davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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.
Consumer complaint received 2024-03-19
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

Company put a fraud alert on my account when I was the one who called and asked them to send me a new card to my new address once my previous card was expired. Once they put a fraud alert on my account I was locked out of my online access how I usually make payments. So then I went in person which is another way I can make payments and the store couldn't wouldn't take my payment in person due to their process. Their process needs me to have either my physical card or my access online and I dint have either. So then I was told to call the fraud department the next day when they were open to have them give me my access online. I called the fraud department, answered all their security questions and was told I was going to be given access to my account online so I could make my payment. Uo to this day, two months later I still have no access to my account online. I have there manager of target as a witness as he also tried to talk to them on the phone when I went there in person TWICE AFTER A CONTACTED THE FRAUD DEPARTMENT and they still wouldn't take my payment cash in hand. Now supposedly my account is with their collection department with all kinds of late fees and they are demanding twice the normal amount I pay to bring not current. Mind you before this mess they created for me I was current on all my payments and my account was in good standing.
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

i keep applying for citi card recently on XX/XX/21 they denied me bc they blacklisted me for no reason citi bank said based on prior citi accounts, i was never ever late on my old accounts always paid off my balance
Consumer complaint received 2022-04-28
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Fraud charges in my account from XXXX Hi, I am not sure how long this has been happening, but I just realized last month I had XXXX I think had charges from XXXX. I know I had some charges before applied from my account without my authorization and it was phone payments. 

I do only banking and had set up one payment. This time I changed the account and made the payment but still someone called and charged {$150.00} to my debit card and it was a fraud I know XXXX XXXX also has charged off one of my account and put my report and whole jobs due to that and I do believe some fraud happened under my name In XXXX XXXX. 

Someone has been taking money out and not sure how long this has been happening. 

I reported but never got help and someone is calling saying they are XXXX. 

XXXX Payment Reminder : Visit XXXX or call XXXX TTY XXXX to make pymt on your XXXX Credit Card. To opt out of texts reply STOP These are fraud. 

I told XXXX not to take payment over the phone due to this fraud. 

They have to fix my account and have to stop. 

Please take care.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (WI)

I tried to open a bank account at US Bank in XXXXXXXX WI. I worked with a XXXX XXXX and XXXX ( female ). They asked me for my SSN and mothers maiden name. They acted like they could not set up my profile. I gave them my email address too and my physical address. They told me they could not open an account. They did not provide me any paper documentation showing they were declining opening an account. They said it was because i did not have {$25.00} to put in the account and their manager XXXX said no to opening the account. I could hear rustling around in the office next to us and noticed that there was a big open space at the top of all the so called offices. As I was sitting there I noticed a husky man that resembled XXXX XXXX. He had a beard and white/grayish/blonde hair walking down XXXX XXXX That man i have seen him 3 different times before this. He drives a XXXX XXXX XXXX. I babysat for a family in XXXX who has my SSN and I think something fraudulent could be going on. The grandpa drove a white XXXX XXXX also. He was in the XXXX parking lot where i had a PO Box recently. I also saw him come through the ATM when I was asking a teller at the XXXX XXXX drive thru why they would not open an account. As I was leaving US Bank in XXXX a XXXX woman came from the side of the building and I think purposely walked behind my car as I was backing out and it looked like she was almost laughing and walked to her car where she followed me to another bank in XXXX and went to the ATM. I feel this woman and the employees ( XXXX female ), XXXX XXXX , and XXXX , all might be part of a fraud/identity theft ring. A local agency in XXXX told me that a man was trying to steal my identity at XXXX XXXX Bank. I also went to XXXX XXXXXXXX XXXX area in XXXX XXXX XXXX and they put me in a room with a XXXX woman, which was a violation of my HIPAA. I am wondering if it was the same woman. The woman at US Bank that followed me to XXXX XXXX XXXX ATM her license plates were XXXX. She was driving what looked a silver XXXX XXXX XXXX. There was also a XXXX that came in. They gave me an account number, but not a debit card. I am wondering if this XXXX woman was in another office at the same time and is committing identity theft under my name and potentially overdrafting the account or cashing a check that belongs to me.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NY)

Some time in XX/XX/2022, was scammed by someone who put a fake money order in my account. Almost XXXX weeks later the money order was marked as fraudulent and reversed from my account. The person who scammed me, blocked me on all communications and my bank didnt protect me. I figured the money order was real because it was a XXXX figure sum that cleared almost immediately although, the last time I had tried to deposit a XXXX figure sum, in my account, it was blocked and delayed by TD ( although that check was legit ). I closed my checking account as well as my savings/credit account ( paired together by TDs contract with me ) due to lack of protection, and months later I was charged for the scam. It has been ruining my credit since. On XXXX credit report its been removed and on another it still stands, Please Help!
Consumer complaint received 2022-04-07
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. (KY)

There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : 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 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

This is my second complaint filed with the CFPB regarding Mr Cooper. Same issue I filed about XXXX weeks ago. 

