davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX I had difficulty applying for the XXXX Citibank credit card because their online system required a first and last name. After speaking with Citibank 's customer service team on the phone and getting nowhere, I spoke with XXXX 's customer service team who then called Citibank 's customer service team on my behalf to inquire how to assist me. The Citibank agent advised it would be best to split my name online and if approved, I could then request my name be corrected after I receive the card. 
XXXX XX/XX/XXXX, I sent a letter along with a copy of my Texas Driver 's License and a copy of my Social Security card to Citibank requesting my name be corrected to reflect what it is legally. 
I received a response from Citibank XXXX XX/XX/XXXX stating they were unable to process my name change request as I needed to provide a first name or first initial along with a last name. 
XXXX XX/XX/XXXX I wrote another letter and sent again a copy of my Texas Driver 's License and a copy of my Social Security Card along with a copy of their response dated XXXX XXXX. In this letter I advised I am providing proof of what my legal name is. There is no first initial nor first and last name. In addition, I highlighted what I was advised when speaking with Citibank 's customer service the day I was applying for the card, that my name on the credit card had to match what was reflected on the XXXX XXXX XXXX, and therefore, since my XXXX XXXX XXXX XXXX reflects my name correctly, I request Citibank do so as well. 
XXXX XX/XX/XXXX, I received a response from Citibank : 'Please be informed that changing the name on the account to a one word name is unacceptable '. 

What is unacceptable is a publicly traded company 's inability to accept a person having a mononym and accommodating said person 's request to have their name reflected legally correct on their form of payment supplied by said company.
Consumer complaint received 2024-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

On XX/XX/31, I received three denials for my application for " school misconduct '' loan discharge application. The only reason listed on the denial was I " Do not meet the requirements '' The denial fails to state what those requirements are. I submitted a large amount of proof that my school, XXXX XXXX, owned by XXXX XXXX XXXX XXXX had defrauded students, including but not limited to : several court cases filed by attorney generals, articles from reputable websites, The United States Senate XXXX and a stockholder memo drafted by the then XXXX admitted to the board that the " education '' being sold was lacking. My school was also listed under XXXX. XXXX XXXX. 

When I called Navient, it is impossible to speak to anyone in the depart that handles these applications. I called XXXX times, and only ever got to a voicemail. I work in health care, I'm not able to step away in order to answer a phone call IF they return it. But even more alarmingly, NO ONE at Navient, in any other department, could provide me with any information on the details of WHY I was denied ( other than the " does not meet requirements '' ). They would either forward me to the email, or flat out hang up on me. 

I was eventually told I could " write a letter and mail it '' as a form of appeal. 

This level of " customer service '' is absolutely abhorrent, shady, and makes it impossible for the working adult to navigate. I was able to call on my lunch break, after work, and during my brief break between patients -- and NO ONE could give me relevant information. This is both frustrating and alarming, there is absolutely no reason why Navient should be making obtaining information this impossible unless it doesn't actually want anyone to receive it.
Consumer complaint received 2018-11-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (IL)

Back in XXXX XXXX, I was contacted by a Law Firm Collection Agency ( XXXX XXXX XXXX ) regarding a XXXX   Account, with an assumed balance of {$1200.00} (??? ) and I stated to the Agency above, that " I do not owe, this amount of money to XXXX and willing to settle the debt for 70 % of the original amount owed.I know the original amount because I was trying to file Bankruptcy in XXXX, so I had the original balance in the paperwork and I explained this to the Representative. 

On XX/XX/XXXX, I received the attached letter for XXXX XXXX XXXX ( Attorney at Law ), with the attached credit application, just stating " this is an attempt to collect ''. I have been trying to work with this credit for a settlement of the original debt, but was told I need to agree to the {$1200.00} before they can agree to an settlement. I stated that this doesn't sound legal and asked that they return the debt to XXXX  and was told they can not do this. The attached letter is what I received and that is all, no other communication.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is a follow Complaint I am submitting to request to you once again that you investigate the erroneous accounts I found you are reporting on my Credit File. I am writing to dispute the accuracy of some of the information on my credit report, which I received from your bureau. I recently reviewed my credit report from other credit bureaus and noticed that there are accounts on my credit report that are being reported erroneously. Specifically, the following accounts are showing discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} and XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00}. As per the Fair Credit Reporting Act, reporting of account information must be accurate, or the information must be updated. I ask that you review my account information and make the necessary corrections within the required timeframe.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

