davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (GA)

I was paying for a total of XXXX season passes for my family. One day, my daughter used my pass instead of hers. At XXXX XXXX my card was given back after realizing the resemblance and the issue was correct after noticing the obvious mistake. However, my card was blocked and I was not allowed back in the park the next time I tried to use it with my family. We never successfully completed this and agreed to part ways without further payment. I also agreed again with this company to pay another account for season pass and this one would be removed which it has not as agreed.
Consumer complaint received 2020-11-02
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. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2016-06-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mnet Financial Inc (TX)

I was under XXXX when the debt occured, Placed on parent and childs credit history, when my mother called several times and asked that it be removed because I was under XXXX when it was incurred, they refused. Stating they do not removed from credit. ( My mother paid the debt ) This is illegal, as a minor I was not responsible for the debt.
Consumer complaint received 2017-02-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (CA)

I applied for the Discover IT card and was denied on XX/XX/XXXX. The agent I talked to that same day told me my credit application was n't even reviewed because I had applied for a duplicate card, and that if I applied for a different version of the card, I 'd be approved seeing as everything else was okay, such as waiting 12 months inbetween cards. I applied for the second card and was denied again. I was given misleading information that lead me to believe I 'd be approved, if I would just re-apply. I want XXXX of these duplicate inquiries, that adversely affect my credit score, to be removed. Multiple attempts to contact Discover over the last three and a half weeks have yielded no use.
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE RECIVED LETTERS IN THE MAIL REGARDING A TAG FOR A CAR. STATING THE CAR TAGS ARE GOING TO EXPIRE AND THAT I HAVE TO RENEW. I DO N'T OWN A CAR.
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

I bought a house on XXXX of XXXX thru XXXX XXXX  on XXXX of XXXX. Without been informed my loan was switched to Selene Finance Mortgage which for them it shows my payment late since I had sent the payment to the original XXXX  XXXX. I been paying {$350.00} ( principal {$440.00}, interest {$2500.00}, escrow ( taxes & insurance ) {$800.00} ) monthly but yesterday I got a new statement with a new monthly payment {$6100.00} when I called them today to explain why almost double with less than a month being.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Subject : TransUnion for Violation of Consumer Rights Dear Sir/Madam, I am writing to file a complaint against TransUnion for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 
On XX/XX/2024, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX XXXX and XXXX XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 
Despite my explicit request to opt-out, I have recently discovered that TransUnion continues to furnish information related to my account with XXXX Card and XXXX XXXX XXXXn my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by TransUnion is a clear violation of my consumer rights and undermines the integrity of my credit profile. 
I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, TransUnion has not only violated my consumer rights but has also compromised my privacy and financial security. 
I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that TransUnion ceases the unauthorized reporting of my non-public personal information on my credit report. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: M&T BANK CORPORATION (GA)

M & T Bank continues to report my payments as late. My payments are on auto draft and prior to that I made my payments before or on time. Every month they report I am late on payments. During the pandemic I was effected and the bank told me my credit would not be damaged due to being effected by the pandemic. I have asked for them to refrain from reported inaccurate information.
Consumer complaint received 2022-02-10
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. (TX)

Experian informed me that they dont have to review or conduct an investigation. I was told that they only have to send the information I provide to the furnisher and whatever the furnisher says is what it is. Experian informed me that they always side with the company, it doesnt matter what I say and They will not do an investigation. This was all recorded. 
This is definitely against fcra laws.
Consumer complaint received 2016-11-17
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CT)

This complaint is being file against Wells Fargo Home Mortgage, Property Loss Department ( henceforth described in this complaint as XXXX XXXX. 

On XX/XX/2016 I received a check for {$7500.00} from my homeowner 's insurance for repairs to be completed on my home due to ice dams and water damage. To this date, XX/XX/2016, XXXX has been consistently inconsistent in their communications with me in order for me to hire a XXXX, proceed with the repairs, and release the funds that have been held up in escrow since XX/XX/2016. 

