davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I contacted Wells Fargo on XXXX XXXX in regards to a fraudulent charge from a merchant. I did not authorize this charge. The first time I called, the rep told me he was taking the notes in regards to the transaction, but the second time, I called, I was told he had not, I had to explain what happened again, I was told, you will receive a provisional credit until the case is resolved.I havent received any credit, and the bank still has it a pending status since XXXX. I contacted them this morning, and ask about the provisional credit. He attempted to do it, but could not because it was still in a pending status. The bank rep, told me the charge should no longer should been in a pending status, but dropped and put back into my account. He was unable to correct the problem.
Consumer complaint received 2015-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC (DE)

Your options do not provide the option in this instance. 

Greentree is improperly reporting my debt to the credit bureaus. I have disputed the date of last activity on the account and they continue to report it. In the attached letter they accuse me of trying to change their reporting to the bureaus. They go on to state that they " make every attempt to ensure the information reported to the bureaus is accurate and correct. 

But just looking at the trade line ( attached ) you can see that they reported the item in XXXX of 2014 but list the Date of Last Activity as XXXX of 2014. It is impossible for Greentree to list payment activity for the month FOLLOWING the report date. If anyone is trying to manipulate dates, it is Greentree. By continually advancing the date of last activity, they are pushing the obsolescence date forward to keep this debt on my credit report indefinitely. 

The Fair Credit Reporting Act. Section 611 ( a ) ( 5 ) ( A ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

I have correctly disputed this obvious error and the bureaus have left it on the file ... subsequently Greentree sent this letter stating that they make every effort to assure that their reporting is correct and therefore have the ability to predict future activity.
Consumer complaint received 2016-08-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Municipal Collections Services, Inc. (IL)

COLLECTION COMPANY MCSI INC XXXX XXXX XXXX XXXX XXXX, IL XXXX # XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX is reflecting a collection attempt for this violation. I disagree with the cities finding and demand that this collection company remove their attempt off my personal credit report
Consumer complaint received 2022-02-12
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: EQUIFAX, INC. (TX)

I have new information regarding CFPB complaint # - XXXX, XXXX, and XXXX. This company have responded to my complaint that they need more time to review and thoroughly research my submission. I do not approve the extension. Pursuant 15 USC 1681i ( a ) ( 1 ) ( a ), ( b ) and ( c ) consumer reporting agencies only have 30 days and that is all the time I am allowing. If this situation is not complete and results are not mailed to me by XX/XX/2022 I demand these things be removed from my consumer report.
Consumer complaint received 2016-03-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC (GA)

My sister in law used my husband as a " reference '' on a loan. Most likely XXXX. The collection agency had calld us threatening to sue and uses aggressive language if we do n't get her to pay this loan.
Consumer complaint received 2015-03-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P. (FL)

My bank account was hijacked, my bank for my protection closed my account and card and send me new one. So my bank check my account and dispute XXXX transactions who was payment of my credit card. I contact my credit to make my regular payment and they told me that my account was closed due to payment issue so I made a payment right away and was told that my account will be reopen in fees days later. But nothing happen I send prove of account compromise letter send by my bank and follow up with credit card company who told me that the letter was never received this letter was send XXXX times and I just received a letter to the credit card companies who told me that I was too late and my account was send to collection. They just try to used they power to get more money on me after be a customer form more than 5 years.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-10-19
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. (IN)

I initiated a dispute with Experian for a collection account with a collection agency by the name of XXXX XXXX on XX/XX/2020. The dispute results shown that the account was deleted from my credit report dated XX/XX/2020. After reviewing my credit report on XX/XX/2020 I noticed the account was re-inserted and was not given notice of re-insertion of the unverified, erroneous, inaccurate and/or incomplete information being added back to my credit report.
Consumer complaint received 2015-08-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Genesis Lending (CA)

I attended XXXX XXXX in XXXX, Ca and had private student loans through Genesis Lending Services ( that have now been taken over by XXXX ). I want to verify if my loans should have been a part of the settlement made in XXXX 2015.
Consumer complaint received 2015-04-23
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: RAB PERFORMANCE RECOVERIES, LLC (IN)