My business debit card from my Wells Fargo account was used as fraud. Wells Fargo contacted me to let me know of the first charge in my account which was {$1500.00}. They were able to credit back my account for this amount, but then there was an additional charge at the same merchant in the amount of {$1600.00} in a matter of 10 mins from the other charge. 
The Wells Fargo representative saw this, and immediately closed my debit card as they saw this as being fraud, and sent me a new card ( that I received 5 days later ) In the meantime I was patiently waiting for the {$1600.00} to also be credited back to my account, and when it wasnt I called back to find out what was going on, and they decided to file a new claim. They temporarily credited back my account {$1600.00} and a few days later I received a letter in the mail from Wells Fargo saying that this charge was not fraud, and the purchase was made by me or someone I know. The {$1600.00} provisional credit was then placed back on my account as a charge. 
After countless calls to the claims department as well as a visit to a local Branch to complain about this situation and ask for my money to be returned, Wells Fargo is claiming that the person who charged the card had the security chip which means it was not possible for it to be fraud and therefore the purchase had to be by me or someone I know. 
I have never let anyone borrow my card and I never made the purchase they are claiming I made. They will not refund my account, and they have not been able to help me. Their response is my hands are tied, XXXX cant help you and no one above me can help you either. 
They are blaming me for this and Im in complete shock that it was this easy for someone to steal that much money from my account and theres nothing that I can do about it. I feel like my money is unsafe being stored in a Wells Fargo account at this point, and I dont know what to do. Please help!
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: Experian Information Solutions Inc. (NJ)

XXXX had a massive data breach recently showing that companies have the potential to leak millions of customers information. Right now as part of their practices, Experian gathers clients FULL social security number through their telephone prompt. 

This is bad practice and this data is able to be recorded in such a manner that exposes everyone who uses their phone systems to have their social security number leaked. I notified the rep in the XXXX but they seemed to have no regard for the dangers of this matter. This is a ticking time bomb that WILL lead to a data breach as the dial patterns of clients are going to have less security than other parts of their data. Please convince Experian to change how they do business before all this data is leaked.
Consumer complaint received 2022-08-26
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Consumer Financial Protection Bureau, CFPB AND 3 Credit Bureaus ( Transunion, XXXX, and XXXX ) : THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON XXXX XXXX XXXX   ACCOUNT FOR ( MY XXXX ) XXXX XXXX XXXX XXXX  ( XXXX ) XXXX. I DO NOT OWE you, XXXX XXXX, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX, XXXXSATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY XXXX XXXX XXXX HAS TAKEN PLACE. 

IN ADDITION, XXXX XXXX XXXX, XXXX XXXX, IS NOT TO CONTACT ME EVER. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the 30th of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX, XXXX-Saturday ). 

THE ADVERSE INACCURATE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( TRANSUNION, XXXX, AND XXXX ) AND XXXX. TRANSUNION IS REPORTING A CREDIT SCORE OF XXXX. 

This correspondence is to officially affirm to CEASE AND DESIST with any further communication effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). XXXX XXXX XXXX YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} XXXX XXXX XXXX. 

Sincerely and Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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. (TN)

When I reviewed my credit report, I discovered that the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE (TX)

Highlands Mortgage Servicing department is refusing to remove escrow from my loan. Highlands uses misinformation and unethical delay tactics to continue to deny the removal of escrow from my loan XXXX. 

I have given them signed written and verbal instructions to remove escrow from my loan, yet they continue to deny the removal. 

Highlands even lied on CFPB complaint XXXX saying that my loan was transferred to another servicer when the loan I am asking about is serviced directly by highlands. 

I have had written correspondence with : XXXX XXXX XXXX XXXX XXXX XXXX I have also called XXXX XXXX about this matter as well. 

All correspondence goes nowhere - Highlands is needlessly delaying the removal of escrow from my loan.
Consumer complaint received 2022-04-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I noticed two hard inquiries that do not belong to me. I contacted all three credit bureaus and put an investigation, which resolved nothing. 

