davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, Wells Fargo charged my account a fee of {$3.00} for Online Deposit Details & Images service. 
To date, this {$3.00} fee has been charged to my account ( s ) in about 5-8 occasions. Each time I had to contact Wells Fargo to reverse the charges. Charges have been reversed for the incident on XX/XX/XXXX as well. 

- On XX/XX/XXXX, as previous, I have not used the Online Deposit Details & Images service - They claim that 'he or she will be prompted to accept a fee of {$3.00} '. I have not seen this, nor have I accepted to pay the fee anywhere else - This time they have completely removed all traces of the {$3.00} debited from my account This seems like another unauthorized charge/ fee by Wells Fargo Bank on its account holders. Request CFPB to investigate if this is another widespread illegal charge by Wells Fargo on its account holders.
Consumer complaint received 2022-04-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (TX)

A company called " THE BUREAUS INC '' is reporting on my credit claiming to hold an old debt by XXXX XXXXXXXX XXXX. I do not owe this debt, XXXX XXXX XXXX was paid, so I do not know who or why this still shows. I've tried disputing this with proof of payment to all XXXX credit reporting agencies and no one actually calls to verify the information and remove this information.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via email )
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The credit report they have on record for me has been reporting miss information. 
All the account have been charge off but they are being reported as opened. I have been disputing for the last six months ago. Trans union has refused to remove these defamatory information of my credit file. By refusal to remove inaccurate accounts, Trans Union is in violation of the fair debt collection practices act.My complete report is wrong they have been ask to delete all items.To add injury to insult they are sending this info to XXXX, Equal Fax due to inaccurate reporting by trans union. I have been victim multiple times of identity fraud. My lates police report # XXXX.
Consumer complaint received 2021-06-09
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: EQUIFAX, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Financial Freedom Mortgage, LLC (MD)

Applied for a refinance loan to cover mtg. and one personal. Their rep came to my house. Collected personal documents ( W-2s, Tax returns 2yrs., pay stubs ) I paid for an appraisal ( XXXX XXXX XXXX ) My loan processors were ( XXXX XXXX XXXX and XXXX XXXX XXXX. ) I was told that this would be completed in 10 days. This was the last week of XXXX. I was told not to make any Mtg. pmts. going forward. This cost me a {$92.00} penalty due to waiting on the lenders. I also spent almost {$600.00} for the appraisal. I was told the day their rep came to my house that he would return my personal documents via mail after he made copies of these. Have not received them as of yet. The appraisal came in short and they kept telling me to wait for them to try another method for the loan after 2 mo. XXXX XXXX offered me an ARM loan which I said no to. I haven ' received a copy of the appraisal report nor my personal documents. I have tried to contact both loan processors to no avail. The wont answer my calls or emails.
Consumer complaint received 2019-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash Curtis and Associates trying to collect on a debt not owed. 

It just showed up on my credit report late last month ( XX/XX/2019 XXXX ) ( XX/XX/2019 for XXXX and XXXX ) for the amount of {$850.00}. Which seem unusually high for a trip to the emergency room for the XXXX. It dinked my credit score 40+ points. 

The original creditor was XXXX. So I went to check all my bills from XXXX and my Health Insurance. Nothing remotely close to it. 

Never received any notification or any call. Aren't they by law suppose to send some kind of notification? 

I would also like a copy of the original bill
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NV)

WellsFargo checking account. I fraud committed and some an account and credit card due to they broke in my car and stole all my information social security card and a wells fargo card that had not been activated yet. I reported it to wells fargo several times but it seems we could never resolve the issue after. I filed a police report on the break in and what happen
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

This is the second complaint about this case. XXXX is the number of the first one. 

All the documentation pertinent you already have it under the first complaint. However, I am including two attachments that clarify what they stated about a charge for {$57.00} at XXXX XXXX XXXX that is not in XXXX, TX but in XXXX XXXX, TX as XXXX XXXX states on her letter. 

