davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (CO)

I have been monitoring my credit report and all of the sudden there were 10 new collections for medical bills. I contacted the collection agency and stated that every other ( 2 ) were for the exact same amount. Then all of the sudden the next day every single one of the amounts had been adjusted by XXXX to XXXX dollars. I called them again to ( 1 ) mention that I didn't believe this was my debt. And requested all the records they might have.

( 2 ) The information they had for me was incorrect. I.E. my phone number, address. I did again request the records on file.

Now there are ( 13 ) different medical things on my credit report. All from this company. And again, they adjusted every single one by XXXX to XXXX dollars. In total {$14000.00} Ist contact made by me XX/XX/23 ( requested all records ) 2nd contact made by me XX/XX/23 ( requested all records ) 3rd contact by them XX/XX//23 ( Tried to collect money )
Consumer complaint received 2019-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, I noticed an unauthorized amount of & XXXX from my checking account. I do all of my banking by electronic payments and immediately went into my XXXX Ohio branch. XXXX, one of the advisors there closed the compromised account and opened a new one. ( Closed account is routing number XXXX account number is XXXX ). New opened account number is ( routing number XXXX, account number is XXXX ). Thru bank error, and they even admitted this, my electronic payments were made from both accounts causing the closed account to be overdrawn. Subsequently, a direct deposit paycheck from XXXX XXXX XXXX in the amount of XXXX was attached by the bank to cover overdraft. All of my electronic payments/merchants were paid twice in XXXX. Included in one of those electronic payments was my truck insurance to XXXX and it was rejected because the bank sent it to the old, closed account. This in turn got my insurance cancelled on XX/XX/XXXX. On XX/XX/XXXX while at a doctors appointment, some unknown person damaged the passenger mirror to my XXXX XXXX XXXX XXXX XXXX XXXX truck and the estimate was {$1000.00}. I filed a claim with my insurance agent and the information was passed along. On XX/XX/XXXX I received an email from XXXX saying I had no coverage from XX/XX/XXXX to XX/XX/XXXX. I explained the bank error and it fell on deaf ears. None of this was my fault and I feel I am being treated unfairly for a bank error.
Consumer complaint received 2020-06-23
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capitol One allowed a checking and savings account to be opened fraudulently even though I have locked my credit with all three credit unions and put on a fraud alert. No new accounts were to be opened without verifying with me per the fraud alert, but CapitalOne either saw the alert and ignored it or did not bother to check. 

Capital One does not provide a 24/7 hotline, or even an easy to find contact to report such fraudulent activities. There is a general number, but to actually speak with somebody you need to enter an account number, which I don't have, because I don't have an account. 

Capital One should have immediately flagged this account as suspicious : when a new account is created and then the contact phone number and email address are immediately changed that is a major red flag that any reasonable person would have picked up on, but Capitol One completely ignored this activity. 

XXXX : XX/XX/2023 XXXX, am woken up by a text message saying " Thanks for giving Capital One your mobile number ''. 

A few emails are received at the same time : 1 : Welcome, your new 360 Performance Savings account is open. 

2 : Congrats! Your new 360 checking account is open. 

3. Success! Re : your CapitalOne profile changes. One or more phone numbers on your CapitalOne profile have been updated. 

These were quickly followed up with : XXXX 1. We've updated your phone number 2. Your email address was updated With all of their automated systems, nothing about creating an account then immediately changing the phone number and email address raises a single flag?
Consumer complaint received 2022-12-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/2021 we purchased a home that was on an XXXX auction in XXXX XXXXXXXX XXXX, at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After receiving the title, Wells Fargo filed a XXXX XXXX against us and the previous owner who still owed on their property. We knew this could happen and were willing to pay the bank for the house, even though the debt was not ours. We thought that since they had abandoned it for over XXXX years, they would negotiate a good price. The outstanding balance at the time was {$260000.00} and we hired an attorney to help us settle the matter. We made multiple offers all well over XXXX and XXXX. All were turned down. I have reached out directly to Wells Fargo Leadership and no one responds or helps us come to a agreement. The judgement is now up to {$380000.00}, over XXXX in exorbitant fees have been added, not to mention the {$12000.00} our family has spent on legal fees to try and resolve this matter, to date. They insist on the foreclosure, although we have offered up to XXXX XXXX of the judgment, none of which is our debt and much of which is Wells Fargo fees. We have XXXX chidden that enjoy the schools here. We have been so stressed for almost XXXX years not knowing when we will be XXXX, by no fault of our own. We have invested tens of thousands to make this home that was abandoned to over XXXX  years, livable. We just want to keep our home and pay Wells Fargo for the others families debt and we have not been able to do so. Please provide any direction possible. Our family sincerely appreciates your time and help.
Consumer complaint received 2023-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

I have been a checking account customer of Wells Fargo since they merged with XXXX XXXX  in XXXX. 