I have overpaid my Escrow funds by {$11000.00}. I have requested these funds to be returned. SINCE XX/XX/2022. 

I am convinced, after reviewing the number of consumer complaints against this Mr Cooper, ( which can be reviewed online - are incessant - and go on and on .... ), I don't know if the CFPB is equipped to deal with this monumental task... Mr Cooper does not seem to care about your consumer advocacy bureau. The CFPB. AT ALL. 

When I contact them, and point out that I have an open complaint against them, I am convinced their phone associates don't even know what or who the CFPB is!!! 

They don't take my calls seriously. They promise a manager will be calling me back. 

NO ONE CALLS BACK!! EVER!! 

THIS IS MY SECOND COMPLAINT WITH YOUR GOVERNMENT CONSUMER AGENCY. FOR THE SAME ISSUE. 

What are you doing with this mortgage company to hold them accountable? 

I am XXXX. I need these funds immediately. PLEASE HELP!!! I am a consumer. Who was promised consequences from your agency when a creditor is irresponsible. 

The last manager I spoke to was : XXXX XXXX. A Manager. 
She was supposed to call me back on XX/XX/2022. 
I call and call and call... They can not put me through to her?? 
Why not?? 

I need recourse. Immediately... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Estate XXXX XXXX XXXX ( deceased ) Mortgagee XXXX XXXX XXXX XXXX : 3 Checks issued. Payable to deceased husband. Non-negotiable. 

Promised resolution : To ACH or Wire funds to my account. 
Payable to : XXXX XXXX. 
Emailed my voided check 3 times to : XXXX AND XXXX XXXX
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I lost my wallet riding in an XXXX. I explained to Wells Fargo that my wallet was stolen where someone fraudulently ran up charges on my credit cards totaling XXXX and Wells Fargo debit card. I have these transactions outlined below all taking place on XX/XX/2021. I spoke with a young lady today by the name of XXXX who did not want to help me at all and was very disinterested in reviewing my concern. I need help. I am not rich. I am struggling and I support myself. Please hold Wells Fargo accountable. Her reason for denying my claim is that the criminal knew my pin. How could I know How they accessed my pin?!?!!! My PIN number was XXXX. The house number of my old address. Which was listed on my old ID which was also in my wallet that the Criminal stole. Please help me in retrieving my funds. XX/XX/XXXX was a Wednesday, my work calendar reflects I was in back to back meetings. This absurd. I need my money. 

{$100.00} {$2.00} {$100.00} {$110.00} {$100.00} {$200.00} {$1700.00}
Consumer complaint received 2021-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CA)

I requested a credit increase on my Chase credit card. I thought they were going to pull a soft inquiry. I was never told me that they were going to pull a hard inquiry. I want the hard inquiry removed or converted into a soft inquiry.
Consumer complaint received 2018-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (UT)

I received a letter, dated XX/XX/XXXX, received on XX/XX/XXXX, from Great Lakes ( XXXX XXXX XXXXXXXX XXXX XXXX ) who has been servicing my FFELP for a number of years. The letter was not marked as important on the outside of the envelope, or anything else that would indicate that it contains crucial information. Additionally, I have chosen to receive all of my account correspondence via email, so all important information should be received via email, and I have NOT received an email regarding this topic. 

The letter goes on to say that as of XX/XX/XXXX ( just 8 days after the letter was received ), my account is being transferred to XXXX XXXX XXXX and that my online account information on mygreatlakes.org will no longer be available. I have not received any communication from the new servicer regarding payment due dates, or any other communication to confirm the legitimacy and accuracy of this solitary letter. 

This strikes me as incredibly poor business practice, and a set up that could lead to missed payments, or payments sent to the old servicer ( especially in the era of automatic payments being set up ). 