The XXXX process unreasonable, at best - you never know who is going to answer when you call ; they do not give out phone numbers or extensions ; they do not allow you to have XXXX point of contact ; if someone calls you they will not give you their last name ; they will not back up anything they say to you in writing ; when you ask to speak to a XXXX they put you on hold, disregard your request or say they can connect you with another XXXX or Supervisor ; every person relays the wrong information, a fragment of the correct information, and/or can not find the correct information in your file ; and, if you do not continually call and follow up on any action that you have taken or expect them to take, it will be swept under the rug until you make contact with them ( only to get another bizarre explanation/excuse ). Due to their inadequate communication and complex process, I have had an arduous time securing a reputable XXXX within my budget and my household is now at risk to the elements of winter 's approach. The pending repairs have also prevented me from renting XXXX of my rooms and I am unable to use another room for my studio work. This process has been excruciatingly cumbersome and nerve-wracking ; draining me physically, emotionally and financially. 

The following*** is a detailed log of my attempts to resolve my home repairs and an accounting of the monotonous conflicting communications with the XXXX since XX/XX/2016. 

***PLEASE SEE ATTACHED FILES FOR MY FULL EXPLANATION AND COMPLAINT
Consumer complaint received 2015-10-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (HI)

I eagerly opened the e-mail sent ( XXXX/XXXX/15 ) from cfpb regarding my complaint XXXX. You can not imagine my disappointment when I read that Wells Fargo required additional time to complete their research. When I first spoke with XXXX XXXX she indicated 10-14 business days. I was utterly amazed to also that XXXX XXXX XXXX ( Wells Fargo XXXX ext XXXX ) asserted that she was unable to contact our legal counsel XXXX. I immediately contacted them, without difficulty, and discovered that there is NO record of Me XXXX, or any other person from Wells Fargo of attempting to reach the Office. Our Counsel attempted to contact XXXX XXXX numerous times ( on XXXX/XXXX/15 ) as did I, but to no avail. I will call her daily and attept to determine what information is required to complete her research. 
My Lawyer is leaving the XXXX XXXX XXXX effective immediately. I have been handling all correspondence to Wells Fargo regarding this situation and wish to continue to do so. 
Please contact me ( directly or through cfpb ) on all matters relating to XXXX XXXX XXXX, loan # XXXX.
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have reported fraudulent activity on my account. Initially it was taken care of by Capital One. A month later they called me back to let me know that it does not qualify as fraud since I had the credit card within my possession at all times. This is a dispute with XXXX and some game. racket up charges around {$2500.00} ...
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (VA)

An incorrect collection is on my credit report. I do not owe this company. I have asked for proof that I have ownership to this debt but failed to give me this information. 
National Credit Systems XX/XX/XXXX Credence Resource XXXX XXXX National Credit Adjustment XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2015-06-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XX/XX/XXXXTo Whom It May Concern, This letter is written with intentions to appeal the closing of my account with your banking institution. I have been accused of fraudulent activity and would like to plead my case. XX/XX/XXXX, I was referred to a mystery shopping job by a friend who was actively doing it. She told me that the company would send a list of different stores they would want me to check out and send a check for me to cash to have funds to shop to assist in being " mysterious ''. My friend had been working as a mystery shopper as a side job alongside her daily full-time job. She was even cashing her checks at the local XXXX in which she never got into any trouble for doing so neither was red flagged about it. So I truly believed that the mystery shopper job was legit, especially if XXXX cashed their checks. 
As a result, I filled out the required information to get me started and within five business days my starter package had arrived. To begin working immediately, I decided to cash the check at Bank of America, whom I had an active account with. Upon entering the bank, I asked the teller was it too late to make a same-day deposit, and she informed that it was too late to make a counter deposit but that my deposit would show immediately if it was made by XXXX at the ATM. So upon gaining knowledge of that, I proceeded outside to make the deposit at the ATM. The deposit was made and I thought everything was fine. 
The next day, my fianc called me on his lunch break and asked me to call the bank because it was a major problem with our account. Completely confused, I contacted the bank and was informed that the check I deposited into my personal account was a fraudulent check. An explanation was not welcomed ; therefore, I do appreciate you allowing me to appeal this issue. 
Honestly, do you think someone would deposit a fake check into their own personal account where all of their means of income goes direct deposit? That is insane!!! I would not -- -and, I did not! If I was trying to get over on my bank, I would have tried to cash it instead of depositing it and waiting for it to clear. I do hope you can sense my sincerity. 
This truly was an honest mistake that has extremely burdened my financial situation. This punishment is intense and severe. I did n't take anything from Bank of America and will not try to take anything from any other banking institution. A wrongful deposit was made, but it was also an innocent act. I was caught in a scam and am being held accountable for my ignorance of such. I am asking for complete leniency in my case. I am recent college graduate with XXXX, XXXX sons and will definitely need a bank account to have access to my funds and to make needed transactions as any other mother. Seven years is just too long time to be penalized for an honest mistake. Please reconsider. 

