davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I filed a complaint with Wells Fargo on XX/XX/XXXX, complaint I.D . number : XXXX. The company responded on XX/XX/XXXX. There are multiple inaccuracies in their response which I have attached. My complaint was not submitted on XX/XX/XXXX as the response to my complaint states. In fact, was XX/XX/XXXX. 

My accounts were not closed on XX/XX/XXXX as the response states, but were in fact closed XX/XX/XXXX. I can confirm this after trying to deposit funds into my account at a local ATM with Wells Fargo. I received notice via Email on XX/XX/XXXX that all of my accounts were closed due to XXXX. 

The XXXX issue was brought to my attention from Wells Fargo on XX/XX/XXXX and XX/XX/XXXX as the response states. I responded to this notice of action by going into the XXXX XXXX branch in XXXX XXXX, XXXX on XX/XX/XXXX and provided the banker with the needed documentation and this was confirmed by the banking department within customer service via phone which can be verified with the branch as well. I then opened a business account with a joint owner on XX/XX/XXXX with no issues at the XXXX XXXX branch in XXXX XXXX, XXXX. All needed documentation was provided at this appointment as well. 

The accounts were not updated on XX/XX/XXXX as the response states, as I was advised by online banking, that the transaction previously inside the branch when the received correct documentation, was not even recorded on file once completed. The visit on XX/XX/XXXX which I sat inside the branch for XXXX hours on hold with the local banker, was not to update my address, but was to see why the accounts were closed in the first place. This can be confirmed by the local branch bankers. 

I was unable to walk into a branch and address the situation with the original banker nor a manager on XX/XX/XXXX, and I was advised to schedule an appointment to address the issue, which I had to drive across town to do the same day at XXXX. The issue was not resolved with the banker at that appointment, which led me to create ANOTHER appointment which prolonged the process and I then spoke with the XXXX XXXX banker on XX/XX/XXXX. 

I was advised by 2 phone bankers as well as 2 branch bankers that the accounts were closed in error and they apologized profusely, and that my accounts would be re-opened and I was provided a ticket number when this would be completed. As of XX/XX/XXXX, my accounts have yet to be re-opened. 

Ticket Numbers : Personal Account - XXXX, Business Account - XXXX. 

The funds that were deposited into my account were mailed and received via cashiers check AFTER the funds were needed which has caused a great inconvenience to myself as well as my family and has caused me great distress. The address also listed in the response that the cashiers check was mailed to is incorrect and was not verified by myself.
Consumer complaint received 2023-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WA)

I am not sure exactly what options for what this problem categorizes under. My problem is with Navient collecting on a private consolidation loan that should be discharged in bankruptcy. I am the cosigner of a private consolidation loan through Navient for my daughter. I have gone bankrupt in XXXX and she has gone bankrupt in in XXXX and XXXX. Yet Navient continues to collect on this loan despite being sent discharge orders from myself and my daughter. My daughter has continued to pay as to not ruin hers and my credit. My lawyer automatically said that since its a student loan it can not be discharged in bankruptcy unless you prove undue hardship which I know is virtually impossible to do. Upon hearing this, I brushed it aside much like my daughter did because it is widely understood that student loans cant be discharged. My daughter is also a full class member of the XXXX XXXX XXXXXXXX lawsuit and is in the process of getting her federal loans discharged. The schools she went to are the former XXXX University and former XXXX XXXX XXXX both of which have closed and are on the list of schools included in the lawsuit. I recently read an article the CFPB has written about heightening its scrutiny against private student loan servicer on people who have gone bankrupt. I have attached the article. I am not sure if I am allowed to attach bankruptcy discharge papers which has personal information on it but will send it upon request.
Consumer complaint received 2022-10-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

The complaints below have responses and feedback from parties that are misleading and not factual. The parties remain in contempt of CFPB orders filed XX/XX/2022 that are to protect me, victim of their identity theft fraud schemes. 

XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action RUSHMORE LOAN MANAGEMENT SERVICES LLC XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX Other personal consumer report Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided
Consumer complaint received 2023-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TN)

I am a victim of identity theft. I had not checked my credit report in years, however I recently obtained a copy of my credit report and found several accounts that had been opened in my name without my knowledge, authorization or approval. I have never had XXXX nor have I ever given authorization for any third party to open a XXXX account in my name. Whatever services XXXX previously opened in my name was a direct result of identity theft. I did now open or use this account.
Consumer complaint received 2023-04-06
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to fix this issue with each credit bureau, Transunion, XXXX and XXXX for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.
Consumer complaint received 2023-04-06
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-06
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-06
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. (GA)

This is XXXX XXXX and this is my numerous attempt to dispute an error on my Credit File that pertains to accounts that do not belong to me. Despite my previous requests, an account belonging to my daughter continues to be erroneously reported on my XXXX XXXX. I am referring to the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$39000.00}. As I have previously mentioned, this account has been incorrectly linked to my Credit File, and I have not authorized it. I am submitting this CFPB Complaint to bring to your attention that accounts belonging to my daughter has been erroneously reported on my Credit File. This is a serious error that needs to be rectified immediately. I am formally requesting that you take action under the provisions of the Fair Credit Reporting Act to remove this account from my Credit File without delay. Therefore, I am once again disputing this error and request that you remove this account from my Credit File immediately under the provisions of the Fair Credit Reporting Act.
Consumer complaint received 2023-04-06
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)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-04-06
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (LA)