It seems that for information of this importance, a minimum of 1 month should be required for communication ( especially, as my XXXX searches have taught me, that XXXX acquired Great Lakes in XX/XX/XXXX of this year, so clearly they have had more than 2 weeks of notice to inform me ). This is clearly poor customer service by both Great Lakes ( only 2 weeks notice from the date that the letter was sent ), and from XXXX ( no communication with me at all ). 

Either this is incompetence, or it is sleazy.
Consumer complaint received 2022-04-07
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. (KY)

There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : 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 2020-09-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AL)

House hit by Tornado in XX/XX/2020. Check from insurance received and forwarded to LoanCare based on mortgage rules. Some work had to be done to stabilize roof, etc immediately after event along with other work. Paid out of pocket. Sent invoices showing paid in full for reimbursement. Sent info on vendors w9 and lien waiver as requested on website. Still no reimbursement. All work stopped due to LoanCare not releasing funds. Vendor info on already received paperwork. Company states they will not do Direct deposits, send confirmation emails about recorded conversation, and supervisor will not return calls. Seems pretty shady to me. Have held funds 2 to 3 months now while I did paperwork for them Need money since house not fixed. High utilities due to damage. Hole in wall still. No laundry facilities and I am XXXX  during Covid. No kitchen so eating out or microwave food. Please get them to release funds
Consumer complaint received 2021-05-07
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 a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by XXXX law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2021-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (PA)

I received a letter today XX/XX/2021 from IC System where they claimed I owed {$45.00} to XXXX. I've checked my XXXX account and there's no {$45.00} DUE. I verified that by contacting XXXX and they verified that there was no such amount due. My XXXX monthly bill is paid automatically. I checked all those payments and none of them failed to process OK. 
The letter from IC System has the following address of XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. There web address is www.icsystem.comXXXX. When I tried that link, my browser timed out. So I wasn't able to connect. 
This letter has a payment return address of XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Note the difference in the XXXXox address for the company mailing address ( XXXX ) and the return payment address ( XXXX )! They may have made a mistake on the company mailing XXXX. XXXX number. 
All my research points to this letter being a SCAM. I've contacted XXXX to advise that they warn their customers of this SCAM.
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (OH)

I received a letter on XX/XX/2022 about a shortage in my escrow account. I paid shortage on XX/XX/2022 along with my house payment. I talked to a representative on XX/XX/XXXX to pay shortage separately. Ive called multiple times since because my house payment due is reflecting I didnt pay shortage. Ive called multiple times and talked to multiple people regarding this matter without any resolutions other than being told that our ( loan depot ) system needs time to update. Please help me get my house payment straightened out.
Consumer complaint received 2022-04-07
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. (KY)

There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : 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 2021-12-03
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)

My name is XXXX XXXX, I am of sound mind and age of majority. XXXX, XXXX furnished incorrect private information about me to credit reporting agencies. I am deeply saddened by the effect it has had on me as a consumer protected by federal law. Please see the attached proof of XXXX, XXXX requesting the aforementioned information to be deleted.
Consumer complaint received 2021-12-04
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)

EQUIFAX HAS BEEN NOTIFIED OF AN INACCURATE ACCOUNT THAT THEY ARE REPORTING ON MY CREDIT REPORT AND THEY HAVE YET TO RESPOND OR REMOVE THE ACCOUNT. BOTH XXXX AND XXXX HAVE REMOVED THE ACCOUNT. EQUIFAX WAS NOTIFIED ON XXXX XXXX. IT HAS BEEN LONGER THAN 30 DAYS AND THEY HAVE FAILED TO COMPLY. I HAVE ATTACHED DOCS TO SUPPORT MY CLAIM THAT BOTH XXXX AND XXXX REMOVED THE ACCOUNT. I WILL ALSO INCLUDE THE LETTER THAT WAS MAILED TO EQUIFAX ON XXXXTHE ACCOUNT THAT IS INACCURATE AND SHOULD BE REMOVED IS AD XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$1400.00}
Consumer complaint received 2021-03-31
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: EQUIFAX, INC. (LA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2017-12-22
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: Experian Information Solutions Inc. (AL)

Ive tried a total of 5 times, this being the 6th. I have an inaccurate account on my credit report with Experian. The account is from XXXX XXXX XXXX XXXX. 

The issue states that the vehicle is a paid charge off. How is it a charge off AFTER I paid in full? Experian is not doing their full investigation and has yet to show me how theyve verified this information. Experian has STILL yet to give me any exact dates that i ask regarding this account because they are unable to. If this isnt fixed, Ill be forced to file a complaint with the FTC and Attorney General.