davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (TN)

I received a text on XX/XX/28 at XXXXXXXX XXXX with a US Bank logo asking if I had initiated a large XXXX transfer. It looked legitimate and I responded no. Almost immediately I received a call from " US BANK '' Customer service #. Again, it looked legit. I was persuaded to " reverse '' the payment and in the course of 15 hours lost {$2400.00} to this scam as I was scammed out of every dime I had except {$43.00}. When I asked the " banker '' what was the timeline to see my funds returned and was told 45 minutes. After 1 hour I called US Bank and found that there was no pending reversals and that all of my $ $ was gone. 

I immediately filed a fraud report with US Bank over the XXXX XXXX transactions. I filed a police report, and when I went to my local US Bank with the report information I was treated like the criminal. My account had a 10 day hold on it, during this time I never received ANY communication from US Bank. I had to repeatedly call in to ask a status, I felt that there were no real notes in my file because I had to repeatedly tell the reason my accounts were frozen and I was treated mostly with a non-caring department and felt that I had been judged and discarded. I pointed out that in 10 years with US Bank I had never placed such a claim and why wasn't it questioned when out of the norm. 

On business day 9 I called in to discover US BANK DENIED ALL CLAIMS. How did they investigate and solve without speaking to me? 

I am a XXXX XXXX for my mother and when this happened, had I not had good friends, we likely would not have had food because after the incident I had {$43.00} combined from 3 accounts. 

XXXX said to report it to FBI. 

I want to go to my local news " investigates '' reporter and blast it to all since at this point I am being told I have no other recourse. 

It seems to me that if the BIG XXXX banks created and own XXXX, they are benefiting from " passing the buck '' and we little people have been swept under the rug. 

When I told them that I felt my rights had been violated per the CFPB, I was told that US BANK has a vast attorney base and they absolutely would know if my rights had been violated. And they had not. 

I feel that a class action law suit may be the only alternative I have to recoup my $ XXXX I am XXXX XXXX XXXX and work XXXX jobs. My mother draws {$1000.00} a month in SS benefits so we are not people with ample assets to recover from such a hit. 

This has affected me both XXXX and XXXX and I have no respect at all for US BANK or any other financial institution. 

I have documentation of the denials and I can go obtain the police report that include photos of the alleged bogus text messages and phone calls received from the " customer service '' number if necessary.
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (NY)

XXXX XXXX XXXX calls me XXXX times on a daily basis. As soon as I pick up, they call me by my husbands name, which is XXXX. In addition, they have tripled what the original credit card amount was thats owed.
Consumer complaint received 2018-12-26
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. (GA)

To Whomever This May Concern : My name is XXXX XXXX. Last week I reached out to Experian because they have someone else information on my credit report. I submitted disputes. I submitted a police report and my DL as well. I received an email from them stating that they needed another police report or all pages. I have submitted all pages of the police report. There are no additional pages. I have submitted everything that they have requested. The accounts that are not mine are as follows : XXXX/XXXX  XXXX XXXX Now XXXX XXXXt XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I am not pleased with what is going on and what they are not doing and how this information has not been removed and/or blocked from my report. I need this removed and rectified asap before they find themselves in the middle of a lawsuit for having information on my report that doesn't belong to me, that isn't in my name, and that isn't associated with me at all.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX NUMBER REPORTED PLEASE REMOVED FROM MY REPORT : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had an account with Bank of America for a while. They closed my account due to fraudulent checks. I had nothing to do with the checks being put into my account. I had came back from college to try to open a new account and I was denied.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (CO)

I set up my mortgage payments for auto pay on XX/XX/2018 Before I went out of town to visit my mother whom lives out of the country. On XX/XX/XXXX, on XX/XX/XXXX and again on XX/XX/XXXX to login to my online account to verify that my payments had posted but was unable to. I kept getting the message, " 500 Internal Server Error ''. I returned on XX/XX/XXXX to spend XXXX with my husband. I checked my accounts and realized that my XX/XX/XXXX and XX/XX/XXXX Mortgage Payments had not been drafted. I called United Wholesale Mortgage ( UWM ) immediately I left messages for two days prior to getting someone on the line. I finally was able to get through and brought my account current. The late payment now shows up on my credit report and my score dropped 120 points. I have been building up my credit to buy a vehicle so that I don't have to walk in the cold with my children. Now I can't qualify for the loan due to the drop in my score. I called UWM and they advised me that I needed to file a complaint. They agreed with me that it was a mistake but advised me that I needed to file a complaint in order to have it removed. My credit score was impeccable prior to this erroneous late payment reported on my credit. Please Help. I am distressed. Thank you.
Consumer complaint received 2018-12-20
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. (NV)

I pulled up my credit report and saw all of these unauthorized inquiries. I did not apply for employment with an of these organization nor did I request credit from any of these organization. Please Remove from my report. 


XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX   XXXX XX/XX/2018XXXX XXXXXX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXXXX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XX/XX/2018
Consumer complaint received 2018-12-20
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: EQUIFAX, INC. (NV)

I pulled up my credit report and saw all of these unauthorized inquiries. I did not apply for employment with an of these organization nor did I request credit from any of these organization. Please Remove from my report. 


XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXXXX/XX/2018XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX  XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX  XX/XX/2018
Consumer complaint received 2018-12-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

This is in reference to account number XXXX, oh property address XXXX XXXX XXXX XXXX XXXX New Jersey zip XXXX. Account number name under XXXX XXXX. 

To whom it may concern. 

I used to have an account with Wells Fargo. Back then I had a mortgage with Wells Fargo. Throughout my. Of time of being with Wells Fargo, I have filed multiple complaints with consumer financial protection bureau. I had contacted Wells Fargo number the times to assist me in my mortgage. However, over a. Of time nothing panned out to work for me with this mortgage company. Including done giving me a due date that my mortgage is due, telling me I had a Grace peroid 15 days later. That was another thing the grace. That was told was available to me, was all a lie as well. basically your mortgage payment was due on the day it was due with no grace peroid. 


Over time, I started to struggle more with this mortgage company. Because the grace. Was no such thing. This started to cause problems with my mortgage. If your payment wasn't received on the exact due date, they already consider you default it with your mortgage. Even though a grace period was offered. They never really honored their grace period. 

Wells Fargo, will start to say you are behind on your mortgage. That you already are in default. So if you try to pay them after the due date any ready considered you in default, they would not accept your payment. Even when you had your payment. And if you try to make a partial payment they still wouldn't take that either. 

Wells Fargo made my life a living XXXX. When I realized that I was going to still have problems with Wells Fargo, and there was no winning with them. I realize the best thing to do was to get rid of my house. I sold a house, thinking that was the best thing to do just to get rid of Wells Fargo. 

However, the nightmare still continues. Now that I relocated to another state completely, to start a new beginning with my family. I realize Wells Fargo still follows me into my present and future. When I try to apply for a loan or even get an apartment, I was told that Wells Fargo reported so many lates on my credit report and basically destroyed my credit report for me to get anything moving forward. I did try to reach out to Wells Fargo, as a goodwill adjustment, to remove any lates that I might have on my credit report or anything negative as well. Including XXXX removing any old accounts and to let them know this account is no longer active. So it will allow me to either get a loan or even an apartment. When I was speaking to the right, they said they would try to help me. Please also remember, in my credit report says my account is still active and they still report an old accounts.. 

after reviewing my credit report again, after the fact I went speak to Wells Fargo. Nothing was ever done on their end. Even though they said they would do it for me so I can get that loan on apartment that I needed.
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (NC)

on XX/XX/2022 I did an annual review of my credit profile, upon reviewing current credit status there are several inaccurate items and inquires reporting. Per the FRCA policy EQUIFAX is currently in violation of several of my consumer rights per 15 usc 1681b Permissible purposes : ANY consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the CONSUMER to whom it relates ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 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.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance to the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, have violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (AZ)

On XX/XX/XXXX, I sent {$2000.00} to my bank account at XXXX thru Western. Two days later when I noticed the money was not in my account, I called Western Union. I was told that the funds were delivered. I kept on calling and every time I am told that the claim will be escaladed and have the claim department look into it. By the time I called again, the claim have been closed. They have to reopen a new claim. After many attempts, I requested to speak to a supervisor, who after a long conversation after I provided my account number, I was told it was not correct. I went back and looked at the receipt and discover the last number from the receipt is different from my bank account. I shared that information with the supervisor who confirm the information. He later told me to call my bank and ask to respond to they request to return the funds. I call XXXX they started an investigation and stated the account is non existing therefore they returned the funds. 
In conclusion, the said they they do not have my {$2000.00} and Western Union is saying that the funds were delivered. The manager from XXXX called as well, he was told the that the funds were delivered. He even explain to them it was his associate who entered the account number wrong none of that made any difference. 
call log : case # XXXX case # XXXX XX/XX/XXXX spoke to an associate I was to wait for a call in 24-48 hours. 
XX/XX/XXXX I never received a phone call so, I called back. I was told that the claim was closed and will be reopened. 
XX/XX/XXXX Spoke to XXXX XXXX XXXX I spoke to Supervisor XXXX XX/XX/XXXX Supervisor XXXX XXXX I was told to expect a phone in 72 hours XX/XX/XXXX went to XXXX XXXX supervisor called Western Union XXXX 
I need your help! I am getting no where with all my efforts.
Consumer complaint received 2018-09-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

