davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

We had this account with WF for three years. We used it to deposit donations from individuals to support XXXX patients in the XXXX XXXX. WF claimed that we have used a physical address with a XXXX XXXX that is equivalent to a XXXX XXXX XXXX. They opened the a count in XX/XX/XXXX at the XXXX XXXX XXXX in XXXX and at that time we informed their banker that we will rent a XXXX XXXX at the nearby XXXX office and she agreed and we used the XXXX street address with the XXXX XXXX. All went well until XX/XX/XXXX when I needed to wire funds to our principal Foundation in XXXX from the XXXX GA branch which i have done severral times over past 15 months!!. The banker said there's a restriction on the account and you need to change the address to another address that does not include a XXXX XXXX XXXX I then asked here to use my new street address in XXXX. She changed it and I opened a case protesting their lack of communication with our Foundation and keeping us in the dark about this issue, we were not aware of this new requirement. To our shock WF, 2 days later and without any explanation or warning closed the account on XX/XX/XXXX. This irresponsible and disruptive action caused a {$10000.00} donation on route from an overseas donor not to be credited to the closed account and we still do not know the status of the donation. I then asked them to forward the remaining balance to my address in XXXX and as of today XX/XX/XXXX we have not received the approximately {$7700.00}! I filed a second and 3rd case looking for the supposedly check they told me several times that they would mail it my address at : XXXX XXXX XXXX XXXX XXXX GA XXXX I have not seen the check as of today! 

After almost 40 years of banking with Wells Fargo, I'm extremely disappointed in their shoddy and careless practices. 

When I tried to open a new account to replace the one they closed I spent 7 hours at the XXXX GA branch and at the end of the day the banker could not open a new account and she called about 7 different people but the system did not allow her to open a new account. I agreed to come back the next day but she failed to open a new checking account.

I still have 4 personal accounts with WF and I had to go to another bank across the street and they gladly helped me!

The poor and questionable manner WF handled the unasked for closure of our nonprofit account cost us loosing severely donations since the donners were not aware of the shenanigans practiced by WF behind the scenes without my and our Board of Directors knowledge.

We will never again open a small nonprofit account with WF. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CO)

I have contacted Sallie Mae directly XX/XX/2022 after I had been called daily whenever loans overdue. I have contacted XXXX and Left a message at XXXX XXXX University. It was written in one site about private student loans that to deal with Sallie Mae loans should be in default. After talking with XXXX I was transferred to the Fraud Department where I talked with XXXX. 

I explained I felt my grandson and I had been taken advantage of by XXXX  XXXX University and Sallie Mae. My grandson qualified for work study ; is a XXXX  in an under represented university and program ; is a child of a single mother, BUT never qualified for lower interest rates, federal funded loans or any financial grants. I co-signed two loans ( {$15000.00} and {$17000.00} ), but now my grandson has 4 loans totaling over {$100000.00}. 
When I talked with XXXX in the fraud department he only wanted more information from me. I dont have access to any online accounts and I wouldnt give my social security number. Of course they already have most of my information, thats how that can email and/or call me so regularly. I asked for a person to call me which has not happened. 

Please advice me on next steps. Thank you. 
XXXX XXXX
Consumer complaint received 2021-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

Okay! What XXXX not understanding is why Ive had to contact and write XXXX several times regarding this account. 

XXXX XXXX XXXX {$170.00} CLOSED/CHARGED OFF Opened XX/XX/XXXX Account # XXXX For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. XXXX has since sent a letter that theyve been sending for the past year. 
2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation.

3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against XXXX This account has been removed from XXXX as well. 
4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to XXXX several times to advise them on unauthorized account access.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX  data breach, and it may have got into the wrong hands.
Consumer complaint received 2022-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

I requested a refund from EdFinancial on XX/XX/2022 and have yet to receive any follow up or refund from them. Other loan providers are providing refunds in much less time than what EdFinancial is trying to give refunds in.
Consumer complaint received 2024-04-01
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (LA)

The loan was taken out in between XXXX, with TitleMax. The interest was so high for my monthly payments. I had to turn my car in due to not being able to afford the monthly fees. {$500.00} plus was the monthly payments and way higher than for the amount of the loan that I was taken out on the vehicle.
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

I looked at my Credit Card statement with Citi and noticed 2 different interest charges ( I expected 1 ), therefore I called and the customer service representative really didnt know why I had to interest charges one for {$24.00} and the other for {$12.00}. She thinks that its because my promotional offer expired and I told her that I can understand that and that I expected one interest charges, not two.
Consumer complaint received 2021-06-14
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. (FL)