Thank you for your valued time and consideration, XXXX XXXX
Consumer complaint received 2016-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

INTRODUCTION On XXXX 2014 BORROWER applied and received a new real estate loan in the amount of {$300000.00}, from BANK OF AMERICA ( LENDER ). BORROWER was over charged by the LENDER in the amount of {$1100.00} for discount points for the specific interest rate chosen. The LENDER misrepresented the Good Faith Estimate ( GFE ) on the final XXXX statement. 

GOOD FAITH ESTIMATE ( GFE ) On or about XXXX XXXX, 2014, BORROWER received from the LENDER an Interest Rate Conditions. See Exhibit XXXX attached hereto. The interest rate and the discount points were locked in at an interest rate of 4.625 % and a credit XXXX % or $ XXXX. 

On or about XXXX XXXX, 2014, BORROWER received from the LENDER an Estimated Settlement Charge Summary. See Exhibit XXXX attached hereto. The Estimated Settlement Charge Summary also confirms the credit points in the amount of $ XXXX. 

SETTLEMENT STATEMENT ( XXXX ) BORROWER received a misstated XXXX settlement statement. See Exhibit XXXX attached hereto. 

LENDER IS ACCOUNTABLE FOR THEIR QUOTES LENDER is accountable for their quotes in a real estate transaction. The XXXX is a standardized document that list every expense involved in the real estate transaction and is presented to the borrower during the closing process. BORROWER was quoted in the GFE $ XXXX XXXX XXXX % of {$300000.00} ) discount points. 

LENDER wrongfully stated the amount in the settlement statement on page XXXX, comparison of GFE and XXXX. The XXXX line number # XXXX should be - {$3600.00} and not - {$2500.00}. See Exhibit XXXX attached hereto. 

0 % TOLERANCE If at the closing, any item in the 0 % tolerance category is higher on the corresponding section of the XXXX compared to the original GFE, the LENDER is responsible to cover the difference. 
Charges that can not increase are : Origination charge # XXXX Credit or charge ( points ) for the specific interest rate chosen # XXXX Adjusted origination charges # XXXX Transfer taxes # XXXX It is clear that the LENDER over charged BORROWER by {$1100.00} by misstating the GFE and the XXXX with - {$2500.00} when the GFE clearing shows the amount should be - {$3600.00}. 

CONCLUSION If at closing, any item in 0 % tolerance category is higher on the corresponding section of the XXXX compared to the original GFE, the LENDER is responsible to cover the difference. In this case the difference from - {$3600.00} and - {$2500.00} is {$1100.00}. 

In the event a LENDER misses XXXX of the tolerances in the GFE, the LENDER is responsible to pay the difference. If the tolerances were missed, the settlement can proceed, and the LENDER has 30 days to compensate the BORROWER for the missed tolerance. The LENDER has had over 30 days to compensate the BORROWER in the amount of {$1100.00} and continues to refuse to pay the difference. 