By Citibank saying that the card was in my possession at all time does not solve the charges. Not sure how can they not see that these are FRAUDULENT charges. They should continue investigating. They should ask for surveillance cameras to the gas station, statements from the bank restaurant so they can actually be proving that it was me who made the charges. They simply decline my request, because they can NOT PROVE THOSE CHARGES ARE MINE and their easy way out is getting their payment from me. I did not make those charges.
Consumer complaint received 2018-07-13
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: ID Analytics, Inc. (TN)

My FICO score is over 800 of XXXX yet my XXXX XXXX XXXX score is only XXXX of XXXX. Consquently, XXXX XXXX XXXX has imposed extra fees and restrictions on my account because of your slanderous scoring system.
Consumer complaint received 2023-04-07
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 — Problem with personal statement of dispute
Company: NRA Group, LLC (PA)

This company 's response is a complete lie, I have NOT been in contact with this company except to file a complaint via CFPB. I asked the company to provide a signed contract by me proving that they have a legal right to collect on this debt. More importantly to provide the original contract signed by me, authorizing the original company to sell the debt to a third-party collection company. My legal rights are being violated by this Collection Agency because there is no contract signed by me proving a business agreement and they have not provided me with the Original signed contract with my authorization. Reporting a debt without a legal agreement is in direct violation of my rights as a consumer.
Consumer complaint received 2022-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My escrow got messed up during a process of having to get a new insurance company because the current company went bankrupt, which is no fault of mine. I contacted nation star a.k.a. Mr Cooper about the issue because my mortgage payment more than doubled and they stated to me I could pay my current mortgage until I got the checks back from insurance companies deposited in the escrow, then it would balance out in the monthly payment would be fixed. I did exactly that calling them every month which was two months to pay the payment expressing to them I did not want to have a delinquent account or anything on my credit report and they assured me that I was fine, wrong now my credit dropped drastically because now I have a delinquent account on my report and now having a hard time refinancing because I follow their instructions. Then they told me I had to pay a large amount to defer the account going delinquent and I did and I still got flag for a delinquent account please help me get this off my credit report.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Since XX/XX/2020, XXXX XXXX has refused to report my account information correctly to Transunion, resulting in rolling lates that as you can see by the attachments have all been made. After 7 attempts through TransUnion 's dispute service AND filing a prior compliant with the CFPB, AND holding a 2 hour call with a Transunion representative, nothing has changed. I am at wits end and looking for legal assistance at this point. I want the account corrected - attached are all receipts showing payment. These include the actual checks, a receipt of payment from XX/XX/2020, and bank statements evidencing the check payments made each month. XXXX XXXX itself has decided that they don't want my account anymore after 7 years, and sent it back to the school. I am already in school. Therefore I should no longer have to pay.
Consumer complaint received 2020-12-12
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: Experian Information Solutions Inc. (NE)

I have sent information to the credit bureaus with all the information requested and still haven't received anything. I have been waiting weeks. I done this a total of three times asking for this information.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WV)

I noticed a collection on my credit report in the amount of {$440.00} for XXXX XXXX, collection agency is Jefferson capital system. I do not owe this debt nor have any clue why it is on there so I disputed it on XX/XX/year>. Dispute investigation came back complete on XX/XX/year> stating that the information is accurate and is still on my credit showing as a collection. I have tried to get information mailed to me showing me what this debt is for and proof that it is valid and can not get any further information and would like this taken care of and removed because it is not mine.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

I bank with Chime Bank online and have done so for about two years. On Friday, XX/XX/2021, early in the morning, I wrote an email to : XXXX to give them an update of my new phone number. Within fifteen minutes I received two emails stating that my account was now locked due to " suspicious activity ''. They went on to say that to get it unlocked I needed to submit my drivers license, front and back, copy of social security card, a selfie w/me holding my ID and a paper with my name and the current date. I submitted immediately and they later responded they could not read the selfie. I resubmitted the selfie and now, have done so at least four times but I think it is five times. My social security check goes to them via direct deposit and Friday was payday too. As of this time, they will not unlock my account, and no longer communicate with me. I have called and get shuffled to someone who states I will get a call back from a specialist but to date, I have not received one call. I have sent numerous emails aside from the ID ones stating that I need to pay bills and have no money. I am now past due on rent which will cost me an extra one hundred dollars, I am past due on my credit card so my credit is to affected poorly, I have absolutely no cash and nobody to borrow from. It is my belief they messed up from the start by locking my account when I simply asked to update my phone with a new number. There was no suspicious activity, and all the while they never asked me for my password or even my address of record. If the selfie was in fact not readable, the last one I sent in was taken by my landlord and was easily readable. I contacted them on XXXX last night and they responded saying they would get back to me but did not/have not. I am now desperate as I am flat broke. As far as I am concerned, Chime is irresponsible in their total disregard for my well-being. I am angry, I am sad and depressed, I am frustrated, I am resentful of their poor communication and they act like this is some kind of game but it is only me that loses here. To take control of my funds in such a manner is not the act of a valid fiduciary. I also had a small deposit of seventeen dollars rejected by them during this past week. I am at the point where I feel incapable of continued communication attempts without using foul language in expressing my sentiments. In a separate matter, a couple of weeks prior to all this, my phone was hacked via a " sim swap '' and I lost all my savings at a brokerage, that was my emergency money and because of that loss, having my account locked, has put me in a very bad situation. No bank should be allowed to jeopardize access to one 's money, and if it is in the name of security, it needs to be resolved at once. XXXX, Chime can go straight to XXXX! They need to open my account and should compensate me for having late rent fees due, and damaged credit as well!
Consumer complaint received 2019-08-27
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. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE HAVE THOSE UNAUTHORIZED INQUIRIES REMOVED =.
Consumer complaint received 2019-11-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