I have a closed credit card account from XXXX with XXXX / XXXX that is seven years old and has been disputed before and on XX/XX/XXXX, XXXX one out of the three credit reporting agencies removed this account from my credit within five days, the other two agencies XXXX and Equifax told me by phone on XX/XX/XXXX they have to follow federal guidelines but have the right to retain this information on my credit during that seven year period even if the closed dates are disputed to be incorrect, this account is showing in the Equifax system as frozen after it was disputed, it was explained to me by Equifax customer service this wasn't done by them that XXXX  / XXXX put a freeze on this account so nobody could remove it from my credit until XX/XX/XXXX, I contacted XXXX XXXX  questioning this and got nowhere with them, XXXX is continuing to report this until XX/XX/XXXX and will not remove it until that date, this may only seem like a few months but this is a way for the credit card companies and credit reporting agencies to punish the consumer.
Consumer complaint received 2019-08-01
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: MoneyLion Inc. (NM)

On XX/XX/XXXX I paid off my loan in full with a payment of {$210.00}. I have bank records to prove as it was deducted from my checking account. On the moneylion website it is saying I still owe that payment, as well as reporting to the credit agencies that the payment is in collections.

I have sent several emails to XXXX and only get an automated response.

I have called the support number 5 times and on hold for more than an hour each time, only to be disconnected, or hung up on as soon as it is answered.

I have messaged on XXXX  and been directed to XXXX to " submit a ticket '' but no option once there.

I am ready to take legal action and this is my last attempt before doing so.
Consumer complaint received 2021-04-15
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. (AZ)

I spoke with XXXX at Equifax on XX/XX/XXXX about the unauthorized inquiries that appears on my credit report I request the following inquires to be delete and removed off my Equifax credit report : XXXX XXXX. as well as an unauthorized account : " XXXX XXXX XXXX " account # XXXX open on XX/XX/XXXX in the amount off XXXX. I did not authorize any of this account or this inquiry. I am requesting that the above unauthorized inquiries and account be removed immediately from my Equifax credit report due to my identity been stolen.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (FL)

XXXX ( XXXX  ) XX/XX/2023 WF CRD SVC ( XXXX  ) XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 WF CRD SVC ( XXXX  ) XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 all of these inquiries started appearing on my credit reports and i didnt know how to deal with them
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Suburban Credit Corporation (MD)

I received XXXX  from XXXX XXXX ( XXXX ) on XX/XX/XXXX. This company at the time outsourced billing to XXXX XXXX XXXX ( XXXX ). The billing agency said they sent an invoice to my home address on XX/XX/XXXX, that they were told it was a bad address, and then referred the matter to a collection agency. 

I was living at my home address in XX/XX/XXXX, then moved during the pandemic and returned in XX/XX/XXXX. In XXXX, I received a collection notice from Suburban Credit Corp. 
This was the first time I was aware that I had a balance of {$98.00} -- I had never received an email, a call, or a postal letter. 
Suburban Credit Corporation said they had reported my lack of payment to the reporting agencies in XX/XX/XXXX. To update the reporting agencies on what really happened, the collection agency said I needed to take it up directly with XXXX XXXX -- I can not reach anyone to help at this company. XXXX XXXX XXXX says it no longer works as they billing entity to for XXXX XXXX, they too referred me back to XXXX XXXX -- but they have no contact information. 

My credit may have been harmed. I want XXXX XXXX to update the reporting agencies as they NEVER contacted me about an invoice for {$98.00}. I paid the collection agency this sum.
Consumer complaint received 2022-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MI)

Flagstar blocked the access to process our payments online due to a block- according to them our bank wasnt letting payments going thought. I went into a branch to make a payment with cash- they refused to accept my payment because I needed to have verified funds ( I am not sure how cash is not verified funds ). I was told to get a cashiers check or money order and mail payment- I overnighted to payment to flagstar bank- the address I was provided by agent reps and branch- Now the payment is not located. I have attempted to call and fix the issue with them and they are making it impossible to correct the payment. I need the payment to be backdated to when the payment was received. I have called them and provided check number and when they cashed the check and they are still refusing the help.
Consumer complaint received 2017-06-01
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: Experian Information Solutions Inc. (MD)

I have tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I or iginally sent 2 let ters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limitatio ns has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was verified and met FCRA requirements. I asked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd party company as  I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