Before the merger, if my account ever went into the negative, the account would stop payments until I brought it back into the positive. 

After the merger, the overdraft fees started happening. 

I struggled from XXXX to around XXXX. I had a system when I knew I wouldn't be able to afford everything for the month. I would make all my small purchases first and wait til the last minute to pay my rent... so I'd only get XXXX overdraft charge a month. The problem is, it rarely worked that way. Somehow the bank would save the multiple small purchases and incorrectly post the transactions AFTER the large transaction. The result was always multiple {$34.00} overdraft charges instead of XXXX. This happened practically every month. XXXX month I remember XXXX overdraft charges ( {$340.00} ). 

I complained to managers at the local branch Wells Fargo XXXX, but they would send me on a wild goose chase and I was never truly heard. I knew it was criminal, but no one was listening. I don't know the total amount STOLEN from me, but the mental toll was immeasurable.
Consumer complaint received 2020-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (IL)

The call arrived on my mobile phone as " spam. '' Since I did not recognize the number and am working during the time they called, I allowed the call to go to voicemail. The same number called 3 times in a row, at XXXX XXXX, XXXX XXXX  and XXXX XXXX. Each of the 3 times, the same exact voicemail was also left.
Consumer complaint received 2022-12-31
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 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 2021-03-26
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)

Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and cred.it inquiries on my credit report without my knowledge I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I am a victim of identity theft. I have attached the FTC report below along with my driver 's license and social.
Consumer complaint received 2020-06-23
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. (NJ)

THIS RESPONSE IS IN REPLY TO TRANSUNION REPLY TO COMPLAINT # XXXX. TRANSUNION REPLY READS AS FOLLOWS, We have reviewed your complaint along with the information you previously provided regarding this issue. According to our records, in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX investigations were initiated into XXXX of New Jersey # XXXX. In response to the investigations, the public record was verified and/or updated the accordingly. The results were forwarded to you for review. TransUnion has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United States Federal Bankruptcy Court, and is currently reported on your credit report as permitted by federal law. The Fair Credit Reporting Act allows : Bankruptcies to be reported for 10 years from the date of filing. However, it is TransUnions policy to report discharged or dismissed Chapter XXXX bankruptcies for seven years from the date the bankruptcy was filed. Voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. Therefore, as permitted under federal law, it will remain on your file until XX/XX/XXXX. 

HERE IS THE PROBLEM TRANSUNION REPORTING, NO COURT IS REPORTING THIS INFORMATION AND ON MY CREDIT REPORT IS DOES NOT STATE THE SOURCE OF THE REPORTING. TRANSUNION IS NOT DOING A INVESTIGATION WITH ANY ONE FROM THE COURTS. AND INVESTGATIONS MUST BE DONE WITH THE FURNISHER OF THE INFORMATION CLEARLY A MACHINE DID NOT ABTAIN PERMISSION TO ACCESS OR PUT ANYTHING ON MY CONSUMER FILE. THE FCRA MAKE IT VERY CLEAR ON THE CONSENT THAT IS NEED. UNLESS TRANSUNION HAS A JUDGE 'S COURT ORDER THEY ARE IN VIOLATION FOR PLACING UNAUTHORIZE ENTRIES ON MY CREDIT REPORT. 
I WILL SEE TRANSUNION IN A COURT OF LAW. I WILL COMMENCE LEGAL FILING FOR THE MULTIPLE FCRA VIOLATIONS. SEE YOU IN COURT.
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (AZ)

During the period of XX/XX/09 thru XX/XX/09 our home lender Citi Mortgage put our loan into a trial program in order to lower our monthly payments. 
After the 120 day period without as they said they never received any monthly payments towards our loan, or, also, never receiving any paperwork which was totally untrue as we had sent them a minimum of four times, still made our mortgage payments but as a small reduced amount, until we were approved in their plan, we were sent a foreclosure letter stating our home was in arrears and was on the steps of the Supreme court of Arizona the following week for the highest bidder. 
Through my wifes diligence getting through to the main offices in Missouri to the Citi bank lawyers, we were told if we sent {$17000.00} US dollars in a specific time the proceedings would be voided. 
This we did by quickly borrowing from family and saved us from thrown into the street.
Consumer complaint received 2019-03-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

On XX/XX/ 2019 I contacted Navient regarding private student loans and being placed in a 100 % discretionary repayment plan called an " interest rate reduction payment plan '' due to being recently unemployed. I had gone through this before with the company in which they lowered the interest rates from 12 % to 2 % for 12 months if i set-up auto pay. This time they would only offer to extend the terms of my payments ( currently paid for 7 years, have 15 years of payments remaining ( initially entered into a 15yr loan ). Then they came back after another 20 minutes on hold and offered me 7 % for 9 months and 3 more scheduled payments at 12 % in which they need bank account information/ debit card information. In the future they try to auto debit from bank accounts without permission. I refused and was denied any sort of repayment plan.
Consumer complaint received 2022-12-28
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. (PA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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  account # XXXX 15 U.S.C 1681 section 602 A states I have to right to privacy. 
15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY ()

I claimed Fraud on My Credit Card with Wells Fargo on purchases in XX/XX/2020. 

