davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

It was on XX/XX/21 XXXX around XXXX or XXXX. My kid called me from his friend phone saying he got email saying he is doing wire transfer to the girls account XXXX. If hes not authorizing this, call this number. 
He didnt do it, so he called from his friend phone because his phone got hacked suddenly, and he couldnt use his phone and no one couldnt call him. He called Wells Fargo customer service to stop the transaction. Also, I called myself WellsFargo customer service and told them to stop the transaction but they told my kid they cant know if its him even though he gave his account number and social security number. Customer service told me they dont have authority to do anything but make an appointment next day on XX/XX/21 XXXX which I went. 
It was still pending on XXXX, but next morning money was gone not pending, but posted on top of XXXX dollar transaction fee. So XXXX we filed the complaint, but got denied after 10 business day. Then we escalated the case, but it got denied again. Now they re escalated higher levels or whatever. We called the fraud department asking to work with police provided her phone number police case ID and everything, but they didnt do anything but denied our case. 
I dont know why customer service doesnt have any authority to stop fraud transaction to begin with. We got email saying we are doing wire transfer, so we called they saying its not us, but they say they dont have any authority to do anything, then what is the point of customer service??? 

Also, around 2 weeks ago from XXXX, so mid to end of XXXX, he got email saying the girl tried to withdraw XXXX from his debit card, but couldnt withdraw because she didnt have correct password. So he went to branch to cancel his debit card, and request the new debit card. People at branch didnt close his account and opened new account which he should have. Instead, they said its ok as long as you get new card???? 

Customer service of Wells Fargo is beyond horrible. I cant even describe how terrible they are. 

If we didnt get money back, well find the lawyer and file a lawsuit. This is the money for my son college money. We need to get it back.
Consumer complaint received 2019-08-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OK)

I mailed a cashier's check with principal payment only of $XXXX noted on the check with the account number at the end of XX/XX/XXXX.  Wells Fargo claimed to have received the payment on XX/XX/19.  They received my regular mortgage payment in their records on the XX/XX/XXXX; they applied only my mortgage payment and left my principal payment in a unapplied funds account which is causing my mortgage to accrue compounding interest on funds they received and never applied prior to the application of funds for my XX/XX/XXXX payment.  This is not the first time they have done it, and I am tired of contacting them for it not to be corrected in a timely manner and thus charging me more interest than is legal because they left the funds in an unapplied account.
Consumer complaint received 2024-02-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CADENCE BANK (MS)

I am filing this complaint against Cadence Bank regarding the mishandling of my VA Home Loan application, which has led to significant financial loss and undue stress.

Here are the details of my experience : Timeline of Events : XX/XX/2023 : I applied for a VA Home Loan with Cadence Bank. 
XXXX XX/XX/2023 : I closed on the VA Home Loan with Cadence Bank.

Throughout the Process : I repeatedly informed Cadence Bank about my pending VA XXXX status, emphasizing the importance of this information for the loan process. 
XXXX XX/XX/2023 : I completed and signed a VA Form XXXX ( XXXX XXXX XXXX ), as requested by Cadence Bank . However, this form was never submitted to the VA.

Issues Encountered : Failure to Submit Form XXXX : Despite my completion and submission of VA Form XXXX, Cadence Bank failed to forward this crucial document to the VA. As a result , I lost the opportunity to be refunded my {$7000.00} lending fee. 
Poor Communication and Service : The interaction with the VA underwriter from Cadence Bank was consistently frustrating and unhelpful. The VA underwriter repeatedly attempted to delay the closing process citing my pending XXXX status. This behavior, in hindsight, should have raised red flags regarding their competence and adherence to proper procedures. 
Lack of Compliance with Circulars : Cadence Bank neglected to adhere to Circular XXXX, which outlines the appropriate procedures for VA Home Loan applications. Had they followed these guidelines and submitted the necessary paperwork, I would not have been charged a lending fee in the first place.