Dates of attendance at the university  XXXX XXXX consecutive XX/XX/XXXX until XX/XX/XXXX. Graduation was supposed to take place in XX/XX/XXXX. University  XXXX XXXX added two additional classes to my degree program. The school informed me that I would not get a degree if I didn't agree to the two classed added. Upon graduation the promise for alumni to intern students for jobs in the field of study was not completed. The school failed to give information on career possibilities which would have led to the salary in which enrollment in classes was intended. The University is trying to profit off the student but has not made the student profitable. 16 C.F.R. Part 433 : Federal Trade Commission Trade Regulation Rule Concerning the Preservation of Consumer 's Claims Defenses ( The Holder Rule ) ( 150.93 KB ). The note is worthless to the consumer and causes an outstanding balance to consumer credit reports. FTC Opinion Letter Affirms Consumer 's right under the holder rule. The promissory note rule can be considered inequitable to consumers. The U.S. Federal trade commission promulgated rule 433. Formerly known as the " Trade Regulation Rule concerning  preservation of consumer claims and defenses ''. Rule reaffirmed in XX/XX/XXXX. 
My credit report is the proof that will be submitted in this complaint. Beside the fact University  XXXX XXXX failed to fulfil my promissory note the school sold the loans to Nelnet. NelneXXXX advised me to seek defense against the university due to the ongoing civil suits and negative media about the school misleading students into believing secondary education will lead to higher paying jobs. The school advertises the promise to help students find careers upon graduation. The XXXX campus advises keeping grades above 85. to gain the highest paying jobs. The XXXX campus failed to comply with any leads into employment upon graduation stating a higher degree would open the door to more possibilities. I would like the CFPB to gather as much information as possible in helping me to have Nelnet and the university  XXXX XXXX removed from my credit report. The amounts for XX/XX/XXXX alone are {$27000.00} for an online course. My promissory note states that I wouldn't have to pay tuition until six months after graduation. My credit report reflects two charges per year for four years with XX/XX/XXXX having four charges. It is my belief that after all the information I have provided to the parties involved that keeping the inflated amounts on this consumers credit report knowing that the parties have failed to uphold the promises made ; at this point is because I am an XXXX XXXX woman that is paying my bills on time and would like to move forward in my life. Prejudice surrounds the decisions to correct the wrong that has been placed on the consumer. Nelnet knows that the University  XXXX XXXX has been discredited and has paid the Department of Education millions to allow them to continue to defraud students. Please help me stop them
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

After receiving the response from 5th 3rd bank stating that they needed more information to accommodate my XXXX. I contacted the bank the best way I could for equal access. I first spoke to XXXX, who indicated that since I had made a CFPB complaint she could not help me and that only persons who were not at work could help. She refused to serve me. She did transfer the call to XXXX, I asked XXXX what info they needed. She said they needed to know the type accommodation I was seeking. I told her " effective communication '' she said that I needed to be more specific, I tried to explain the difficulty I have with access but she refused to accommodate my XXXX and refused any process to figure it out. Instead she shifted the burden to me and told me I had to be more specific. I told her we could start at CFR 35.160. She refused to look it up. And refused to further the process to accommodate my XXXX. 5th 3rd bank also lied to the CFPB regarding the insurance requirements. They are now charging me {$2300.00} per year for insurance. They said they they are taking the insurance payments out of my escrow acct. In the end they hung up on me after telling me they would hang up on me. They refused to serve me at the time I needed and are still charging me for insurace on a home that burned down. I also no longer have access to my escrow for the home rebuilding. They have removed my access saying I can only speak to " XXXX '' yet my acct is at 5th 3rd. When I call the president office they do not verify who they are speaking to and make assumptions based on caller ID. Since caller ID can be spoofed, this compromises my security as it could be anyone
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

I been a best buy Citi card customer for around five years now. In such time, I am yet to make a single payment late nor used any amount past the account available balance. In any case, a little over a year ago I made use of my best buy Citi card and an interest-free promotional period. The special at the time offered purchases above a certain amount interest-free for a period of one year. To be clear at no point in time was there mention of the promotion being deferred or the interest having to be charged back to the principal at the end of the promotional period. However, that is exactly what best buy Citi card resorted to. Upon termination of the promotional period, interest was charged back to the account, which lead to an increase in balance of over {$460.00}. Subsequently, the balance was reported to all major credit reporting agencies, and the added interest began to accumulate interest of their own. Needless to say, The increase in balance also leads to an increase in minimum payment and of course higher interest accrued monthly. I personally contacted best buy Citi card on the subject via phone and e-mail and every case their position has been to stand by such practice and refuse to honor their promotion and to refund such overcharges to my account.