davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-06
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (MI)

I am an attorney representing a client who was contacted about a debt he does not owe. On his own he disputed the debt, and the collector, XXXX XXXX XXXX, sent out documents that appear to be forged or altered. My client made two other attempts to get verification. I filed a FDCPA complaint against XXXX, including fraud for the fabricated documents. In the course of my research I discovered the Consent Order, XXXX which detailed many of XXXX 's tactics. My case is : in the XXXX District of Michigan. One of my investigators made contact with your agency when I was seeking support for a documents/forgery expert. I have not yet called the FBI for an investigation but I was interested in finding out if someone from your agency would be able to provide me with an affidavit regarding some of the deceptive practices XXXX engages in. I also wanted to alert your agency as this may be a violation of the Consent Order. 
The information supplied is for me and/or my firm, except that I supplied the last XXXX digits to my client 's social security number.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (NJ)

I have had a mortgage through Wells Fargo for the last 10 years and I originally got my mortgage through them and did not refinance with another company because I know that Wells Fargo allows investors to access equity on investment properties through a HELOC. I have called several times throughout the life of the loan to make sure that the company 's policy has not changed and that this HELOC is still available to me. I was told that yes the HELOC is available and that I would not have a problem being approved since my personal income is so high and since I have postive cash flow. Due to the recent pandemic I had a need to access this money and so I submitted an application for the HELOC on XX/XX/XXXX. 

I was informed in XX/XX/XXXX that the company is no longer accepting HELOC applications and subsequently that my HELOC was not approved. They denied my HELOC with the premise that my debt to income ratio was too high. I questioned this since I own three properties and all of them have positive cash flow and and they told me that it was because they did not cont my rental income in their decision. I also informed them that I have gotten married since originally taking out the mortgage and that my wife actually makes more money than I do so my household income has more than doubled. In addition we live in one of my apartments we live rent free and have {$120.00} of positive income. I also informed them that the property that I have has less than {$5000.00} on the property that I will be taking the HELOC and that I would be using part of the HELOC to finish paying the mortgage. The rent minus expenses will be bringing in around {$900.00} and my HELOC would be around $ XXXX/month if I utilize all of the money available to me. 

I was then asked to provide a breakdown of my rental income vs expenses and I wrote the letter that I have provided for you in a separate file which outlines exactly what the cash flow is for these properties. After a lengthy review process where it doesn't seem like any of the information I was asked to provide was considered in my application they again denied my request today XX/XX/XXXX. They once again stated that my debt to income was not sufficient enough to warrant approving my HELOC. I tried to reason with the bank representative XXXX who kept giving me the same answer ( that my debt to income was not sufficient ) not really refuting what I was telling him or thoroughly explaining why my positive rental income was not enough to cover all of my expenses. I need this money and I was under the impression that it would be available to me when I requested it. I believe that the fact that I was denied after being assured that not only was a HELOC available to me but that my income was more than sufficient to cover the expenses is unethical and very poor business practice.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth Third arbitrarily reduced my credit limit without reason and without notifying me. This unfounded and malicious action not only reduced my available credit, it drastically increased my percentage of amount owed to amount available. 

This wrongful action has caused more than a 100-point drop in my credit scores and has result in the denial of credit. This is the case even though I have never missed a single payment on any of my credit accounts.
Consumer complaint received 2020-07-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (AZ)

Wanted to send {$1600.00} to XXXX, a business that sells gem rough. I negotiated for a week to buy a certain piece. I wired with WU using my debit card XX/XX/2020 XXXX XXXX Refunded XXXX Tracking # ( MTCN ) : XXXX XXXX XXXX It was cancelled after three days of not letting the recipient collect., money refunded XXXX resent the same wire XX/XX/2020 XXXX Tracking # ( MTCN ) : XXXX XXXX XXXX they still refused to give the money in XXXX. 
This is still on the record but refund not made as of today XX/XX/2020 I spent a half day trying to get an explanation and have saved chats. So they say the XXXX was cancelled, but my money is still with WU. I resent the wire again, XX/XX/2020 XXXX XXXX In progress XXXX Tracking # ( MTCN ) : XXXX XXXX XXXX Again, Money held XXXX XXXX XXXX. After waiting an hour for WU phone department to take my call, ( Telephone is limited to XXXX and the people are not trained to understand anything. ) They told me it was okayed, and then after ten more minutes told me it was cancelled for the third time, they said they suspected a scam. Meanwhile recipient does not want to do business with me again, WU in XXXX told him I had put a hold on the money. So as of last night my bank account was down to zero and WU had 2x {$1600.00} of mine including service fees. 
They also use an exchange rate 7.5 % lower than intl. exchange rate, and WU customers may think that the exchange rate shown is the official exchange rate, but it is way lower. It is a deceptive business practice. Also, it is not " money in minutes '', it days to wait for cancellation and refund.
Consumer complaint received 2021-10-05
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. (TN)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-04-30
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)

XXXXDispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute US DEPT OF ED/XXXXUnder Dispute Personal Information show tooltip button NamesAddressesDOBSSNPhone Numbers 51 personal information entries View All Accounts show tooltip button Credit CardsMortgagesLoans 12 accounts, 7 potentially negative View All Inquiries show tooltip button
Consumer complaint received 2020-07-16
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. (NY)

Hello my name is XXXX, I recently went to XXXX XXXX to see my credit score as the only thing i ever did was have car insurance. I come to find out someone somehow using my identity. There are accounts opened 100 % not authorized by me as I never had a credit card. My cousin recommended this site for the best course of action. On XX/XX/2020 I tried to call XXXX XXXX, XXXX XXXX, XXXX XXXX and explain to them this isn't me to try to find out what was going on and they said I have no proof. I have no idea who paid these bills how someone got these cards if maybe I'm being confused with a different person. Any help on this greatly appreciated. I had told them under the fair credit reporting act I had the right to know what was going on but they kept me giving me run around so I have these cards now filled with late fees and payments i do not owe and i did not authorize any of this. This is 1000000 % fraud. I am going to attach some files on here so you guys understand. Please help thank you.
Consumer complaint received 2021-12-21
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. (TX)

Despite numerous attempts, Transunion has violated my right by ignoring my request to receive debt validation and investigation findings regarding the following account. 
XXXX XXXX XXXX Balance {$6300.00} Account XXXX.
Consumer complaint received 2022-09-12
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2017
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (NV)

I have filed a Dispute in regards of inaccurate items on my credit report and it's been well over 30 days and I haven't received any investigating results.
Consumer complaint received 2020-04-30
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: FIFTH THIRD FINANCIAL CORPORATION (TN)

XXXX XXXX Account is a corporate business has been put on my personal credit report with XXXX, XXXX  and XXXX  without giving any notice.A/C # XXXX XXXX XXXX & XXXX # XXXX Fifth Third Bank Credit Card - I have my credit card stolen from my vehicle on XXXX XX/XX/XXXX. I did make a police report ( copy attached ) went to the Fifth Third Bank branch and made payment on this card through the bank officer and teller from my fifth third savings account ( account statement attached ) to pay my card on XX/XX/XXXX just to be double sure that all my accoutns are current. 
I Had some fraud charges on my Fifth Third Bank credit card account. 
I Informed this to the Fifth Third bill pay department over phone where all my credit cards, check book, with XXXX XXXX, Drivers License, wallet were stolen.This person was writing checks out of the stolen check book and withdrawing funds from my Business checking account. 
All Business accounts were frozen and Fifth Third Bank Bill Pay department put a freeze on all auto pay to my credit cards coming out of XXXX XXXX Checking account and forgot to Unfreeze it .They did agree that it was their fault and will be fixed ( the 30 days late payment, it will be removed from my credit report but nothing happened ) .I have audio Recording of Phone Conversation. 
Explained all this to the Branch officer via email ( see email copy ) .No action was taken resulting in my credit score being compromised and no other company was ready to lend me money and this stated a cascading effect. 

XXXX XXXX Credit card had been in deferred payments due to COVID-19 Virus epidemic and Tornado Disaster in XXXX XXXX County on XXXX XX/XX/XXXX. 
I spoke to them over phone on XXXX XX/XX/XXXX, XX/XX/XXXX and yesterday and they did mention that they will correct the credit reporting on all three credit bureaus on my credit report and remove the 30 days late to current. ( A {$200.00} payment had also been made from bank transfer as will will find enclosed in the attachments. 
S
Consumer complaint received 2020-06-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (VA)

My mortgage was transferred from the mortgage originator to a company called The Money Source Inc. ( TMS ). On XXXX XX/XX/2020, I received the required notice about sharing of personal information, along with a letter about Requests for Information. The cover letter itself and the document number on the top of the Personal Information notice are perfectly clear, crisp, print ; but the notice itself was faded, and the section listing the website to visit in order to limit sharing was unreadable. Because of the clarity at the top of the page, there is little chance that this is an isolated misprint.
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP (GA)

Over a year ago I paid a settlement amount to this company. They were supposed to send me notification that the account had been settled after making a large payment on this account. The payment was made but the company failed to make any changes to my credit report.
Consumer complaint received 2018-02-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I setup auto pay via Citizens Bank website in XX/XX/XXXX ( or thought I did ) but evidently it did not activate immediately. I set this up in good faith but the first payment was late - XX/XX/XXXX - and is reported 30 days late on all three credit reports. Since the late payment Citizens can see I have auto-paid every month since then for almost 2 years. They are being completely unreasonable to a good customer who setup auto pay in good faith. Additionally, they should accept blame for having inadequate technology and/or other processes that setup auto-pay in a more timely manner. I have paid in good faith as agreed - if their technology was more contemporary this would not be a problem. 