A garnishment/hold has been issued on my bank account because my son is on the account. The debtor did not submit an court order to appear in court. The debtor was given automatic permission to seize my bank account.
Consumer complaint received 2016-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pinnacle Credit Services, LLC (SC)

im disputing this account, on the basis that i dont remember having a verizon account in XXXX the company that is fighting over it is pinnacle credit services and the collection people are for XXXX, i have been arguing ovrer this bill since XXXX XXXX i also have XXXX dispute this but was told that i had to dispute the other company. i have asked numerous times for all the info on this account to no prevail, please help me dispute and have this erased off my credit report thanks. i have had a problem of someone else using my name too.
Consumer complaint received 2016-09-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (CA)

On XXXX XXXX, XXXX I discussed with my dentist future orthodontic work that would be needed, and expected that he would prepare an itemized plan for this work, so that I could consult with the dental insurance carried by both myself and my husband, develop a plan of treatment, and work at the insurance coverages, other expenses and a payment strategy before beginning or authorizing treatment. 
Today, XXXX XXXX, I received a bill from CareCredit/Synchrony Bank for {$420.00} due XXXX/XXXX/XXXX with a charge balance of {$10000.00}, that lists a transaction date of XXXX/XXXX/XXXX. This account was opened fraudulently, I never authorized it, and the charge is likewise fraudulent - it is for work that I have not even agreed to, much less have been performed. 
I see that CareCredit/Synchrony Bank was fined {$34.00} XXXX in XXXX for abusive/fraudulent lending practices with unethical doctors and dentists, and it appears that they are still in the medical scam game. 
We are making no payment on this account, as it may be construed as acknowledging its legitimacy, so I am concerned about Synchrony Bank entering false derogatory information in my credit file as a consequence. Thus quick resolution of this fraud is essential.
Consumer complaint received 2015-12-14
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NY)

XXXX has been taken out my account without my permission when I call my card I had heard the balance was {$1.00} I called the company so that they can follow dispute they have yes I put my money back on my card they keep hanging up the phone on me and refused to send me a dispute form the account have went on frozen and the issue has been resolved as of yet I want my money I work hard for my funds
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK (NC)

I have been paying Discover card monthly. I got a notice last Thursday XXXX the account has been charged off as a bad debt.Please call us so we can better understand your situation and try to work with you. You may be able to settlethis debt ofr less than the balance you owe. 
Reach us promptly at XXXX or chat with an agent online at Discover.com - we're available from Mon-Fri XXXX to XXXX, sincerely, Discover Customer Assistance and Recovery This is an attempt to collect a debt and any information obtained may be used for that purpose. 

The total {$33000.00} I have been paying them off the offer to sttle the debt was for {$3400.00} I was paying on that and had to move lost the part time gig and was nearly XXXX which they knew. I was trying to get a part time gig and go to school while still paying {$50.00} per month for {$4000.00} then I get this XXXX!!!!! They just decided to refigure the amount twice!!!!!! How nice wish I could do that. They are pissy because I REFUSE to let them deduct from my account. OH XXXX XXXX!!!!!!!! Last time they cause {$71.00} in insufficient fund charges.
Consumer complaint received 2015-10-19
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (SC)