Wells Fargo Issued a new card but never arrived to my address. 

On that new card there was a XXXX  charge for XXXX and XX/XX/2020. 

I claimed Fraud on those XXXX  charges and told wells fargo to shut down my account in XX/XX/2020. 

I have been unable to close the card and have contacted wells fargo In 3-4 times and have been promised it would be closed and the fraud balance would be taken care of. I have spoke with Disputes, Fraud, Collections and Card Services and they have all told me that they would take card of it but it still hasnt happened. 



My Credit Card is XXXX and I need support with closing my Wells Fargo Credit Card for good.
Consumer complaint received 2021-09-14
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. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-07-03
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. (GA)

Equifax has failed to perform its due diligence and is falsely reporting a Fraudulent Collection account for {$500.00} on my credit profile, supposedly owed to a XXXX XXXX XXXX XXXX XXXX and it's affiliate company named XXXX as reflected on my credit report. I've never been aware of nor made any contract with such a company in the past or present and Equifax has intentionally and willfully compiled this erroneous information on my credit profile, thereby suppressing my scores and hindering my current process of home ownership which I've steadily worked on the past three to four years. 

I've reached out to Equifax in writing and my concern with their action has been negated and there erroneous information on my credit report continues to suppress and hinder my Credit Score which is a breach and totally unfair. Equifax must remove the negative information from my credit report with deliberate speed and update my credit report accordingly. 

Truly! 

XXXX XXXX
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021 I reached out to Wells Fargo Bank to inform them of 2 fraud charges on my account. After several months of investigation I received a letter on XXXX XXXX stating that these fraud charges were vailed because I paid my bill.
Consumer complaint received 2021-03-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EarnUp Inc. (KY)

Due to a " glitch '' in EarnUp 's system they did not make the payment on time to my mortgage company and caused me to have a late payment. I've never been late on a payment in the almost 6yrs that I've had my mortgage. I called and they " fixed '' the problem and said that they " hoped '' to have my payment made the same day. I also filed a complaint with the supervisor who told me that he couldn't connect me with a manager as he didn't know their number and that I would have to file a request for a manager to call me in 3-5 business days. It has been 9 business days and I still have not received a call. I called again and I was told that I would need to file another request and that they " should '' contact me in 72. I've called every day for the last 4 days to file a request. I was finally able today to speak to someone at their corporate headquarters who did give me the names of the managers, XXXX or XXXX but stated that it wasn't guaranteed that they would contact me. The contact policy regarding complaints seems to change every time I call in.
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

My name is XXXX XXXX. I have an account at Santander Bank. Recently I have fallen on hard times due to the Covid crisis. I work as a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Ma. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I make {$14.00} per hour. I try to work 60-80 hours a week to make ends meet. But recently many of our clients have passed away due to the virus so my hours have been cut severely. Unfortunately I still have the same bills. I knew I would over draw my account. However I thought that Santander would clear items that clear the same day in order of amount so that smaller items would clear first thus reducing the number of fees in a day. Instead they clear larger items first in order to maximize the number of over draft fees. For instance on XX/XX/XXXX they charged me 6 overdraft fees of {$35.00} each and then charged me an additional {$35.00} fee for a {$10.00} item that cleared on XX/XX/XXXX. In the period since XX/XX/2020 I have received ( 52 ) {$35.00} fees totaling {$1800.00} of which I have made ( 3 ) requests and received only a refund of 8 of those fees totaling {$280.00}. Therefore Santander has collected a total of {$1500.00} in overdraft fees in 3 months. I get direct deposit every 2 weeks into my account at Santander but the net amount of my paycheck averages {$1200.00} so each payday half of my check is used against my negative balance for fees therefore I can not catch up and more fees happen. All I have asked is for them to charge the fees fairly. Clear small dollar transactions first. If they did that I would have received only a third of the fees that they charged. Please assist I cant even pay for my health insurance that is due today and I am so scared. 
The name and address that my account number is under is : XXXX XXXX XXXX XXXX XXXX XXXX Ma. XXXX Acct number ends in XXXX