Totally unreasonable and unfair. Punishing a customer who setup auto-pay in good faith. 

Others be warned Citizens Auto Finance has terrible technology and will blame you for any delays or incompetence. Further they will do nothing to work with you to remedy the problem. 

After further review ( this warning was not readily visible to me when I setup autopay ) Citizens Bank even tells their customers their technology - or whoever they outsource it to - is potentially unreliable with a warning on their website when you setup autopay. See below. 

If you go to the Citizens Bank website ( https : //www.citizensbank.comXXXX ) to setup autopay and click on " Setup Recurring Payments/Login '' you receive the following GLARING WARNING alerting customers to the potential unreliability of the website you will setup autopay on. Again this warning was nowhere to be found when I setup autopay. The warning from the Citizens website is below. 

" Please note : You are about to leave the Citizens Bank website. Citizens Bank is not responsible for, nor do we control, endorse, or guarantee the content, products, and/or services of the subsequent pages. The linked site may have a different privacy policy or provide less security than our website. We recommend that you review these policies on the linked site. Thank you. '' Citizens Bank admits to the unreliability of their own technology and then unfairly and unduly punishes their own customers for their system failures and shortcomings.

Pathetic! Incompetent!
Consumer complaint received 2017-07-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MN)

I started my current job about a year ago. Around that time I submitted a form to transfer money from XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX to my new employer 's HSA at XXXX XXXX. XXXX XXXX pretended that they never got the form to transfer the money to my new HSA and instead kept deducting a monthly management fee. I called a few times and they always said that the transfer was " being processed ''. After months of the run-around, they claimed that the form did not have all the information necessary so on X/X/17 I submitted a new form. Again, after a month of waiting they did not transfer the money or call me to explain why they were keeping ( and slowly draining ) my account. When I called XXXX XXXX, they said they sent the form 3 times and had no idea why XXXX XXXX  was refusing to initiate the transfer. So, we called and supposedly straightened this out with XXXX XXXX  customer service. Everything was supposed to be all set. Today I called again because the money had still not been transferred. I was told now that the form submitted was " illegible '' and that they had tried to call me but " there was no option to leave a message ''. That is just a straight up lie. I have voicemail set up on my cell phone. Now they tell me they are going to charge me a {$25.00} fee to close my account or transfer the money. This is ridiculous. They are leeching the account maintenance fee off of the account and trying to make it impossible to transfer the money out so I get bored and just decide to let them keep it. The fees are ridiculous and the refusal to transfer the money is exactly the kind of abusive practice that the CFPB is designed to combat. Please investigate. I am sure that they are making a large profit off of this account maintenance fee scam they are running.
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (SC)

For about 50 years, I had a credit card with Macy 's. For the past 20 years, at least, I rarely used it. Occasionally, there would be a discount available on a purchase with the use of the card, and I would use it then. Since I used it so rarely, I usually had to update the account with the cashier at the time of purchase. Each time, I continued to have the same card, same number, and same name on it. In XX/XX/2016 I made a purchase, using my Macy 's card, was told I had to update it, and did. This update was a bit more complicated, and I was issued a new card with a new number and in a variation of my name - from XXXX ( husband 's name ) to my name. I received the bill for that purchase, which was due in mid XXXX and paid it on time. 
In XXXX I made another purchase at Macy 's in the amount of {$48.00} on my credit card and did n't receive a XXXX statement. I did n't realize that I did n't receive a statement because I was unused to looking for Macy 's bills. I will mention here that for at least 40 years I have used my other credit cards extensively each month and pay them on time and in full. Besides being old ( XXXX ) I 'm old fashioned that way! 
In late XXXX I received a phone call from Macy 's saying that my XXXX bill had n't been paid. I explained that I had n't received a bill and was told that I owed {$75.00}. I was surprised and believed that if I could speak with a superior, I could explain the error. After asking repeatedly for someone who could help me rather than someone who was trained to parrot over and over, " That 's our policy, '' I said that when I received a bill, I would pay it since I did n't know the exact amount of my purchase, but that I would n't pay a fee. 
In XXXX I received a Macy 's bill for {$75.00} - my purchase of {$48.00} plus a fee of {$29.00}. I immediately paid the {$48.00} of my purchase. Shortly afterward, before the next billing period, I received a robocall from Macy 's with instructions to call a certain number and give them a number to access an " important message about my account. '' I naively believed that the message would be that everything was settled so I followed the directions, was on hold for 15 minutes and then disconnected. I never spoke to a human being. Since then, I have received two more statements - XXXX and XXXX - and my bill is now up to {$100.00}. Macy 's robocalls me at least once, sometimes twice a day. I 've ignored the calls.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello, These unknown items are not related to me. I have never ever signed any papers with these companies, or did something towards these accounts. Simply I do not know these accounts because they are not mine. Its a pure fraud. I am begging you to check my profile and these accounts and probably remove them as I am in a terrible life situation and I will not handle something like this anymore.