this bank at Wells Fargo here in XXXX Georgia went into my account not once but twice said that I made a reservation with the XXXX XXXX XXXX XXXX Georgia and I didn't money was taken out of my account and was not putting that I sent the information to Wells Fargo when I did travel to XXXX Georgia what hotel that I used and they still did not put money in my money back into my account Wells Fargo went into my account twice and took money out when XXXX was {$110.00} and the other fee was {$100.00} and they did not put my money back into my account and I sent them the credit card and the information from the hotel that I used in XXXX Georgia when I went there I did not make any type of reservation with XXXX XXXX XXXX   XXXX this Bank accused accused me and how can a bank accuse you of doing something like that and I told him I did not stay there I told them this was fraudulent but they still didn't I quit my money 's dad even though whoever use my my information got my information from that bank I have had many problems out of Wells Fargo
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (FL)

I have an existing dispute with Experian about XXXX late payments reported in my credit report. Experian for some reason has decided to investigate the issue with the furnisher, which I do not understand what investigation they are trying to do about the late payments that are not supposed to be reported on any consumer report according to 15 USC 1681 2 a 1 that clearly says and quote, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. We all know a late payment is a transaction. Today XXXX I sent the XXXX consumer agencies a letter stating the law and to remove those XXXX late payments. I also sent a letter to XXXX XXXX regarding the same issue.
Consumer complaint received 2023-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I sent a complaint to you and Rushmore answered by saying they would let me do another modification the new packet was submitted through.. XXXX  This week My representative spoke to a person at Rushmore now they are saying they will not review me for a modification. Nothing changed.. which income has also rep said its too many missed payments. My XXXX Rep. XXXX XXXX said to send this complaint back to you so you can look into it. I want to modify.. this all started from a Covid forbearance.
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2022. I noticed {$11000.00} in fraudulent ACH transactions on my capital one checking account. I contacted my bank, and started my claim. 10 business days later they granted me a temporary credit for the {$11000.00} that was missing. I was told that the credit could be deducted from my account if the claim was not found in my favor. 

On Friday XX/XX/2022, I received an email from my bank that stated : The provisional credit is yours to keep and your dispute 's now closed. 

On Tuesday the XXXX of XXXX I received a new email stating : Our research didn't find any errors, so we closed your dispute. We'll remove the provisional credit of {$11000.00} from your checking account on XX/XX/2022. 

On XX/XX/XXXX I called capital one and asked what was going on. They asked if I could forward them the email stating the credit was permanent and I did so. I was told I would get a response within XXXX business days. 

I do not get any reply. So I call them again on the XXXX of XXXX. They inform me on a recorded line that in fact they looked into it and I will not be charged the {$11000.00} and that my claim is closed and the credit is permanent and that should be the end of it. 

On the XXXX of XXXX. {$11000.00} was deducted from my capital one checking account. 

I call them again. And they tell me that there is nothing they can do. That a mistake was made and they gave no way of fixing it. 

I feel as though they unlawfully deducted this money based on the fact that the credit was no longer temporary after they stated it was mine to keep in writing.
Consumer complaint received 2022-01-13
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. (PA)

I tried reaching out to this bureau several times about accounts that are reporting on my credit but do not belong to me. this info is fraudulent and i need it removed ASAP! 
I want this investigated and removed.
Consumer complaint received 2019-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.