SELECT PORTFOLIO SERVICING IS THE CREDIT COLLECTION COMPANY COLLECTING FOR - XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Select Portfolio Servicing, BXXXX  XXXX XXXX XXXX XXXX is committing Mortgage, Deed, Assignment of Mortgage, Bank And Securities Mortgage Foreclosure Fraud by obtaining a Default Foreclosure Judgement on XX/XX/XXXX. XXXX in XXXX XXXX of Common Pleas instead of providing Consumer Relief per sanction given on XX/XX/XXXX by the Department of Justice. Im currently in Pa XXXX XXXX XXXX XXXX on a Appeal.
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-09-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN INTERNET MORTGAGE (CA)

To Whom It May Concern : On XX/XX/20, we ( husband and wife ) refinanced the loan amount of {$380000.00}, loan # : XXXX, through American Internet Mortgage , Inc. ( AIM ) located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. But on XX/XX/20, we were notified of the " Courtesy Notice '' of a possible " Real Estate Fraud '' on " unaware of this transaction '' by the record office of the County of XXXX in California. We contacted our lender American Internet Mortgage ( AIM ),  Inc. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Shawum its employee said the XXXX XXXX XXXX is not the subsidiary of the AIM. We have been paying the mortgage to AIM since the refinance. 

So we are complaining about real estate fraud of the following XXXX XXXX XXXX accordingly. 
We reiterate to appreciate your time and consideration.. 
Should you have any question, please dont hesitate to contact me. 

Thank you for your time and consideration. 


XXXX XXXX XXXX XXXX The owners of the property at XXXX XXXX XXXX, XXXX, CA XXXX as joint tenants as husband and wife. The home property is the res of our living trust. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Hours : Opens XXXX Closes XXXX PM ( XXXX ) XXXX ; ( XXXX ) XXXX
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth third bank kept my funds and allowed fraudulent activity to go on into in my account. My credit card payment was negatively impacted due to fifth thirds negligence which impacted my credit score dramatically. Fifth third bank agreed to release my funds several times via telephone. Then refused at the last minute. Causing financial burden fifth third bank did not close my savings and checking accounts when I demanded due to fraudulent activity.
Consumer complaint received 2022-07-06
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. (CA)

Fair Credit Reporting Act 15 U.S.C 1681 Section 616 ( A ) ( 1 ) ( A ) Civil Liability for willful noncompliance {$1000.00} per violation Section 623 ( A ) ( 1 ) ( A ) Reporting information with actual knowledge of errors Section 623 ( B ) ( 1 ) Reporting information after notice and confirmation of errors Section 611 ( 2 ) ( A ) Procedure in case of disputed accuracy Section 611 ( 5 ) ( A ) Treatment of inaccurate or unverifiable information 15 U.S.C SECTION 1666b. Timing of payments ( a ) Time to make payments 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 sent in a dispute to Transunion for XXXX XXXX child support account # XXXX because after pulling my credit report I instantly recognized incorrect information. Transunion stated they VERIFIED the Information as accurate I have highlighted all in accuracies. FIRST Violation.Date opened is incorrect XX/XX/2015 is not the correct date. SECOND VIOLATION. Balance owed is not $ XXXXTHIRD VIOLATION Date of last activity is also incorrect XXXX.FOURTH VIOLATION.. Last payment is also incorrect you're reporting a last payment date of XXXX FIFTH VIOLATION..payment amount is also incorrect it is not $ XXXXSIXTH VIOLATION.. you're also reporting late payments on my credit report which is also against the law ... ..After doing my own investigations I have enclosed supporting documents of verifiable correct information.. side by side views of 3-Bureau credit reports. correct balances and last payment... please pay {$1000.00} per violations due to your inaccurate reporting I have higher insurance premiums, unsuccessful job applications, security deposits for utilities.. please pay and delete. Transunion has violated multiple laws when it comes to an account on my credit report.
Consumer complaint received 2019-08-01
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. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30days. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Omni Financial Corp. (AL)

SOUTHEAST TOYOTA FINANCE ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information SOUTHEAST TOYOTA has violated my rights and failed to protect my information by sharing my personal information with XXXX parties without my consent. 

15 usc 6802 Obligation with respect to disclose personal Information. There are XXXX disclosure forms that I have not received. 
XXXX. Financial Institution making me aware that they will disclose my information to a non-affiliated XXXX party XXXX. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a XXXX party XXXX. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy SOUTHEAST TOYOTA did not clearly and conspicuously provide the disclosure forms.