For at least these foregoing reasons, LENDER should pay BORROWER {$1100.00}.
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (CA)

On XXXX XX/XX/2022, I logged into my Paypal account to transfer funds/pay my XX/XX/2022 rent. At this point, I noticed a discrepancy in my account balance. Soon following, I viewed 2 unauthorized ATM transactions totaling the amount of {$960.00}. 

Immediately, I phoned a Paypal representative & informed them that the 2 transactions [ see below ] were unauthorized & not made by me. 

XX/XX/2022 at XXXXXXXX XXXX XXXX  Transaction ID : XXXX Payment Status : COMPLETED Payment Type : ATM Withdrawal Gross amount - {$480.00} USD XX/XX/2022 at XXXXXXXX XXXX XXXX Transaction ID : XXXX Payment Status : COMPLETED Payment Type : ATM Withdrawal Gross amount - {$480.00} USD The Paypal representative assisted me in placing the 2 cases in the Resolution Center. Also, he stated : I would hear a decision within 14 days. 

Dispute Case ID PP-D-xxx Dispute Case ID PP-D-xxx Approximately 5 hours later, I received an email stating both cases had been denied. Yet, the email stated no reasons for the denial. Nor did the email state any path to rebut Paypals findings. Instead, I was informed If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal Debit Card Department Attn : Dispute Resolution Please be informed : Seldom, I have used this card for ATM withdrawals. I have never withdrawn large amounts of money in odd amounts. Example ; {$480.00} [ twice ]. 

In both instances ; the ATM withdrawal times were inconsistent with my Paypal history. [ XXXXXXXX XXXX & XXXXXXXX XXXX ]. 

The transactions were unauthorized. And, I responded in a timely fashion. 

I am requesting a copy of the documentation used in the investigation of my case. 

I am requesting the name, address & phone number of your law firm and/or litigation department XXXX 

I am formally requesting the reversal/refund of the 2 previously mentioned transactions totaling {$960.00}. 

Denial of my claim will cause severe hardship. I will be unable to pay my XX/XX/2022 rent & may be evicted. 

It is my understanding that Paypal insures zero liability for unauthorized transactions. And, I hope that Paypal will honor this policy & approve my request in good faith.
Consumer complaint received 2015-10-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NE)

My husband, has his own XXXX and his business account is through Wells Fargo. XXXX of his tenants was behind several months on rent and allegedly stole XXXX her grandmothers Wells Fargo convenience checks to pay her past due amount of {$2500.00}. My husband deposited this amount into his Wells Fargo Business account when it was received. He paid the owners of the property for the amount of {$2500.00}. In XXXX this amount was deducted by Wells Fargo from his business account because the grandmother claimed fraud on this convenience check that was written to my husbands XXXX company by her granddaughter. I do not understand that after a check " clears '' that Wells Fargo is able to come back months later and deduct this amount. I am now a victim of this as this amount of {$2500.00} is being deducted from our personal account. The only way Wells Fargo would have had access to taking this money out of our account is by a matter of convenience that we also have our accounts there. Wells Fargo should be held accountable for clearing this check!
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I applied for an apartment in XXXX, Tennessee on XX/XX/XXXX and they wrote me and told me that I was not approved because of a addiction, I informed him I have never been evicted or had a eviction on my credit they informed me that I needed to reach out to the courts. I reached out to the courts and they informed me its public information which I looked up and there was no eviction. There was a filing in XXXX and it still appears to be an open case, I asked Court can this still be an open case? They stated that I would have submit appeal which I have submitted an appeal also they there has not been any place that I would have to reach out to XXXX and For further clarification regarding the decision, you may contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I have I have reached out to XXXX XXXX. I inquired about the eviction. They said theres nothing that they can see and theres a XXXX balance so I disputed it and submit it for a dispute. This has caused an effect on my personal life although Im homeowner, I would like to be able to rent without being affected because of inaccurate information attached I will show you the court documents where there has been a file but no eviction, because of this inaccurate information I would like this removed immediately.
Consumer complaint received 2020-11-02
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: Bread Financial Holdings, Inc. (TX)

To whom it may concern : I am XXXX XXXX XXXX and the reason I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.