RUSHCARD ALLEGEDLY HAS A GLICH AND WE HAVE BEEN WITHOUT OUR MONEY FOR A WEEK, MY DIRECT DEPOSIT FROM WORK WAS FRIDAY, TODAY IS MONDAY AND STILL CAN NOT ACCESS MY MONEY TO PAY MY BILLS, GET GAS, FOOD OR ANYTHING, I AM ACCRUING LATE FEES FROM HAVING LATE PAYMENTS AND HAD TO BORROW OVER XXXX TO COVER MY MORTGAGE BECAUSE IT WAS LATE, THIS IS MORE THAN A HARDSHIP, ITS EMOTIONAL, WE NEED OUR MONEY NOW, CUSTOMER SERVICE IS NO HELP IF YOU CAN GET THEM, THEY HANG UP AND HAVE NO ANSWERS, THEY DONR EMAIL YOU BACK AND YOU CAN BARELY GET THROUGH ON A LINE, NO ANSWER OR IT RINGS AND DISCONNECTS, ALL NUMBERS DONT WORK, WHATS GOING ON, MY ELECTRIC BOILL IS DUE IN TWO DAYS. SO FRUSTRATED, THIS IS REALLY AFFECTING ME. I NEED TO PAY MY BILLS, WHERE IS OUR MONEY, MY PAYDAY WAS 3 DAYS AGO.
Consumer complaint received 2015-10-28
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (AR)

On Friday XXXX XXXX, 2015 a direct deposit from my payroll was added to my XXXX account. I was told that on the XXXX there would be a system update which would not affect any deposits or withdrawals. That was soon to found as a non-truth. I have not been able to either speak with anyone at the company. I have not been able to make a withdrawal nor have I been able to pay any bills. I have called and emailed this company ; however, they are not responding to either point of contact. This has been going on for days now and my bills are due to be shut off, I am out of gas in my car and I am not able to feed my XXXX children. I only have XXXX income in my home which is mines. I do n't have any help from anyone, so I need my money ... They do n't seem to understand how important it is nor how real the struggle is of being a single parent ...
Consumer complaint received 2022-02-12
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. (IL)

Experian had emailed me for an entire month asking me this renew my credit monitoring membership. I did not respond or renew for 1 month. As a direct result Experian maliciously and intentionally put my Social Security Number on Dark Web then notified me that it was on there to get me to pay and extort me for my membership fees.
Consumer complaint received 2015-10-28
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (TX)

i have lost my card and have been trying for days to contact Rush card to cancel the card and have another one sent out. Everytime I call I get hung up on and no response. SOmeone may have found my card and is possibly using it. I can not afford to be late paying my rent and lose the XXXX balance still left on my card. This is crazy. I have sent emails and no one has contacted me back.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

Mortgage Payment was taken from the checking account account, but not applied to the Mortgage account. Further, credit rating agencies were informed that my account was delinquent, which resulted in credit being adversely affected. Thereafter business loans could not be obtained.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-02-20
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Trident Asset Management, L.L.C. (FL)

I have no idea which company represent never received a bill from previous company just find out when I pull up my credit that I have a debt of {$650.00} with a collection Agency without knowing the name of the previous company.
Consumer complaint received 2015-05-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (IA)

XXXX Acct. number Please attach additional pages to file. 
XXXX is another communication from the Bank stating that the XXXX wasnt presented until the XX/XX/XXXX. Also is another transaction list, which shows that I was charged overdraft fees while in the positive.
Consumer complaint received 2015-07-24
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo sent 4 loan modification packages. I signed the first one on XXXX XXXX, 2015. 
It stated there was a HUD partial claim. There were 3 other packages sent XXXX XXXX, XXXX XXXX, XXXX XXXX. No partial claim was available. I am a XXXX veteran. The equity in the home went down from XXXX to XXXX. The last payment of principal and interest was XXXX. The loan modification put interest and escrow on top which is XXXX. The home is structurally unsafe and was ransacked/vandalized. The home is not livable. I put a claim in to the insurance company because there was prior damage. And they stated it was below {$1000.00} deductible. XXXX XXXX the loan preservation specialist at Wells Fargo did not determine it was fair market value. I calculated the NPVand it went down to XXXX with 480 month term of XXXX. I keep getting the run around from Wells Fargo. This is a VA guaranteed home loan. I contacted the VA Virginia XXXX Loan center and they said fair market value. They said I would decline the loan modification and send 'Deed in lieu of foreclosure '' to Wells Fargo and Wells Fargo would send it to the VA loan center to sell the house.
Consumer complaint received 2021-01-26
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. (GA)

I have contacted XXXX regarding a bankruptcy on my credit report. 