The hard inquiries in question are : XXXX XXXXXXXX XXXX XXXX I also tried to get it removed by contacting the actual companies who did this inquiries and was told to dispute it with my credit reporting bureaus.
Consumer complaint received 2021-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (TN)

Date XXXX A number called and said we were 30 days past due on our business account credit card. We had paid the card off and even got online to check and it said nothing due account all caught up. So we said we were gon na hang up and call the bank ourselves and verify. She then gave us a number for us to call us bank but apon doing a XXXX search the number took you to a page that no longer exists. We called the bank and they verified we owed no debt and said it was a scam. We called the number back and it said thank you for calling card member services. The numbers are XXXX & XXXX. Thanks
Consumer complaint received 2019-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (FL)

Well the first company that had my account was through XXXX now it's through the professional Bureau of Maryland. When they call, they call requesting the whole amount and telling me what I should pay instead of taking suggestions from me of what I can and and able to pay at the moment so then I get frustrated and that makes me not even want to make a payment to them because they're telling me what I should pay instead of taking what I'm able to give them. I have not made any payments as of yet I do want to make payments but I refuse to deal with them in making a payment, I would rather make the payments through the loan company themselves than dealing with these people.
Consumer complaint received 2023-03-25
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)

This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up to the previous Complaint I submitted requesting the removal of the fraudulent accounts and information off of my Credit File in accordance with the Fair Crediet Reporting Act section 605b. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I am requesting that you remove the following items off of my Credit file as soon as possible ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$1500.00} XXXX XX/XX/2022. These Items were the results of my identity being stolen. If you believe that these items belong to me, I required you to send me copies of proof of ownership or any documents you found during your investigation to support such claims.
Consumer complaint received 2019-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Credit Adjustments Inc (DC)

I received a letter dated XX/XX/18 from Credit Adjustments , Inc regarding defaulted student loan. This was a defaulted student loan to someone with my same first and last ( maiden ) name and it has been following me since the late XXXX though I keep disputing it - I am not the person they seek and I have not defaulted on any student loans. Most recently in XX/XX/2018 I was contacted by the Dept. of Education regarding this loan and as requested I sent them a copy of my social security card and passport to dispute the loan but just a few weeks later I get this letter from Credit Adjustments. About five years ago I was contacted by a different debt collector regarding this loan and after submitting a complaint to the CFPB they stopped contacting me. Debt collectors need to do a better job verifying the people they harass are the actual people they seek.
Consumer complaint received 2019-09-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: FC HoldCo LLC (GA)

I have contact Flagship Credit Acceptance numerous times over the past two year trying to get them to remove their account off of all three credit bureau 's. My car was totaled during hurricane IRMA and insurance paid them over {$9000.00}, leaving a balance around {$5000.00}. After insurance payment, I talked with someone after I made another payment of {$310.00} and they talked me into paying another {$2100.00} leaving me a balance of {$2600.00}. They told be they would write this off and I would be in good standings with them. They did not tell me that this would cause a negative remark on all the credit bureau 's. If I would have know this I would have continued to make my monthly payments until it was paid in full. They even sent me a refund check on XX/XX/2019 for {$16.00} for some reason.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I purchased a computer XXXX from XXXX. On XX/XX/XXXX it was marked " Signed for by someone at the front desk/receptionist. '' and marked delivered. The problem is it was shipped to my private residence. Which has no front desk or receptionist, nor is it a gated community. It is a single family home. After trying to work with XXXX for a refund they refused so I issued a dispute with my Wells Fargo XXXX XXXX card. This is after XXXX had not problem refunding me for another package for a lesser amount marked delivered in the same way on the same day. 

I spoke with the Wells Fargo representative that told me since XXXX failed to collect a signature from me, this would be a simple dispute. Fast forward to last week Wells Fargo called me to tell me my dispute is denied. They said XXXX provided proof it was delivered. I asked for what proof as there was no one home, no photo taken as XXXX usually does, no signature provided. They told me the proof was the delivery driver said it was delivered and to contact the police or the Attorney General. This makes no sense? They will blindly accept XXXX  word over protecting their customers? 

XXXX has informed me they issued a refund to Wells Fargo in XXXX, and that it is now their responsibility. Wells Fargo claims they provided proof and now I do not have my XXXX or the XXXX $ I paid for it.

I went through all the hoops XXXX asked for, even providing police ( Sheriff in my case ) reports they claimed to require for refund, until they finally demanded an online link to the report as my copy was not good enough, but the Sheriff does not have an online system for reports. I have provided all of this to Wells Fargo.
Consumer complaint received 2021-04-14
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 called Equifax numerous times to take these 2 closed accounts off my credit XXXX consumer and XXXX These are fraudulent accounts thats are not mine and i demand Equifax to remove these accounts immediately