXX XXXX XXXX - Mon. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Suit XXXX, Blue Quantity : XXXX SKU # XXXX Item total : {$49.00} Expected Delivery XXXX XXXX XXXX - Mon. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dot Print Quantity : XXXX SKU # XXXX Item total : {$99.00} Expected Delivery XXXX XXXX XXXX - Mon. XXXX XXXX XXXX
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

Us bank My police insurance at home cover it is for XXXX and usbank force me increase my cover insurance for amount due at home loans XXXX Because my home market value increase They added to my monthly payment they own insurance from my regular payment XXXX they increase toXXXX
Consumer complaint received 2022-03-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (FL)

Radius Global calls my phone number up to three times daily ; Monday through Saturday. I have answered the phone to tell them to stop calling, although I did not verify my information. The representative agreed to take my number off of the call list. They called the very next day. I do not know what debt they hold because when I ask them to tell me who they are and why they are calling, they say they have to verify my information first before they can reveal any information. I have call logs, but they do not leave voicemails.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names and addresses as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-07-31
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. (CA)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$900.00} XXXX XXXX {$460.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX XXXX XXXX {$140.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX {$900.00}
Consumer complaint received 2019-03-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Account Management Services, Inc. (CA)

I have been repeatedly contacted by a woman named XXXX since XX/XX/XXXX. This is a {$600.00} bill that I have already sent a check for inXX/XX/XXXX directly TO the company it was owed to. Im not sure why they never cashed it, I should have followed up, but was 6 months pregnant, working overnight, and taking care of my XXXX  year old during the day in between my XXXX XXXX shifts at the time. I received a call from XXXX, and played dumb about it. Never responded to another call again. She finally called this morning and I had just gotten my XXXX  month old back to sleep. I had been up since XXXX XXXX when I got home from work with both kids, and reached my breaking point. I called, told her my name, and said my account has already been sent to collections, there is no need for you to contact me further. XXXX went and left my father a SECOND voicemail. She called him TWO TIMES in a ROW from 2 different verified AMS numbers. This is harassment. I am XXXX years old, and do not rely on anyone for financial support other than myself. I am a single mother of XXXX children, and for her to call my father really makes me crazy. Its hostile, its harrassing, and its wasting his time while he is at work having to listen to a voicemail about nothing of his concern. 

The company this bill came from originally is called XXXX XXXX and XXXX in XXXX XXXX, CA, USA.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my fourth 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 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 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
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Adjustments Inc (TN)

At the end of XX/XX/XXXX, I paid my student loan debt with Credit Adjustments Inc ( a debt collector acting on behalf of US Dept of Education ). When I paid the debt, I was informed by the collection agency that I was being offered a " compromise '', which is essentially settling the debt for a smaller amount than actually owed. According to the collection agency, I was informed that any previously reported negative information on my credit report pertaining to this account would be deleted. This has not happened. I still show a total of 48 derogatory remarks on my credit report for US Dept of Education. 

In addition, the balance on my credit report is being falsely reported. The US Dept of Education updated my balance on my credit reports to show a balance of {$0.00} on XX/XX/XXXX. However, as of XX/XX/XXXX, they re-updated the credit report, which now shows a balance of {$1700.00}. The account was settled in full for {$1600.00}, therefore, it should show a {$0.00} balance. I have attached a copy of the letter that was sent to me from US Dept of Education stating that my balance is settled-in-full. Therefore, I am requesting this be changed immediately to reflect a {$0.00} balance. I have sent numerous letters to the US Dept of Education, as well as disputed directly with all three credit bureaus. This situation is still un-resolved.
Consumer complaint received 2018-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

Citi Bank currently offers Banking promotion which states " deposit XXXX within 30 days of account opening to get {$600.00} bonus ''. The promotion is done online only. Citi bank starts counting the days from the day you file the application online. Although the account gets approved in 3-4 days after application, the consumer CAN NOT LOG INTO account until they get a debit card which may take 2-3 weeks. Citibank requires a DEBIT CARD to be Handy to Activate the Account. Without a debit card, the consumer can not ACTIVATE THE ACCOUNT. Infact citibank will not even issue your account number without debit card activation. Hence the consumer is already at a narrow window and only gets 1 week time to deposit the money. In my case, Citibank never sent me a debit card or it got lost in the mail. They resend me the card and hence I already passed the deposit window. Because of this, Citibank states that I am not eligible for the bonus when in fact it was no fault of mine. Citi Bank failed to send me debit card without which I can not activate the account nor deposit money. Hence, it looks like it's a false marketing strategy to invite new customers and delay their deposits to make them ineligible for the bonus. Request for intervention. Name : XXXX XXXX Citi Account number : Citi Gold Checking XXXX Citi Gold Saving XXXX
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

DEFAMATION, SLANDER Despite their assertion I am not behind on payments ( though I was behind two payments ), after I requested mortgage assistance, Wells Fargo contacted a friend I have had for years to let her know I am a financial delinquent. They refuse to fix this slander. See attached email. Relationships are priceless. 
OWNER OCCUPIED Wells Fargo declined my request for assistance with my mortgage. While simultaneously acknowledging the situation ( we are in the process of rennovating ), Wells Fargo refuses to recognize the property as owner occupied. We have lived in the home for 10 years. Recorded phone conversation XX/XX/XXXX. 
SINGLE POINT OF CONTACT Wells Fargo, despite my desperate and several requests for a Single Point of Contact, sent me, over the course of a XX/XX/XXXX three hour phone conversation, from department to department, uselessly wasting my time. 
STRUGGLING TO MAKE PAYMENTS My family has suffered financial hardship related to an attack on my children resulting in three demonstrable felony convictions. Wells Fargo does not care, saying I am not delinquent, even though I was two months overdue on my payments, and am struggling hard.