when I joined XXXX they offered a Citi credit card. I took it just for emergencies, it stays in my glove box. I always use my visa from my credit union and pay the full balance every month. On XX/XX/XXXX I received a XXXX or XXXX XXXX letter delivered to my home. It was a Citi letter saying my account was past due. I immediately called for details. I was told XXXX had automatically charged my membership renewal to the Citi card. I explained that I did not authorize the charge and had received no statements, emails or calls. The representative suggested I pay the balance and he would file a dispute to refund the charges. I gave him my checking account routing and account number. {$240.00} went to Citi from my account ( statement attached ) On XX/XX/XXXX I realized a credit had no been received, so I logged onto the Citi account to check status. Not only was there no credit, the membership renewal was charged again, with interest and late charges. I contacted XXXX to complain and they referred my complaint to Citi. They say they lost my payment. The representative XXXX asked I send the statement copy. She later called and said she had listened to the call where I made the payment and was sure it had gone thru, but I needed to get more details from my bank, which I sent to her XX/XX/XXXX. On hearing nothing back, I asked on XX/XX/XXXX via email for status. I get a call back saying they had found the payment, and credited charges. I asked if she was going to contact the credit bureaus as this had lowered my score from its normal A to C ( copy attached ). She said that they would not. So I received my latest statement, attached, and it shows the lat charges and interest refunded. If it was not a mistake and they should explain to the credit bureau, why refunds? Citi needs to restore my credit.
Consumer complaint received 2019-04-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I hope you can help me. We live in XXXX Californa. We bought our house 3 years ago. We are retired  and have been a home owner for 52 years. This has never happened to us before and I want to know if it is right. We financed through XXXX XXXX. The first year it was fine and then they sold our loan to Ditech. Our payments were XXXX. We were notified that there was a shortage in our escrow fund and we either had to pay a lump sum of XXXX or our house payment was going up 100 dollars. We let it go up. So now our house payment is XXXX and this year we were contacted again and told that there was still an escrow shortage and we either had to pay XXXX or house payment was going up again 100 dollars. I dont think this is right. We have never had this happen before. 
Last year my sister bought a house here in XXXX and the same thing has happened to her. They just contacted her and told her she either had to pay XXXX or her payment was going up 300 a month. Can we have someone investigate this and see if they are cheating us. We are all retired and living on a fixed income. If they payments go up we may not be able to keep our homes. Thank you in advance for anything you are able to do. 
XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-04-06
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. (VA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABSOLUTE CREDIT  LLC (CO)

ABSOLUTE CREDIT LLC is trying to collect a debt from me that is inaccurate. I paid the company they are trying to extract this payment from years ago. There is no debt, this is not mine. They are XXXX XXXX. These companies should never be in business. They use a blocked number, and call relentlessly, harassing me for a debt that is not mine. They are disgusting XXXX and XXXX and should not be allowed to pursue people so aggressively.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp. (CA)

Relay Finance has locked my account. I am able to view my funds when I log on but I am unable to transfer this money out of my closed account. Relay and their banking partner ( XXXXXXXX XXXX XXXX XXXXXXXX ) closed my account. The amount I need to move out of this closed account is XXXX.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION (PA)

Recieved within a week two debit cards from M & T bank notifying me of my new M & T debit cards and checking accounts. I contacted M & T, They noted they had caught these accounts and they sent me a follow up letter urging me to contact you and local police. Opening up random accounts at various banks has been happening for a few years ever since my local parking app was breached and information stolen.
Consumer complaint received 2023-07-22
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. (IL)

In XXXX of XXXX I was added as an authorized user for a credit card ( XXXX ) the trade appeared on my credit report with a 3 major credit bureaus. The account was and is in a positive status. The account was not fraudulent it was accurately verified and reported legally. In XXXX or XXXX of XXXX I disputed this account for inaccurately reporting the balance with TRANSUNION. In XXXX of XXXX TRANSUNION claimed to have conducted an investigation and upon completion deleted the trade line from my credit report. I reached out to TRANSUNION regarding this error and was told that I needed to contact XXXX credit about having it reinserted. I then reached out to XXXX and they began the reinsertion process by sending me a document to sign and date as verification to the credit bureaus that I am in fact agreeing to have the trade line reinserted. I sign the document, sent it back to XXXX XXXX, they then acknowledged receipt and stated they will send the needed information to TRANSUION and the trade line will then be added back to my report. I spoke to a XXXX representative on XX/XX/XXXX and they then told me that TRANSUION responded to their request about reinserting the trade line back onto my credit stating that they refuse to reinsert it due to an internal policy. XXXX and I have contacted TRANSUNION and they are continuing to deny our request. TRANSUNION has not sent me any information regarding this internal policy they have resulting in their decision
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (TN)

Harris & Harris , Ltd XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX I owed XXXX Income Tax and paid it off directly to the XXXXXXXX XXXX XXXX XXXX . This collection agency keeps bothering me by sending me collection notices and leaving voice mails saying that I still owe.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2019-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (MD)

The debt to XXXX referenced in my previous complaint ( XXXX ) has been sent to a collection agency by XXXX. As I explain in the details of that previous complaint, I do not owe XXXX any money. I repeat the text of that complaint below : I canceled XXXX XXXX service to my address in XX/XX/2018. I am unsure of the exact date, but I have an email from XXXX saying " Thanks for your recent call '' dated XX/XX/2018 and I believe that to be a response to my call to cancel service. I paid my last bill of {$54.00} on XX/XX/2018. Since then, XXXX has continued to send me bills first for {$54.00} and now for {$100.00}. I have made at least 3 calls to XXXX since XX/XX/XXXX to determine why they continue sending me bills. Each time, the representative assures me that 1 ) they are aware I canceled service in XX/XX/XXXX, 2 ) I do not owe them any money, and 3 ) they will make sure I stop receiving bills. But I continue to receive paper bills in the mail as well as telephone calls almost every day informing me of this " debt '' that I owe.