Denied VA Funding Fee Reimbursement : Despite my efforts to rectify the situation, the request for reimbursement of the VA Funding fee was denied. This denial was a direct result of Cadence Bank 's failure to follow proper procedures, rendering the process retroactive and leaving me unable to correct the error and receive the refund from the VA.

Conclusion : Cadence Bank 's mishandling of my VA Home Loan application has caused significant financial hardship and emotional distress. Their failure to submit essential paperwork, communicate effectively, and comply with established circulars has resulted in the loss of a substantial amount of money that I am entitled to as a XXXX veteran. I urge the CFPB to investigate this matter thoroughly and ensure that appropriate actions are taken to rectify the situation and prevent similar incidents in the future.

Attached Documents : VA Form XXXX ( XXXX XXXX XXXX ) Circular XXXX Document showing the denial of VA Funding fee reimbursement
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (FL)

On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I know they received it on XX/XX/2020. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2019-08-22
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (FL)

I have been declined credit based on bankruptcy information being reported by Wells Fargo Dealers at XXXX. The bankruptcy was removed from credit reports on XX/XX/XXXX. I have been submitting disputes and request to Wells Fargo to remove information in the remarks section of the credit trade line ( REAFFIRMATION OF DEBT CH XXXX ) or remove account from credit report, since the account was closed over 6 years ago and and they refused. The information from Wells Fargo Delears shows as 'Reaffirmation ' of a vehicle loan that was paid in full/on time in XX/XX/XXXX under the original loan terms. Personnel at XXXX  and XXXX advise that the 'Reaffirmation of DEBT CH XXXX ' Comments/Remarks should have been removed by Wells Fargo Delears , and clearly indicates information that was purged on XX/XX/XXXX in XXXX. and personnel at XXXX, XXXX and XXXX advise that Wells Fargo Delears is responsible for removal of the inaccurate information and that the existence of the word 'Reaffirmation CHXXXX  ' is always indicative of a bankruptcy ; in this case, a bankruptcy that was removed from all Credit bureaus and tangential references since XX/XX/XXXX. This is the only line of credit that is reporting this information all credit lines regarding information of Bankruptcy has been purged or removed from credit reports. This remarks is hindering my ability to get better credit and creating a hardship for employment purposes.
Consumer complaint received 2018-02-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

When loans were presented by school was told after twelve consecutive on time payments co- signer ( s ) would be released. All promissory notes were electronic. Now that we have met the requirements they are refusing to release co-signer ( s ) & doing a run around on information. Original promissory notes are no longer available.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on the account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history on the account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-29
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. (NC)

Experian has re-inserted confirmed fraudulent account into my report. In addition to re-insertion, they failed to notify me as required in 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 5.b.ii ). Within 5 business days of re-insertion. 

Item was removed from report upon delivery of police report and dispute filed in first week in XX/XX/2022. Updated report ( XXXX XXXX ) shows account removed as disputed. 

Upon checking my report XXXX XXXX, the account reappears without notification nor comments stating the account is a result of fraud. 

I am in violation of my FCRA Rights as well as a victim of a flawed investigation system by Experian. I also use their Identity works software as I am victim of the XXXX and XXXX XXXX breaches. Their systems are severely flawed and lack credibility and positive results.They 've successfully lowered my score more during the clean up process than the actual fraudsters.
Consumer complaint received 2022-04-29
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. (FL)

In accordance with the Fair Credit Reporting Act the accounts listed below have 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 XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX and XXXX
Consumer complaint received 2021-05-04
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: SYNCHRONY FINANCIAL (OH)

I have called Sychrony/Walmart numerous times to pay off a past due debt. They advised that they can not accept payment because a 1099c has been issued in XX/XX/2016. They sent me the 1099c and I forwarded to all 3 credit reporting agencies and they confirm that Sychrony/Walmart confirms that the debt is valid and it has not been cancelled. I attached the 1099c along with my IRS tax statement that shows that the debt was cancelled. They are reporting that the balance due is XXXX but according to the 1099c the debt has been cancelled so no balance is due.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