1 ) Bankruptcy - I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. I provided written documentation to XXXX from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. XXXX has failed to provide how and with whom the information was verified. 

I provided I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. I provided written documentation to XXXX from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. XXXX has failed to provide how and with whom the information was verified. 

I provided written documentation to Equifax stating Equifax removed the bankruptcy from my credit report XX/XX/XXXX ; yet reinstated the incorrect item on my credit report 2 ) Charged-off account - I provided written documentation stating XXXX is reporting late payments to a charged-off account ( XX/XX/XXXX ). XXXX responded the reporting of late payments on a charged-off account as accurate. 

Charged-off account - I provided written documentation stating XXXX is reporting late payments to a charged-off account ( XX/XX/XXXX ). XXXX responded the reporting of late payments on a charged-off account as accurate.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

Hi CFPB and Citi Bank Compliant office, I have citibank credit card which is closed now. I could not able to cash my rewards amount total of {$54.00}. I want citi bank to send me my {$54.00} rewards deposited to my checking or send me a check to my address.
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX 2016, I 'd visited the Wells Fargo ( " WF '' ) branch located at XXXX XXXX XXXX , XXXX, TX XXXX to make a deposit. 

Upon my arrival, I was greeted by a banker sitting at his desk. I told him that I was making a deposit, and he directed me to the teller line. I approached the teller, a white male, and told him I needed to make a deposit of some cash and a check. He asked for my debit card, which I provided him. I then entered my security PIN on the WF Point of Sale terminal. 

I opened a check ( {$220.00} ) that I had received from the United States Postal Service in front of him. He took the check, and I asked if I could receive a color copy. He said he could n't do a color copy, and instead asked if I wanted a B & W copy, to which I had declined. 

He then proceeded to deposit the {$100.00} cash and asked if there was anything else I needed. I said no, and then the WF Point-of-Sale machine asked how I would like my receipt. I selected to have the receipt delivered electronically to my WF account inbox. 

I had then remembered I needed to exchange some coins I brought from home. I mentioned this to him, and he seemed glad to help. He and I counted the coins together ( he used a plastic counting device ). The change amounted to a little more than {$10.00}, and he handed me a {$10.00} bill in addition to returning me some coins. 

I thanked him, asking if there was anything else I needed to do. He responded in the negative, and I promptly left, going to the XXXX Bank next to the WF location. 

On Friday, XXXX XXXX 2016, I had viewed my account online, and saw that it was about {$300.00} short of what it should be. Some further research led me to find that neither the check I deposited, nor the cash I deposited, had been registered in my account. I called the same WF branch and spoke to the branch manager. The branch manager confirmed that there was no check that had been deposited in my account in the time period I gave her ( XXXX - XXXX XXXX ). She then asked me several times if I was sure I 'd gone to that exact WF, to which I replied in the affirmative. She told me that the chances that I did n't go to this WF branch were greater than the chances of XXXX of her employees just taking the cash. She advised me to find the check number from the USPS, and call back. 

Around XXXX, I 'd called the same WF branch, and asked to speak with the manager. I was transferred to the Assistant Manager, as the Manager had left for the day. Upon giving the Assistant Manager my check number, he affirmed that no such check had been deposited. He said I could stop payment on the check, but gave me no option for retrieving / finding my cash. He said it was unlikely that I was at that WF branch. I 'd requested to see the video tape to prove that I 'd been there, to which he refused, saying that I 'd need to file a Police Report to have access to the tape. I 'd asked him if there was any other way I could view the tape, to which he said, he 'd given me all my options, and hung up abruptly.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TOWNE MORTGAGE COMPANY (CO)

The XXXX group located at XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, MI is servicing my loan. Last month XXXX was servicing my loan. I paid XXXX my full mortgage payment and the funds were taken from my account. TowneMortgage group is now charging me for XXXX full mortgage bills and XXXX still has my money. I have been trying to get in touch with both groups for 3 days with no calls back or response. I have also been trying to remove the PMI off my loan and XXXX has never responded to my requests. Please help.