I have two open accounts with XXXX XXXX and the utilization is at 6 % and XXXX for the last 4 months has been reporting my use on the two XXXX XXXX accounts at being 47 % utilization. 
These reports are in error.
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

The apartments was over 10 years ago that has been removed from my credit report. I tried to tell the representative that my sister also called to explain to Pro Collect about the nature of the un owed debt which has fallen off my credit report and she wouldn't speak to her. I recently pulled my credit report and XXXX XXXX isn't on there. I wan them to remove my number and stop calling me before I purse legal action against them.
Consumer complaint received 2021-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

Lvnv funding llc at XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX has been sending collection notices in the amount of XXXX dollars. The collection has been reported as past due. I do not owe this company. This company does not have a contract with my signature
Consumer complaint received 2021-09-20
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: PNC Bank N.A. (PA)

I changed my address I did not receive any statements in the mail. On top of that they trashed my credit score over a small amount of money. When I worked extremely hard to sustain my scores. Its not fair I got no statement in mail. I changed my address with the manager XXXX XXXX. In XXXX pa My mother pays my bill because she holds this card. Its not fair I got my credit trashed with out being warranted of the statement that I never received.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (FL)

I had a product through Equifax that they discontinued, they did not tell me that this was happening, I called when I tried to log in and was informed by website that I had no monitoring product. The first person I spoke with said that my payment had been denied, then gave me credit cards ran for payment that were not mine, the second person was less helpful, I spoke to a manager and she told me that the product that I had had been discontinued and offered me a product that was similar for the same price, this person also had the correct credit cards for billing.

So she signed me up but I was unable to log in, she opened a trouble ticket with their support team. Seven days later i called back and spoke with a very snippy person who told me that it had not been 10 days and to call back. I was completely frustrated. I asked for a manager and was told NO. Two days later my payment had been credited back to my acct and MY EQUIFAX SCORE HAD DROPPED 60 POINTS. My score for the other agencies dropped by 5 points for a couple of new credit inquiries. 
I WILL NEVER DO BUSINESS WITH EQUIFAX AGAIN.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I had my identity stolen. I have the letter from the attorney General that was sent out. This is a problem I've been dealing with for years. It is extremely difficult to find all the people they've used my information with. These are not my accounts and need to be removed from my credit. I've called and made disputes. I've been unsuccessful uploading my documents EXPERIAN. COMXXXX. This is effecting my livelihood. It is effecting my ability to run my business.
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I disputed with capital one they issued a temporary credit until the investigation was over and now closed the case and charge me the XXXX back too my account said they completed the investigation with all state was wrong I show proof that my insurance was canceled before I made the payment Im requesting my money back from the bank I showed proof dmv making me surrender my plates for XXXX XXXX XXXX non insurance I want my XXXX dollars put back too my account
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (CA)

TO CFPB- THIS IS LAW- THIS COMPANY HAVE TO ABIDE BY LAW AND YOU MUST SEE THAT THEY DO OR YOU WILL BE IN VIOLATION : Under the laws UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

If no such proof is provided within 15 days from receipt PER LAW, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Consumer complaint received 2021-05-24
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. (NY)

You received this statement stating that this account was included in identity theft on XX/XX/2021, and you still did not remove them after 4 days. That is a violation.As a consumer ( XXXX XXXX ) and the one with ALL THE POWER, THE REAL REAL POWER, this account on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission. Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  XXXX  and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Aslo i request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. Please see attached invoice and issue proper CONSIDERATION for damages I suffrered immediately upon receipt of this letter.
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/XXXX, SunTrust bank froze our account and refunded a check we wrote without notice and would not let us move money in any way out of the account without explanation. The check was legitimate and we tried calling the bank 3 times to verify but they still caused the check to be returned and NSF fees. We want our money out of our account.